Capital One $250 Checking Bonus


Offer at a glance

  • Maximum bonus amount: $400
  • Availability: Nationwide
  • Direct deposit required: Yes, two direct deposits of $250+
  • Additional requirements: Use promo code
  • Hard/soft pull: Soft (overdraft protection no longer being offered)
  • ChexSystems: Mixed. EWS sensitive according to the comments
  • Credit card funding: None
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None listed
  • Expiration date: June 21, 2022

The Offer

Direct link to offer

  • Capital One is offering a $250 bonus when you open a new 360 checking account and complete the following requirements:
    • Using promo code BONUS250
    • Set up and receive at least 2 direct deposits each of $250 or more within 75 days of account opening

The Fine Print

  • Capital One reserves the right to withdraw this offer, with or without notice, in its sole discretion if it is determined that fraud or any other factor beyond its control is impacting the integrity of the offer and campaign.


  • If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after January 1, 2019, 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.
  • Here’s the full scoop on how to earn your $250 bonus:
    • Open a 360 Checking account between 12:00 a.m. ET on April 18, 2022, and 11:59 p.m. ET on June 21, 2022. When you open your account, ensure you enter in promotional code BONUS250 in the Promo Code box.
    • Set up and receive at least 2 direct deposits each of $250 or more to your 360 Checking account within 75 days of account opening. 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.
    • 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. 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).
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

There is no early account termination fee

Our Verdict

There was a $400 bonus at the start of last year with similar requirements. It’s hard to know if it’s worth waiting for a bonus like that to return or if you should just do this bonus. Personally I’d recommend waiting for now as last time the $400 bonus came along they did a $250 bonus first. Because of that we won’t add this to our list of the best bank account bonuses.

Hat tip to Rolando G

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