checking
Capital One $250
360 Checking (CHECKING250)
Open 360 Checking with code CHECKING250 and receive two direct deposits of at least $500 each within 75 days to earn $250.
Effective value after fees
$250
The published monthly fee is $0, so the $250 is not reduced by a monthly service charge.
Exact requirements
- Open a 360 Checking account on or after August 22, 2024, using promo code CHECKING250.
- Receive at least two qualifying direct deposits of $500 or more each within 75 days. Capital One describes these as regular periodic payments such as salary, pension, or government payments by ACH or real-time payment from an employer or outside entity.
- Wire transfers, ACH credits initiated by you, and transfers you start in Capital One's website or app do not count.
- You are ineligible if you had an open 360 Checking, Simply Checking, or Total Control Checking account as a primary or secondary owner on or after January 1, 2024.
- This offer cannot be combined with any other 360 Checking opening offer. The account must be open and in good standing when the bonus is deposited.
- Bonus
- $250
- Direct deposit
- At least two qualifying direct deposits of $500 or more each, within 75 days of opening.
- Deposit
- No minimum balance to open or maintain, and no minimum balance is required to receive the bonus.
- Keep the account open
- Not stated as an early-closure rule. The account must be open and in good standing when the bonus posts, which can be as late as 135 days after opening.
- When the bonus posts
- Assessed after the first 75 days and processed in up to 60 more days, so within 135 days of opening if you qualify.
- Expiration
- Not stated. Capital One says it can end or change the offer before you accept it.
- Monthly fee
- $0 monthly cycle service charge.
- How to waive it
- No monthly fee to waive. No minimum balance to open or maintain.
- Early closure
- Not stated.
- Credit pull or ChexSystems
- not stated
- Where it is offered
- Availability not stated. The offer page does not list states. It describes 360 Checking as having no monthly fees or minimums.
- Last verified
- November 15, 2026
Fine print
The bonus is reported on Form 1099-INT. Only one promotional code per account. No overdraft fees on 360 Checking. Early paycheck, when available, can be up to 2 days. Verified November 15, 2026. An end date is not stated.
Source checked November 15, 2026: https://www.capitalone.com/bank/checking250/