360 Checking $250 Bonus Offer

OPTION 1

Use your debit card

1.Open a new account with promo code DEBIT250.
2.Complete 20 qualifying transactions of $10 or more within 75 days of account opening.

We’ll add $250 to your new account within 60 days after you complete these steps.

View DEBIT250 offer details

Open now

OPTION 2

Make direct deposits

1.Open a new account with code CHECKING250.
2.Set up and receive at least 2 qualifying direct deposits, each of $500 or more, in your first 75 days.

We’ll add $250 to your new account after you complete these steps.

View CHECKING250 offer details

Open now

Footnotes

Learn more about FDIC insurance coverage.

Questions? Give us a buzz at 877-383-4802 to talk to a real person. We’re here 7 days a week, 8 a.m.-11 p.m. ET.

For more information, visit the full 360 Checking account disclosures.

¹Capital One reserves the right to end or change the terms of this offer at any time prior to you accepting the offer, with or without notice. Changing the terms of this offer could result in a change to any of the offer requirements such as, but not limited to, the required transaction amounts and spend, qualified transactions, the bonus amounts or expiration date. This offer is unique to you and cannot be transferred, sold, or assigned.

Please note that once your account is opened with a promotional code, the terms of the offer will not change without us notifying you in advance. Offers may vary by channel.

If you have or had an open 360 Checking, Simply Checking, or Total Control Checking account as a primary or secondary account holder with Capital One on or after January 1, 2024, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing before you receive the bonus, you will not receive the bonus. No minimum balance is required to be maintained in order to receive this bonus.

View DEBIT250 debit card transaction bonus offer terms below:

Here’s the full scoop on how to earn your $250 bonus:

Open a 360 Checking account on or after Dec. 10, 2025, at 12:00 a.m. ET using promotional code DEBIT250.
Use your 360 Checking debit card for at least 20 qualifying transactions of $10 or more within 75 days of account opening.
Capital One will deposit the bonus into your account after the requirements listed above are completed. See below for when the bonus will be posted.

What is a Qualifying Transaction?

A Qualifying Transaction is a transaction above $10 where your 360 Checking Debit Card is used.

Only in-person and online transactions with your debit card will qualify as purchases. Eligible transactions must be made within the first 75 days of account opening.

The following transaction types will not qualify:

ATM transactions
Peer-to-peer payments such as Zelle or Venmo
ACH payments (payments made with your account and routing number, not your debit card number)
Purchases associated with fraud
Pin-based cash withdrawals

When will I get my bonus?

You have 75 days after your account is open to complete the requirements above. After the first 75 days from account opening, your status to receive the bonus will be assessed and processed, which can take up to 60 days. This means, if all requirements are met, you can expect your bonus to be deposited into your account within 135 days from account opening. To receive your bonus, your account must also be open and in good standing at the time the bonus will be deposited.

Step 1

Open account using promo code DEBIT250

Step 2

Transaction requirement period (75 days)

Step 3

Bonus payout period (60 days)

This account is subject to approval. This offer cannot be changed or combined with any other 360 Checking account opening offers. Only one promotional code is accepted per account. Bonus is only valid for one new 360 Checking account. The amount of your bonus will be reported on IRS form 1099-INT to the IRS (and your state revenue authority, if required).

View CHECKING250 qualifying direct deposit bonus offer terms below:

Here’s the full scoop on how to earn your $250 bonus:

Open a 360 Checking account on or after Aug. 22, 2025, at 12:00 a.m. ET using promotional code CHECKING250.
Set up and receive at least 2 Qualifying Direct Deposits each of $500 or more to your 360 Checking account within 75 days of account opening.
Capital One will deposit the bonus into your account after the first two requirements listed above are completed. See below for when the bonus will be posted.

What is a Qualifying Direct Deposit?

A Qualifying Direct Deposit is a regular periodic payment, such as salary, pension, government payments (for example, Social Security), or other monthly income that occurs as an Automated Clearing House (ACH) or Real-Time Payment network credit from your employer or an outside entity not affiliated with Capital One prior to Jan. 1, 2025.

Wire transfers, ACH credits, and funds transfers initiated using Capital One's website or mobile app are not considered a Qualifying Direct Deposit.

When will I get my bonus?

You have 75 days to complete the requirements above. After the first 75 days from account opening, your status to receive the bonus will be assessed and processed, which can take up to 60 days. This means, if all requirements are met, you can expect your bonus to be deposited into your account within 135 days from account opening. To receive your bonus, your account must also be open and in good standing at the time the bonus will be deposited.

Step 1

Open account using promo code CHECKING250

Step 2

Direct deposit requirement period (75 days)

Step 3

Bonus payout period (60 days)

This account is subject to approval. This offer cannot be combined with any other 360 Checking account opening offers. Only one promotional code is accepted per account. Bonus is only valid for one new 360 Checking account. The amount of your bonus will be reported on IRS form 1099-INT to the IRS (and your state revenue authority, if required).

What you need to know about the 360 Checking account:

A rate of NaN Annual Percentage Yield (APY) applies to accounts with balances between $0-$9,999.99, $10,000.00-$24,999.99, $25,000.00-$49,999.99, $50,000-$99,999.99, and $100,000 or more. 360 Checking is a tiered-rate account. Advertised rates are variable and effective as of 8/18/2026. Rates in any tier are subject to change at any time before or after account opening.

Compounding and crediting - Interest on your account will be compounded and credited on a monthly basis. Your account will only receive an interest posting if the amount earned during the month rounds to at least $0.01.

The 360 Checking account has no monthly cycle service charge and no minimum balance required to open or maintain the account.

Your 360 Checking account must be funded within 60 days of account opening, otherwise it will automatically close.

The site may be unavailable during normal maintenance or due to unforeseen circumstances.

Smartphone access is needed to use mobile banking, the mobile app and add cash in store. Check with your service provider for details on specific fees and charges.

No-fee overdraft authorizes us to consider paying your checks, ACH and recurring debit transactions that put your account into overdraft. You also have the option to ask us to consider paying your everyday debit card and ATM transactions if they would cause you to overdraft your account. In making a payment decision, we typically consider a variety of factors, including the size of the transaction, whether your account is in good standing and/or if you have had too many overdrafts. If we elect to pay an overdraft item, you have no right to defer payment and you must deposit additional funds into your account promptly in an amount sufficient to cover the overdraft. To qualify for no-fee overdraft, you must regularly deposit at least $250 during two of the previous three calendar months. Accounts that haven't met this will no longer have access to overdraft until the next month when you've met this requirement. New accounts will not have access to no-fee overdraft until the consistent deposit requirement has been met.

Early paycheck is available for 360 Checking customers that set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension or government benefits). Certain non-payroll and tax payments are not eligible for early paycheck. Early direct deposits may be available to you up to 2 days earlier, however, we are dependent on the timing of your payer’s payment instructions and therefore you may not always see your direct deposits arrive early. Early paycheck eligibility may vary between pay periods and daily/transaction limits apply.
It may take two cycles for your direct deposits to take effect.

Fee-free ATM networks consist of Allpoint®, MoneyPass® and Capital One branded ATMs.
ATM count includes data from our third-party network providers and was last updated March 25, 2026.
To find a fee-free ATM near you, visit locations.capitalone.com.
Fee-free ATM access is limited to consumer and business checking accounts.

While Capital One does not charge additional fees for out of network ATM use, the out of network ATM owner may.

The Capital One Mobile app has a 4.8/5-star customer rating on the App Store and is in the top 10% in the Finance App category as of May 4, 2026.
The Capital One Mobile app has a 4.5/5-star customer rating on Google Play and is in the top 10% in the Finance App category as of May 4, 2026.

Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.

Use your debit card

Make direct deposits

4 more reasons to love 360 Checking