0 offers · updated July 2026
Not everyone can route a payroll direct deposit — if you're self-employed, between jobs, or just don't want to move your paycheck, these 0 offers can be completed without one. Instead of a qualifying direct deposit, they typically ask for an ACH transfer, a debit-card spend, or a minimum balance. Each listing spells out exactly what's required. Featured banks include .
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Yes. The offers on this page accept alternatives such as an ACH transfer from another bank, a set number of debit transactions, or simply maintaining a minimum balance for a hold period.
Often not — many banks specifically require an ACH coded as payroll/government direct deposit. The offers here are ones that do NOT require that, so a normal transfer is enough.
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