How to earn your $400
1. Open 360 Checking
Make the first move toward earning your bonus by opening a new 360 Checking account using promo code FLASH400.
2. Get direct deposits
Set up and receive at least 2 qualifying deposits, each of $500 or more, within 75 days of account opening.
3. Bonus time
Your $400 bonus will be deposited into your new account within 60 days after you complete these steps. Review footnotes for full offer details.
Earn interest with your checking account
360 Checking is a tiered account with a rate of 0.10% Annual Percentage Yield (APY) that is applied to all account balances. Advertised rates are variable and effective as of 5/5/2026.
4 more reasons to love
360 Checking
Enjoy no fees or minimums
Hold on to more of your money with no monthly fees or minimums.
Get paid sooner
Access your money up to 2 days sooner than payday with early paycheck.
No overdraft fees
You shouldn’t have to pay overdraft fees, and with 360 Checking, you don’t.
Open in 5 minutes
It only takes about 5 minutes to open an account—it’s that fast.