Capital Bank Checking Bonus: Earn Up to 10,500 uChoose Rewards Points [NY] – Ends 4/30/26

Looking for an easy bonus without jumping through hoops like direct deposits? Capital Bank is currently offering a simple rewards-based promotion where you can earn up to 10,500 uChoose Rewards® points just for opening a checking account and using your debit card.

This is a low-effort bonus compared to traditional bank offers—and a solid option if you prefer rewards points over cash bonuses.

The offer is only available in New York. If you’re for offers available nationwide, check out our top picks here—including huge offers from Chase, CIT Bank and Axos Bank that you won’t want to miss!

Bonus Overview

• Bonus Amount: Up to 10,500 uChoose Rewards® points
• Expiration Date: April 30, 2026
• Availability: New checking customers
• Credit Inquiry: Likely soft pull (varies by bank)

TRENDING DEAL:

Chase Private Client Bonus: Earn Up to $3,000 with a New Checking Account*

Bring your money where it’s treated differently. Open a Chase Private Client Checking account and earn up to $3,000 in cash bonuses* when you move qualifying new money to Chase...Show More

Bring your money where it’s treated differently. Open a Chase Private Client Checking account and earn up to $3,000 in cash bonuses* when you move qualifying new money to Chase Private Client. Deposit $150,000–$249,999 to earn $1,000, $250,000–$499,999 to earn $2,000, or $500,000+ to earn the full $3,000. Meet with a Private Client Banker in-branch, transfer eligible funds within 45 days, and maintain your balance for 90 days to unlock premium relationship banking, priority service, and access to J.P. Morgan Wealth Management. Offer ends 7/15/26.* Show Less

Up to $3,000 Cash Bonus

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How To Earn the Bonus

Getting the full bonus is straightforward:

1. Open a new Capital Bank checking account
   • Minimum opening deposit starts as low as $1–$25 depending on account type
2. Enroll in uChoose Rewards®
   • Earn 10,000 bonus points just for enrolling
3. Make your first qualifying debit card purchase
   • Earn 500 additional points
   • Must be processed as a signature (credit) transaction

That’s it—no direct deposit or large balance requirements needed.

Account Options

Capital Bank offers several checking account types to qualify for this bonus:

• Free Checking – No monthly fees, no minimum balance
• Global Checking – ATM fee access worldwide (fees may apply if requirements not met)
• Student Accounts (Global 1.0 / 2.0) – Designed for younger customers
• BankOn Checking – No overdraft fees
• NOW Account – Interest-bearing (requires $1,000 balance)

The Free Checking option is likely the easiest route for most people since it has no monthly fee and no balance requirement.

Trending Savings Account Deal:

Raisin Savings Network: 70+ Banks, Up $1200 & Top Savings Account APY Rates

Unlock the power of your savings with Raisin’s exclusive network of 70+ insured banks and credit unions, offering top-tier savings rates with zero fees. Plus earn up to a $1,200...Show More

Unlock the power of your savings with Raisin’s exclusive network of 70+ insured banks and credit unions, offering top-tier savings rates with zero fees. Plus earn up to a $1,200 sign up bonus. With just one secure login, you can easily diversify your deposits across multiple institutions, all backed by up to $10 million in federal deposit insurance coverage.¹ Open your Raisin account in minutes and start earning more today. Show Less

Up to $1,500 & Top APY

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What Are 10,500 Points Worth?

The value of uChoose Rewards points varies depending on how you redeem them, but typically:

• 10,000 points ≈ $100 value (gift cards or cashback equivalent)
• So the full bonus is roughly $100–$105 in value

This makes it comparable to smaller bank bonuses—but with much easier requirements.

Key Terms To Know

• You must enroll in uChoose Rewards® by April 30, 2026
• Your debit card purchase must post before the deadline
• Bonus is limited to new enrollments only
• Maximum bonus: 10,500 points
• Points typically post within about 1 week

Is This Bonus Worth It?

This offer stands out because of its simplicity:

Pros

• No direct deposit required
• No large balance requirement
• Quick and easy to complete
• Low risk / low effort

Cons

• Not a cash bonus (points instead)
• Lower value than $200–$500 checking bonuses
• Limited upside

See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today

Bottom Line

If you’re looking for an easy, low-effort bank bonus, this Capital Bank offer is one of the simplest available right now.

You won’t get a huge payout—but for just opening an account, enrolling in rewards, and making a single purchase, earning around $100 in value is a solid deal.