What makes this bank offer different
This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.
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Capital One 360 Checking Bonus — Up to $400 + $25
Capital One 360 Checking has a $400 bonus with promo code FLASH400. To qualify, open a new 360 Checking account and receive 2 qualifying direct deposits of $500+ within 75 days.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| 2 direct deposits of $500+ | $400 |
Qualifying Period
75 days of account opening
Payout
Up to 60 days after completing requirements
Requirements
- ✓Open account with promo code FLASH400
- ✓Receive at least 2 qualifying direct deposits of $500 or more each
- ✓Complete deposits within 75 days of account opening
- ✓Open 360 Checking account with promo code FLASH400
- ✓Set up and receive at least 2 qualifying direct deposits
- ✓Each direct deposit must be $500 or more
- ✓Complete within 75 days of account opening
- ✓Receive at least 2 qualifying direct deposits of $500 or more within 75 days of account opening
- ✓Receive at least 2 qualifying direct deposits of $500+ within 75 days of account opening
- ✓Direct deposits must be from employer or outside entity not affiliated with Capital One
- ✓Receive at least 2 qualifying direct deposits of $500+ within 75 days
- ✓Qualifying direct deposits must be ACH credits from employer, pension, or government payments
- ✓Open new 360 Checking account with promo code FLASH400
- ✓Receive at least 2 qualifying direct deposits of $500+ each within 75 days of account opening
- ✓Open a new 360 Checking account with promo code FLASH400
- ✓Set up and receive at least 2 qualifying direct deposits each of $500 or more within 75 days of account opening
Restrictions
- ⚠New customers only
- ⚠Cannot have held 360 Checking, Simply Checking, or Total Control Checking account as primary or secondary account holder on or after January 1, 2024
- ⚠No prior 360 Checking, Simply Checking, or Total Control Checking account since Jan 1, 2024
- ⚠Account must be in good standing
- ⚠No prior Capital One checking account since January 1, 2024
- ⚠No prior 360 Checking, Simply Checking, or Total Control Checking account as primary/secondary holder since January 1, 2024
- ⚠Account must be in good standing at time of bonus deposit
- ⚠No prior Capital One 360 Checking account since Jan 1, 2024
- ⚠Account must be in good standing at time of bonus posting
- ⚠No minimum balance required
- ⚠No prior 360 Checking, Simply Checking, or Total Control Checking account since January 1, 2024
- ⚠Not eligible if you have or had an open 360 Checking, Simply Checking, or Total Control Checking account as a primary or secondary account holder with Capital One on or after January 1, 2024
- ⚠Account must be open and in good standing at time of bonus deposit
- ⚠Cannot have had 360 Checking, Simply Checking, or Total Control Checking account as primary or secondary holder on or after January 1, 2024
- ⚠Account must be in good standing at bonus payout time
- ⚠No prior 360 Checking, Simply Checking, or Total Control Checking account as primary or secondary holder since January 1, 2024
Fees
- $0 monthly fee
- No minimum balance required
- $0 monthly account fee
- $0 overdraft fees
- $0 minimum balance requirement
- No minimum balance requirement
- $0 minimum balance required
- Limited-time offer; can be removed at any time at Capital One's sole discretion
- Qualifying Direct Deposit is regular periodic payment (salary, pension, government payments) via ACH or Real-Time Payment network from employer or outside entity not affiliated with Capital One prior to January 1, 2025
- Account must be funded to be considered 'opened' (minimum balance of $0.01)
- Qualifying deposits are regular periodic payments such as salary, pension, government payments (Social Security), or other income via ACH or Real-Time Payment network
- Limited-time offer that can be removed at any time at Capital One's sole discretion
- Offer may vary by channel
- Offer can end at any time at Capital One's sole discretion
- Wire transfers, ACH credits, and funds transfers via Capital One's website/app do not count as qualifying direct deposits
- Account must be in good standing at time bonus is deposited
- Wire transfers, ACH credits, and funds transfers initiated via Capital One website or mobile app do not count as qualifying direct deposits
- Offer can end at any time at Capital One's discretion
- Qualifying direct deposits must be prior to January 1, 2025
- No minimum balance required to earn bonus
- Wire transfers, ACH credits from Capital One, and P2P transfers do not count as qualifying deposits
- Offer may vary by channel and is not available if you navigate away from the page
- Capital One reserves the right to end or change terms at any time
- Bonus is treated as income and subject to taxes
- Offer can be removed at any time at Capital One's sole discretion
- Bonus is treated as income and subject to tax reporting
- Capital One reserves the right to end or change terms of offer at any time prior to acceptance
- Wire transfers, ACH credits, and funds transfers initiated using Capital One's website or mobile app are not considered qualifying direct deposits
- Bonus is treated as income and subject to taxation
- Status to receive bonus assessed and processed within 60 days after 75-day qualifying period
- GET400 is targeted to existing Capital One customers; FLASH400 appears to be public offer
Total potential bonus
$425
Additional Referral Bonus (how it works)
$25
Your 50% share of $50 paid directly by the referrer
View Referral Terms →$400 (sign-up) + $25 (referral) = $425 total
Last updated July 28, 2026
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How to evaluate Capital One 360 Checking Bonus
Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Qualification checklist
Timing
- Qualifying period
- 75 days of account opening
- Payout timeline
- Up to 60 days after completing requirements
How to qualify
- Open account with promo code FLASH400
- Receive at least 2 qualifying direct deposits of $500 or more each
- Complete deposits within 75 days of account opening
- Open 360 Checking account with promo code FLASH400
Common pitfalls
- New customers only
- Cannot have held 360 Checking, Simply Checking, or Total Control Checking account as primary or secondary account holder on or after January 1, 2024
- No prior 360 Checking, Simply Checking, or Total Control Checking account since Jan 1, 2024
- Account must be in good standing
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,000 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $400 sign-up bonus, $25 referral share for a total displayed potential of $425. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Capital One 360 Checking Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is $25 based on 50% of the listed referral payout.
