Capital One $400

Capital One 360 Checking Bonus Offer

💰 Earn $400 with 360 Checking

Open a new Capital One 360 Checking account using promo code FLASH400 and complete qualifying direct deposits to earn a $400 bonus.

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📋 How to Earn the $400 Bonus

1. Open a 360 Checking Account

• Open a new 360 Checking account
• Use promo code: FLASH400

2. Set Up Direct Deposits

• Receive at least 2 qualifying direct deposits
• Each deposit must be $500 or more
• Must be completed within 75 days of account opening

3. Receive Your Bonus

• The $400 bonus will be deposited within 60 days after requirements are completed

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💵 Interest Rate

• 360 Checking earns 0.10% APY
• Rates are variable and effective as of 5/5/2026

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⭐ Key Benefits

No Fees or Minimums

• No monthly maintenance fees
• No minimum balance requirements

Early Paycheck

• Receive eligible direct deposits up to 2 days early

No Overdraft Fees

• Eligible customers may qualify for no-fee overdraft coverage

Fast Account Opening

• Open an account in about 5 minutes

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📌 Offer Terms & Eligibility

• Limited-time offer that may end at any time
• Existing or previous holders of:
  • 360 Checking
  • Simply Checking
  • Total Control Checking
• on or after January 1, 2024 are not eligible

Account Requirements

• Account must remain:
  • Open
  • In good standing
• at the time the bonus is paid

Bonus Limitations

• One promotional bonus per new account
• Cannot be combined with other 360 Checking promotions
• Bonus reported on IRS Form 1099-INT

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✔️ Qualifying Direct Deposits

Qualifying deposits include:

• Salary
• Pension
• Government payments
• Other recurring monthly income

Deposits must come through:

• ACH credit
• Real-Time Payments network

Does NOT Qualify

• Wire transfers
• ACH transfers initiated from Capital One website/app
• Internal transfers

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📅 Bonus Timeline

Step 1

Open account using promo code FLASH400

Step 2

Complete qualifying direct deposits within 75 days

Step 3

Bonus deposited within 60 days after qualification review

Total Possible Timeline

• Up to 135 days from account opening

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🏧 ATM Access

Fee-free access available through:

• Allpoint®
• MoneyPass®
• Capital One branded ATMs

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📱 Mobile Banking

• Capital One Mobile App available for iOS and Android
• Smartphone access required

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ℹ️ Additional Notes

• 360 Checking is a tiered-rate account
• Interest compounds monthly
• No minimum balance required
• Rates subject to change at any time
• Offer subject to approval and availability