Capital One 360 Checking $350 Bonus

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 $350 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 pretty high up there. 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 direct deposits in order to earn the $350 bonus.

Full requirements to receive this bonus are:

1. Open a 360 Checking account using the promo code BONUS350.
2. Within 75 days, complete 2 direct deposits of at least $250.
3. Bonus will be received within 60 days of completing the requirements.

Open a 360 Checking account before the bonus expires on October 18, 2023

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, 2021, 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.

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:

U.S. Bank

U.S. Bank Smartly® Checking

Bonus

up to $1000

Account Type

Personal Checking

Expires In

29 days

Requires

• Direct Deposit
• Min Balance (optional)

Full Details

Citi®

Citi Priority Relationship Tier

Bonus

up to $2000 w/activities

Account Type

Personal Checking

Expires In

99 days

Requires

• Min Balance

Full Details

Discover

Cashback Debit

Bonus

up to $360

Account Type

Personal Checking

Expires In

Limited Time

Requires

• Card Spend

Full Details

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:

• Expired January 11, 2022: Receive at least 2 direct deposits each of $200 or more to earn a $100 bonus
• Expired August 17, 2021: Receive at least 2 direct deposits each of $250 or more to earn a $150 bonus
• Expired January 26, 2021: Spend $300 using your debit card to earn a $100 bonus, or spend $500 to earn $250
• Expired January 26, 2021: Receive at least 2 direct deposits totaling $1,000 to earn $400

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 fee.

Apply now for a 360 Checking account to earn the $350 bonus offer

Capital One Locations

You may sometimes be required to visit a branch in-person to take advantage of a welcome offer. Or, you may just prefer the convenience of banking with institutions that have locations near you.

Get a better idea of how well Capital One can serve you by checking out their branches closest to your area: