Scottsdale - Scottsdale Fashion Square

Canoga Park - Westfield Topanga Irvine - Irvine Spectrum Los Angeles - Downtown Los Angeles Los Angeles - Hollywood Los Angeles - Santa Monica Los Angeles - Victoria Gardens Roseville - Westfield Galleria at Roseville San Diego - Westfield UTC San Francisco - Union Square Santa Clara - Westfield Valley Fair Walnut Creek - Walnut Creek

Boulder - Boulder Denver - Union Station LoDo

Washington - Anacostia Washington - Chinatown Washington - Georgetown

Coral Gables - Miracle Mile Delray Beach - Delray Beach Fort Lauderdale - Fort Lauderdale Miami - Brickell Miami Beach - Miami Beach Orlando - The Florida Mall Tampa - Hyde Park Village

Chicago - Hyde Park Chicago - Southport Chicago - State Street

Boston - Back Bay Boston - Ink Block Boston - Seaport Cambridge - Harvard Square Somerville - Assembly Row

Kansas City - Country Club Plaza St Louis - West County Center

New York City - 59th & Lexington New York City - Columbus Circle New York City - Fordham Road New York City - Herald Square New York City - SoHo New York City - Union Square Rochester - Eastview Mall

Durham - The Streets at Southpoint

Cincinnati - Kenwood Towne Center Columbus - Easton Town Center

Portland - Pioneer Courthouse Square

King of Prussia - King of Prussia Café Philadelphia - Rittenhouse Pittsburgh - Ross Park Mall

Austin - Domain NORTHSIDE Austin - Downtown Austin Dallas - Uptown Dallas Dallas - Wynnewood Village Frisco - Stonebriar Centre Houston - Gulfgate Center Houston - Houston Galleria San Antonio - La Cantera The Woodlands - The Woodlands Mall

Richmond - Carytown Richmond - Short Pump

Bellevue - Bellevue Seattle - South Lake Union Tukwila - Westfield Southcenter

Part bank. Part café. The perfect twist.

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.

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 deposit amounts, qualified external deposit sources, the bonus amounts or expiration date. 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.

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

Open a 360 Checking account on or after Aug. 22, 2024, 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 8/12/2026. 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.

Capital One Cafés do not provide the same services as bank branches, but have self-service banking options, including ATMs, and Ambassadors who can help you. Visit capitalone.com/local for individual Café services and hours. Food and beverages provided by a third party.

The 50% handcrafted beverage discount is applicable with the use of any Capital One credit, debit or co-branded card that displays the Visa or MasterCard logo or any Discover® credit or debit card that displays the Discover logo.

Offer valid every Thursday from June 4, 2026, to Sept. 3, 2026, from 3:00 p.m. local time to Café close. Offer does not include tax, and cannot be combined with 50% off promotion when you pay with your Capital One debit or credit card. Can be combined with the Reusable Mug Program discount. One offer per transaction. Any beverage that is less than $3.60 is not included. Food and beverages provided by a third party.

NO PURCHASE NECESSARY. Void where prohibited. While supplies last.

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.

All Capital One ATMs, including Café ATMs, have a $3 fee for any non-Capital One customer

The rate of our 360 Performance Savings account is a top rate based on Curinos Inc. national percentile data for savings accounts on balances of $1.

Grow your money: Experience may vary. Visit the 360 Performance Savings account disclosures for more details.

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

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

Capital One Café

Part bank. Part café. The perfect twist

All Cafés are open 7 days a week for your banking needs.

CONVENIENT BANKING

Open every day

Fee-free ATMs

In-person help

PART SIP, PART SAVE

$3.60 Thursdays

Everyday banking with a twist of summer fun

Talk money over matcha

CAFÉS ACROSS THE COUNTRY