Maximizing your bank bonus without direct deposit in 2025 can be achieved through strategic account management. Start by researching banks that offer attractive sign-up bonuses for new customers. Consider meeting the minimum balance requirements or completing qualifying transactions, such as bill payments or transfers, to unlock the bonus. Additionally, explore promotional offers that allow for alternative funding methods, like mobile check deposits or ACH transfers. By understanding the terms and conditions, you can effectively boost your earnings while avoiding the need for direct deposit.