Could you use a new checking account at one of the big banks? Reader Susie provides some incentives for two accounts with no minimum balance or direct deposit requirements:
$100 Bonus from Bank of America for opening a MyAccess Checking account. The fine print suggests that you need a BofA credit card to qualify.
You will receive your $100 credit to your new account within 50 days of opening your new personal checking account online. [...] This is a special offer to Bank of America credit card customers and only valid only for new MyAccess Checking? accounts. You must use the Offer Code CH100CTA and fund your account with the $25 minimum opening deposit requirement within 30 days in order to qualify for this offer.
$50 Bonus from Wachovia Bank for opening up a Free Checking account.
To be eligible for the offer, you must open a new Free Checking account online in good faith between 6/30/2007 and 10/31/2007 by clicking the ?Get Offer? button on this promotional landing page. By doing so, you are eligible to receive a $25 bonus for depositing at least $100 in new funds into the account as well as an additional $25 bonus for posting $100 in direct deposits into the same account, within 90 days of the account opening date.