checking
Capital One $250
360 Checking (DEBIT250)
A no-direct-deposit path to $250: open 360 Checking with code DEBIT250 and make 20 debit purchases of $10 or more within 75 days.
Effective value after fees
$250
No monthly fee. You do spend at least $200 on debit purchases ($10 × 20). Those purchases are your own spending, not a fee paid to the bank, so they are not subtracted from the $250.
Exact requirements
- Open a 360 Checking account on or after December 10, 2025, using promo code DEBIT250.
- Use the 360 Checking debit card for at least 20 qualifying transactions of $10 or more within 75 days. In-person and online debit-card purchases count.
- ATM transactions, Zelle or Venmo, ACH payments, fraud-associated purchases, and PIN-based cash withdrawals do not count.
- Same prior-account rule as CHECKING250: ineligible if you had 360 Checking, Simply Checking, or Total Control Checking on or after January 1, 2024.
- Cannot be combined with any other 360 Checking opening offer.
- Bonus
- $250
- Direct deposit
- Direct deposit is not required for this version of the bonus.
- Deposit
- No minimum balance to open or maintain.
- Keep the account open
- Not stated as an early-closure rule. Keep the account open and in good standing until the bonus posts, as late as 135 days after opening.
- When the bonus posts
- Assessed after 75 days and processed in up to 60 more days. Expect it within 135 days of opening if you qualify.
- Expiration
- Not stated. Capital One can change the offer before you accept it.
- Monthly fee
- $0 monthly cycle service charge.
- How to waive it
- No monthly fee to waive.
- Early closure
- Not stated.
- Credit pull or ChexSystems
- not stated
- Where it is offered
- Availability not stated. The offer page does not list states.
- Last verified
- November 15, 2026
Fine print
Reported on Form 1099-INT. One bonus per new 360 Checking account. Verified November 15, 2026.
Source checked November 15, 2026: https://www.capitalone.com/bank/debit250/