How do I earn this bonus?
- Open with promotional code CHECKING250.
- Receive two qualifying direct deposits of at least $500 each within 75 days of opening.
- Keep the account open and in good standing; allow up to 135 days from opening for payment.
What counts—and what doesn’t.
Qualifying activity
- Regular periodic salary, pension, government payments, or other qualifying income through ACH or the Real-Time Payment network, as defined by Capital One.
Excluded or unsafe to assume
- Wire transfers and transfers/ACH credits initiated through Capital One’s website or app. Do not assume an ordinary self-transfer counts.
One $1,000 deposit does not satisfy the requirement for two deposits of at least $500.
Who is eligible for this offer?
Ineligible if you held 360 Checking, Simply Checking, or Total Control Checking as primary or secondary owner on or after January 1, 2024. Only one account bonus; offers cannot be combined.
The primary/secondary-owner lookback applies to the named Capital One checking products, not just the exact account name you plan to open.
U.S. offer; confirm availability for your address with the issuer. Bonus qualification does not guarantee account or credit approval.
What fees could reduce the bonus?
No monthly service fee or minimum balance requirement. Other service charges may apply. Bonus is reported on Form 1099-INT.
When does the qualification clock start?
75 days from account opening; two separate qualifying deposits must each reach $500.
When should the bonus arrive?
Assessment after the first 75 days can take up to 60 more days: up to 135 days total.
A concrete example
Hypothetical: $500 + $500 can satisfy the deposit count and amount; $900 + $100 cannot.
Timing and availability
End date not stated. This is a dated offer snapshot. Confirm that the promotion is still available before opening an account.
DEBIT250 and CHECKING250 are alternative codes for one new 360 Checking account. Capital One accepts one code per account and does not combine the welcome offers.
Compare the debit-purchase path →Questions before you apply
Will one $1,000 deposit earn the Capital One checking bonus?
No. This offer requires two qualifying deposits of at least $500 each. A larger single deposit does not replace the second deposit.
Does an old joint checking account affect eligibility?
It can. The ownership restriction includes primary and secondary holders of the named checking products on or after January 1, 2024. Check your account history before applying.
Why is my bonus missing after the second deposit?
Payment is not necessarily immediate. Capital One assesses eligibility after the first 75 days, then allows up to 60 more days to process payment. Keep the account open and in good standing.
Answers checked September 11, 2026 against Capital One’s official offer terms. Your enrolled offer controls; terms may change.
Prepare a useful bonus inquiry
Once the stated payout window has passed, gather the date and amount of each separate qualifying deposit. Use the issuer’s secure support channel and ask: “Which requirement remains unmet, which transactions counted, and what payout timeline applies to my enrolled offer?” Keep the case number and response. This is our suggested recordkeeping workflow, not a promise of payment.
Compare this account’s requirements · Estimate the bonus after costs
Keep the terms. Track the steps.
Save this version of our summary with your dates and checklist. A later offer update will not rewrite your plan. Keep the official agreement and enrollment confirmation separately.
Use the date that starts this offer’s clock. Dates are estimates; confirm them with the issuer.
Read the terms saved in this plan
Saved in this browser, with no account required. Download a copy before clearing browser data. We do not send your dates or checklist to our server. Importing calendar dates may sync them through your calendar provider; its settings control notifications.
Your completion checklist.
Checkmarks are your notes, not confirmation from the issuer. Save a plan above to keep them with a specific offer summary.
Keep the terms with your checklist.
Save the official offer terms and your enrollment confirmation. Record the exact start date, qualifying activity, deadline, and expected payout. Check the issuer’s full account agreement for account-standing, holding-period, and early-closure conditions; this summary does not establish that there are none.
Keep the account open and eligible through payout. Review the full account agreement and promotion for any additional holding or early-closure conditions before closing.
If the bonus does not arrive
Wait through the stated payout window, then ask the issuer which condition remains unmet. Keep your offer confirmation, relevant statements or posted activity, and support case number. Share account documents only through the issuer’s secure channels.