Based on the list above, many banks offer a sign-up bonus with direct deposit. Banks ranging from large national banks to online banks and even local credit unions may provide a sign-up bonus with a minimum deposit requirement, but no direct deposit. Receive 300 for qualifying direct deposits of 5,000 or more. Although the idea of getting paid to open a new bank account is attractive, qualifying for a bank bonus isn’t always a sufficient reason—on its own—to switch banks.