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.
Set an early target.
Uses a seven-day buffer. Confirm the exact deadline with your issuer; this tool does not check eligibility.
Your completion checklist.
Keep the official terms and supporting records privately. Checkmarks are your notes, not confirmation from the bank.
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, qualifying posted transactions, and support case number. Share account documents only through the issuer’s secure channels.