Capital One Checking Account Bonus: December 2024
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Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.
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Personal Checking Account - $300 Bonus
Open a new 360 Checking account. Use promo code OFFER300 at account opening. Set up and receive 2 qualifying direct deposits of $500 or more within 75 days of account opening.
Personal Checking Account - $250 Bonus
Open a new 360 Checking account. Use promo code CHECKING250 at account opening. Set up and receive 2 qualifying direct deposits of $500 or more each within 75 days of account opening.
Capital One offers awesome bank bonuses worth watching out for.
You don't just get to open an account with a major bank — you are also rewarded for doing so.
However, Capital One's checking account bonuses are only available for a limited time. So, here is how you can make the most out of them.
What Is A Capital One Checking Account Bonus?
Capital One's checking bonus is a promotional offer designed to incentivize people to open a new 360 Checking account. It often involves fulfilling certain requirements to qualify for the bonus.
The criteria to get the bonus can vary, but it usually entails making a minimum deposit, sharing a referral link, receiving Automated Clearing House (ACH) direct deposits such as government payments, and the like.
Once the requirements are met, customers can receive a cash bonus or other incentives being offered.
Personal Checking Account - $300 Bonus
Open a new 360 Checking account. Use promo code OFFER300 at account opening. Set up and receive 2 qualifying direct deposits of $500 or more within 75 days of account opening.
Personal Checking Account - $250 Bonus
Open a new 360 Checking account. Use promo code CHECKING250 at account opening. Set up and receive 2 qualifying direct deposits of $500 or more each within 75 days of account opening.
Yes, Capital One bonuses often have expiration dates. They usually indicate the time frame within which you must meet the requirements to qualify for the bonus.
Is Capital One A Good Bank?
As one of the largest banks in the US[1], Capital One is a good option. They offer a variety of products like checking and savings accounts, credit cards, loans, and more.
While primarily known as an online bank, Capital One has several locations in the country. They also have cafes in select states where you can enjoy some food and drinks, do banking errands, and access workspace facilities.[2]
Plus, Capital One provides fee-free access to over 70,000 ATMs nationwide through Capital One, MoneyPass® and Allpoint® ATMs.[3] With a strong physical and digital presence, they're a convenient choice for many.
How Do You Earn A Bonus From Capital One?
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Although bonus offers may change from time to time, here's how you typically earn a Capital One checking bonus:
- Enter the bonus code upon opening an account.
Eligible patrons will receive a link to a bonus code (via email), so make sure to use it within the promo period. - Set up direct deposits.
You must receive a minimum of 2 direct deposits up to a certain amount and within a specific time frame. - Receive your bonus.
Capital One usually pays the bonus within 60 days after fulfilling the requirements.
Who Is The Capital One Checking Bonus Best For?
Capital One's checking bonus is ideal for those who are eligible to apply and can fulfill the incentive requirements.
It is also a great benefit for Capital One patrons who want to develop a long-term relationship with the bank.
About Capital One 360 Checking
Capital One 360 Checking is a convenient and flexible checking account for those who want a smooth banking experience.
It boasts the following key features:
- No monthly service fees
- No minimum balance requirements
- Access to your paycheck up to two days early[4]
- Access to 70,000+ fee-free ATMs[5]
- Cash deposits at CVS locations
- Fee-free overdraft protection
- Access to Capital One Cafes in select cities[6]
Aside from the 360 Checking, Capital One also has the MONEY Teen Checking account which is designed for kids and teens aged 8-17 and comes with parental controls.
360 Checking Account
- $0 opening minimum
- No monthly service fee
- No minimum balance requirement
- 0.10% APY
- 40,000+ Allpoint ATMs
MONEY Teen Checking Account
- No monthly service fee
- No minimum balance
- Free debit card for kids
- Parental controls
How To Open A Capital One Checking Account?
There are mainly 2 ways to open a Capital One Checking account: online and in-person. Either way, here are the usual steps involved:
- Visit the Capital One website or go to a Capital One location near you.
- Fill out the Capital One 360 Checking account application form and provide the necessary documents.
- Activate your account by setting up online banking access and getting your debit card/checks.
More About Capital One Promotions
Here are other things you should know about Capital One's promotional offers:
You don't have to be a new client.
You can still qualify for a bonus even if you are an existing Capital One customer (but for a different product). As such, your account must be in good standing. If you already have a 360 Checking account, you may be disqualified from participating.
Bonuses are taxable.
The bonus received upon opening a Capital One checking may be subject to taxes. Capital One will classify it as interest monthly income and report it to the IRS using Form 1099-INT.
Bonuses can come in higher APYs.
Although Capital One often gives cash bonuses, there may be instances where they advertise a higher APY on their savings account for a certain period.
Conditions vary per promotion.
Every Capital One promotion has different requirements and conditions. Some entail setting up direct deposits while others require keeping a specific balance within a set time frame.
Yes, it is possible to get more than one bonus from Capital One, albeit from different products. Capital One is also known for its rewards credit card promotional offers. You may still be eligible for them even if you have already claimed a checking bonus.
Is Capital One Checking Bonus Worth It?
Capital One's checking account bonus is worth considering for a few reasons. The requirements are usually easy to fulfill, making it appealing for those who want to open a new checking account.
Plus, the account itself has lots of good features like no monthly fees, no minimum balance, and a wide ATM network.
Overall, bank promotions offer an easy way to earn extra cash without much effort, especially if you can meet the bonus criteria.
Other Checking Account Promotions
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
U.S. Bank Smartly® Checking - Up to $450 Bonus
Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
HSBC Premier - Earn Up to $2,500
Start an HSBC Premier relationship today. You'll enjoy premium banking with both local and global benefits and access to wealth solutions offered through HSBC Securities, (USA), Inc*.
You could earn $1,500 or $2,500 if you open a new, eligible HSBC Premier checking account from July 1, 2024 through January 2, 2025, and complete qualifying activities.
- Get a $1,500 Cash Bonus: Add New Money of $100,000 to $249,999 in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.
- Get a $2,500 Cash Bonus: Add New Money of $250,000+ in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.
- Cash Bonus will be deposited into your new checking account within 8 weeks of meeting all the offer requirements.
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
First Tech Rewards Checking® - Up to $300 Bonus
- New Direct Deposit Offer
- New and existing account holders can set up qualifying direct deposits to earn a one-time bonus: $50 for $1,000–$5,000 per month or $300 for over $5,000 per month.
- Direct deposits must meet the required amount for the bonus tier and occur at least once a month for three months.
- Earn up to 3.50% Annual Percentage Yield (APY)
- No minimum balance requirements and no monthly account maintenance fees
- Surcharge-free access at nearly 30,000 CO-OP network ATMs nationwide
- NCUA Insured
Discover® Cashback Checking - Up to $30/Month Cashback
Earn 1% cash back on up to $3,000 in debit card purchases each month, for a total of up to $30 cashback per month. Discover Cashback Debit checking account has no minimum balance requirement, no fees, and free online bill pay. See website for details.
Rewards Checking - Up to 3.30% APY
- Build your own APY with up to 3.30% APY*
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- No initial deposit requirement
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Simple, 3-step process for direct deposit
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by May 16, 2025.
- Make the minimum opening deposit of $10, plus one single eligible direct deposit of at least $1,000 within the first 60 days of account opening.
- Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
OneCard with Rewards Checking - $200 Bonus
- 3% cash back on everyday expenses (up to $500 in rewards per calendar year); 2% on everything else
- No annual fee
- Choose to Pay Now with no interest, or Pay Later
- $200 bonus when you also open and fund a new Upgrade Rewards Checking Plus account and make 3 qualifying purchases on your Upgrade OneCard and/or Rewards Checking Plus debit card within 60 days
BMO Smart Advantage Checking Account and BMO Smart Money Checking Account - Earn $300 Cash Bonus*
$300 Cash Bonus* when you have $4,000 in direct deposits within 90 days of opening between 11/1/24 – 2/3/25. *Conditions Apply. Available in the U.S. BMO Bank N.A. Member FDIC
FAQS
How do I get $400 from Capital One?
Capital One bonus offers differ from time to time. While there has been a previous $400 checking promotion at least once, this is not a fixed offer. Best to check our page to see their ongoing offers.
How long does it take to get your Capital One checking bonus?
It may take several weeks or even months upon fulfilling the bonus requirements to receive your Capital One checking bonus. Ultimately, this will depend on the actual promo terms and conditions.
How do I find Capital One promo codes?
Check out our page to ensure you get the latest Capital One promo codes. Once you see one, act on it quickly before it's gone.
Bottom Line
Capital One offers great promotions for those who want to earn a little extra cash. Eligible individuals must simply meet the requirements within a certain period to get the incentive.
However, most Capital One bonuses have a limited time frame, so seize the opportunity when there is one!
References
- ^ Federal Reserve. Federal Reserve Statistical Release, Retrieved 12/08/2023
- ^ Capital One. Capital One Locations, Retrieved 12/08/2023
- ^ Capital One. Bank On The Go With Fee-free ATMs, Retrieved 12/08/2023
- ^ Capital One. Early Paycheck, Retrieved 8/29/23
- ^ Capital One. ATMs, Retrieved 8/29/23
- ^ Capital One. Cafe, Retrieved 8/29/23
- ^ Capital One. Adding money to your account, Retrieved 8/29/23
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
U.S. Bank Smartly® Checking - Up to $450 Bonus
Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
CIT Bank Platinum Savings - 4.35% APY
- 4.35% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
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