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For more information, visit the full Checking account disclosures:

• 360 Checking
• Simply Checking
• Total Control Checking

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. Offers may vary by channel.

Please note - Capital One checking account must be opened for at least 3 months to qualify for bonus offer. 

This bonus offer is meant only for the original recipient. Those who are not the original recipient will not receive a bonus. Please don't share it. This offer cannot be transferred. 

This offer is only eligible for the account referenced in the email which you received. You may be eligible for other offers that you received via email.

Your account must be in good standing to qualify for the bonus. If your account is closed, suspended, or otherwise not in good standing when the bonus is applied, you will not be eligible to receive it. No minimum balance required.

Here’s the full scoop on how to earn your $50 bonus:

1. Use your Checking debit card for at least 20 qualifying transactions by Aug. 31, 2026 at 11:59 p.m. ET. There is no spending minimum required.
2. 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 where your Checking Debit Card is used. 

Only in-person and online transactions with your debit card will qualify as purchases. Eligible transactions must be made by Aug. 31, 2026 at 11:59 p.m. ET.

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 until Aug. 31, 2026 at 11:59 p.m. ET to complete the requirements above. After Aug. 31, 2026 at 11:59 p.m. ET. 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 60 days from Aug. 31, 2026 at 11:59 p.m. ET. To receive your bonus, your account must also be open and in good standing at the time the bonus will be deposited.

Step 1 Transaction requirement period (by Aug. 31, 2026 at 11:59 p.m. ET)

Step 2  Bonus payout period (60 days)

This offer cannot be changed or combined with any other Checking account offers. Only one offer valid per account.

What you need to know about Capital One Checking accounts:

360 Checking is a tiered-rate 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. Advertised rates are variable and effective as of 9/24/2026. 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.

Total Control Checking and Simply Checking accounts are non-interest bearing accounts.

Capital One Checking accounts have no monthly cycle service charge and no minimum balance required to open or maintain the account.

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.

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

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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.

Products and services are offered by Capital One, N.A., Member FDIC. © 2026 Capital One.