Capital One 360 Checking Account Review (2026.3 Update: $400 Offer!)
2026.3 Update: The new welcome offer is $400. The promo code is GET400. This is the best ever offer on this card!
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Benefits
- $400 sign-up 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 or previously had any of the following accounts on or after January 1, 2024 (this date will move forward over time.): 360 Checking, Simply Checking, Total Control Checking or Money Teen Checking.
- Direct Deposit (DD) requirement: complete at least two direct deposits, each of $500 or more, within 75 days of account opening.
Summary
The sign-up bonus on this account is often quite attractive, and the DD requirement is relatively low, making it easy to complete.
Previously, Capital One only allowed you to earn the checking bonus once per lifetime. Now the terms have been relaxed: as long as you haven’t had this account since year XXXX, you are eligible again. Over time, this cutoff date has been pushed forward (from 2018->2021->2022-> and so on), and it will likely continue to move in the future—meaning this bonus can potentially be churned again later.
Overall, this is a very worthwhile bonus to go for.
Related Bank Accounts
- Capital One 360 Checking (this article)
- Capital One 360 Performance Savings
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