Debt and Credit
Capital One 360 Checking Account Review (2026.3 Review: $400 Donation!)
Update 2026.3: New welcome offer is $400. The promo code is GET400. This is the best offer ever offered on this card!
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Benefits
- $400 signup bonus, see details below for requirements.
- No monthly fee, no minimum balance requirement.
- Free ATM withdrawals at Capital One-branded ATMs and within the AllPoint network.
Bonus requirements
- You are not eligible for the bonus if you currently have any of the following accounts on or before January 1, 2024 (this date will move forward over time.): 360 Checking, Just Checking, Total Control Checking or New Money Checking.
- Direct deposit (DD) requirement: complete at least two direct deposits, each of $500 or more, within 75 days of account opening.
Summary
The signup bonus for this account is often attractive, and the DD requirement is low, making it easy to complete.
Previously, Capital One only allowed you to get a checking bonus once in your lifetime. Now the terms are relaxed: as long as you have not had this account since the year XXXX, you are eligible again. Over time, this closing date has been pushed forward (from 2018->2021->2022-> and so on), and will likely continue to move in the future—meaning that this bonus may be released again later.
All in all, this is a very important bonus to go with.
Related Bank Accounts
- Capital One 360 Checking (this article)
- Capital One 360 Savings Performance
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