Capital One's 360 Checking account is a free account from one of the top national banks. Capital One customers consistently say they're super satisfied, and the bank offers some of the industry's most innovative features.
What's more, Capital One is offering $250 if you open a 360 Checking account and set up direct deposits.
We've seen this offer as high as $400, but also as low as $100, so this sits squarely in the middle. Overall, it's a solid account and a relatively easy bonus.
How To Earn The Bonus
The Capital One 360 Checking promotion requires you to set up eligible direct deposits in order to earn the $250 bonus (step-by-step breakdown is listed above!).
As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.
The fine print
- If you have or had an open 360 Checking, Simply Checking, Total Control Checking or Money Teen Checking account as a primary or secondary account holder with Capital One on or after January 1, 2022, you will be ineligible for the bonus.
- If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.
- 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 institution.
- ACH credits or fund transfers initiated via the Capital One website or mobile app and wires are not considered a direct deposit.
Open a 360 Checking account before the bonus expires
How does this personal checking offer from Capital One compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
BMO
Smart Advantage Checking Account
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 45 days
- Requires
- Direct Deposit
TD Bank
Beyond Checking
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 131 days
- Requires
- Direct Deposit
Discover
Discover® Cashback Checking
- Bonus
- up to $360
- Account Type
- Personal Checking
- Expires In
- Limited Time
- Requires
- Card Spend
Recent Versions of This Offer
Banks often tweak the requirements and the reward amount of their welcome offers. Track how this welcome bonus from Capital One has changed over time:
| Promo Dates | Amount | Requirement Notes |
|---|---|---|
| Expired Jan 11, 2022 | $100 | Receive at least 2 direct deposits each of $200 or more |
| Expired Aug 17, 2021 | $150 | Receive at least 2 direct deposits each of $250 or more |
| Expired Jan 26, 2021 | up to $250 | Spend $300 using your debit card to earn a $100 bonus, or spend $500 to earn $250 |
| Expired Jan 26, 2021 | $400 | Receive at least 2 direct deposits totaling $1,000 |
Why Capital One?
Capital One Bank is the fifth-largest consumer bank and the eighth-largest financial institution in the U.S. The firm has become well known in recent years for credit cards and the popular slogan, "What's in your wallet?"
The bank has about 325 physical branches – most of which are in New York, Texas and Virginia – and 70,000 fee-free ATMs. Their products cover both personal and business, with their rates and fees surprisingly competitive for a national bank. In fact, their 360 Checking account has no monthly fee while also offering (a small amount of) interest on your balance – virtually unheard of.
Capital One's digital experience is also solid, with intuitive online and mobile apps that are well-reviewed (4.9 in the App Store with 5.6 million ratings and 4.6 from the 1.3 million Android users) and offer the same features as most of the online-focused banks: card lock, mobile check deposit, instant alerts, reward tracking and redemption, face ID, and Zelle transfers.
Overall, Capital One is a really solid bank, and if you can also add on a welcome bonus? Well, that's the cherry on top.
Learn more in our Capital One review
360 Checking
Fees
360 Checking does not charge a monthly maintenance fee.
Apply now for a 360 Checking account to earn the $250 bonus offer
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