If you’re looking for an easy, nationwide bank bonus with low requirements and no monthly fees, the Capital One 360 Checking bonus is one of the best offers available right now.
For a limited time, you can earn $400 when you open a new 360 Checking account and complete a simple direct deposit requirement. Here is an alternative $400 bonus from Chase if this offer doesn’t work for you.
More offers available nationwide? Our expert guide to the top bank bonuses features Chase, CIT Bank, & Axos Bank—claim yours today!
Capital One 360 Checking $400 Bonus – Overview
- Bonus Amount: $400
- Account Type: Checking
- Availability: Nationwide
- Expiration Date: May 19, 2026
- Promo Code: GET400
- Direct Deposit Requirement: 2 deposits of $500+
Trending Checking Account Deal:
How To Earn the $400 Bonus
Follow these simple steps:
Step 1: Open a New Account
Open a Capital One 360 Checking account using promo code FLASH400.
Step 2: Set Up Direct Deposits
Within 75 days of account opening, receive at least:
- 2 qualifying direct deposits
- Each deposit must be $500 or more
Qualifying deposits include things like your paycheck, government benefits, or pension payments.
Step 3: Receive Your Bonus
After completing the requirements, your $400 bonus will be deposited within up to 60 days.
Trending Savings Account Deal:
Key Features of Capital One 360 Checking
This account is actually solid even beyond the bonus:
- No monthly fees or minimum balance
- No overdraft fees
- Early direct deposit (up to 2 days early)
- Fast online account opening (about 5 minutes)
It’s a great “set-it-and-forget-it” checking account if you want something simple and fee-free.
Important Eligibility Rules
Before applying, keep these in mind:
- You cannot have had a Capital One 360 Checking account since January 1, 2024
- Must be a new checking customer
- Must open using the GET400 promo code
- Account must remain open and in good standing to receive the bonus
Also note:
- Transfers from your own accounts do NOT count as direct deposits
- Bonus will be reported as taxable income (1099-INT)
Timeline (What To Expect)
- 0–75 days: Complete direct deposits
- Up to 60 days after: Bonus is paid
- Total timeline: Up to ~135 days from account opening
Is This Bonus Worth It?
This is one of the easiest $400 bank bonuses available right now:
Pros:
- Low direct deposit requirement ($1,000 total)
- No monthly fees
- Nationwide availability
- Strong, reputable bank
Cons:
- Must wait a few months for payout
- Requires real direct deposits (not ACH transfers)
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
Final Thoughts
If you’re already receiving a paycheck via direct deposit, this is a very easy bonus to stack with minimal effort.
Compared to other checking bonuses that require $2,000–$5,000+ in deposits, this is a low-barrier, high-value offer—making it one of the best checking bonuses currently available.
For more Capital One offers, see here.
See more bank bonus offers here:
- Earn $200 With TD Bank Convenience Checking℠ Account Bonus – Ends 7/30/26
- Earn $300 With TD Bank Beyond Checking Bonus – Ends 7/30/26
- Acorns Bonuses: $20 Sign-Up Bonus & Up To $1000 Referral Offer – May 2026
- Citi Personal Wealth Management Bonus: Up To $5,000 Cash Offer – Ends 6/30/26
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