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.
Bank
Capital One 360 Checking Bonus — Up to $400 + $25
Apply to Capital One 360 Checking Bonus and earn up to $425 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| 2 direct deposits of $500+ | $400 |
Qualifying Period
75 days
Payout
Within 60 days of completing requirements
Requirements
- ✓Open 360 Checking account with promo code FLASH400
- ✓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
- ✓Open 360 Checking account with promo code FLASH400 or GET400
- ✓Set up and receive at least 2 qualifying direct deposits of $500+ each within 75 days of account opening
- ✓Qualifying Direct Deposit is regular periodic payment from employer or outside entity (ACH or real-time payment), not wire transfers, ACH credits, or internal transfers
- ✓Open a new 360 Checking account with code FLASH400
- ✓Set up and receive at least 2 Qualifying Direct Deposits, each of $500 or more within 75 days of account opening
- ✓Qualifying Direct Deposits are regular periodic payments (salary, pension, government payments) via ACH or Real-Time Payment network from employer or outside entity not affiliated with Capital One prior to Jan. 1, 2025
- ✓Open a 360 Checking account with promo code OFFER300
- ✓Set up and receive 2 qualifying direct deposits of $500+ each within 75 days of account opening
- ✓Open new 360 Checking account with promotional code OFFER300
- ✓Set up and receive at least 2 qualifying direct deposits of $500 or more each within 75 days of account opening
- ✓Qualifying direct deposit is regular periodic payment (salary, pension, government benefits) via ACH or Real-Time Payment network
Restrictions
- ⚠New customers only
- ⚠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
- ⚠Account must be in good standing at time of bonus deposit
- ⚠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
- ⚠Account must be in good standing
- ⚠Limited time offer — can end at any time at Capital One's discretion
- ⚠Must use promo code OFFER300
- ⚠Must have opened account on or after November 13, 2024
- ⚠New 360 Checking account only
- ⚠Promo code OFFER300 required
- ⚠Not eligible if you have or had an open 360 Checking account on or after January 1, 2024 (lookback period as of Feb 2026)
Fees
- $0 monthly account fee
- No minimum balance required
- No minimum balance requirement
- $0 minimum balance required
- $0 minimum balance requirement
- $0 overdraft fees
- 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
- Wire transfers, ACH credits, and funds transfers via Capital One's website/app do not count as qualifying direct deposits
- Bonus is treated as income and subject to tax reporting
- Offer can end at any time at Capital One's sole discretion
- 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
- Limited-time offer; can be removed at any time at Capital One's sole discretion
- GET400 is targeted to existing Capital One customers; FLASH400 appears to be public offer
- Offer terms cannot change after account opening with promo code, but Capital One can change terms before acceptance
- Wire transfers, ACH credits, and funds transfers initiated through Capital One's website or mobile app do not count as Qualifying Direct Deposits
- Terms may change only after notifying the account holder once account is opened with promotional code
- No minimum balance required to receive bonus
- Direct deposits must be from external sources (not ACH transfers between Capital One accounts)
- Bonus available via referral link as well; referrer receives $50
- Bonus treated as income and subject to tax reporting (IRS form 1099-INT)
- Only one promotional code accepted per account
- Only one bonus per account opening
- ACH transfers, Zelle transfers, and wire transfers do not count as qualifying direct deposits
- Cannot be combined with other 360 Checking account opening offers
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
ExpiredOffer expired May 26, 2026
Last updated May 31, 2026
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
- Payout timeline
- Within 60 days of completing requirements
How to qualify
- Open 360 Checking account with promo code FLASH400
- 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
Common pitfalls
- New customers only
- 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
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,250 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
When does Capital One 360 Checking Bonus expire?
Capital One 360 Checking Bonus expires on May 26, 2026.
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.
How long do I have to qualify for Capital One 360 Checking Bonus?
The qualifying period listed for Capital One 360 Checking Bonus is 75 days.
When does Capital One 360 Checking Bonus pay out?
The payout timeline listed for Capital One 360 Checking Bonus is Within 60 days of completing requirements.
