Can you get the Bank of America Business Advantage Banking bonus without a direct deposit?
Yes. The Bank of America Business Advantage Banking bonus pays Up to $750 and does not require a payroll direct deposit. What it requires instead is: Hold $5k ($400) or $15k ($750) ~60 days..
Bank of America Business Advantage Banking is a business offer.
The numbers, in full
| Payout | Up to $750 |
|---|---|
| What it takes | Hold $5k ($400) or $15k ($750) ~60 days. |
| Direct deposit needed | No |
| Money tied up | $15,000 |
| Time committed | 60 days |
| Effective APY | 30.4% |
| Per hour of your time | $1,429/hr |
| When it pays | ~60 days |
| Offer ends | No published end date |
| Last checked | Jul 5, 2026 |
What the return actually looks like
$15,000 committed for about 60 days pays $750, which annualizes to 30.4%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 60.8% | |
| 45 days | 40.6% | |
| 60 days | 30.4% | The offer's own stated window |
| 90 days | 20.3% | |
| 120 days | 15.2% | |
| 180 days | 10.1% | |
| 270 days | 6.8% | |
| 365 days | 5.0% |
Open it
We have no referral for this one, so this goes straight to the public offer.
Related questions
No direct deposit
Same question, different offer.
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- Can you get the Bask Bank Mileage Savings bonus without a direct deposit?20,000 AA miles (~$280)
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- Can you get the Grasshopper Business Checking bonus without a direct deposit?$300
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