New Capital One $400 Checking Bonus, Available Nationwide

May 13, 2026

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Capital One $400 Checking Bonus

Capital One is offering a $400 bonus for customers who open a new 360 Checking account. The offer is available nationwide and it does require a direct deposit, unlike this $250 bonus. Let’s see how this bonus works, and who is eligible.

How to Earn This Bonus

Here’s how you can earn this $300 bonus:

Open a new 360 Checking account using promo code FLASH400
Set up and receive at least 2 qualifying direct deposits, each of $500 or more, within 75 days of account opening.
Your $400 bonus will be deposited into your new account after you complete these steps. After the first 75 days from account opening, your status to receive the bonus will be assessed and processed, which can take up to 60 days. No minimum balance is required to be maintained in order to receive this bonus.

Capital One Checking Bonus Eligibility?

Here are the eligibility details for this bonus:

If you have or had an open 360 Checking, Simply Checking, or Total Control Checking account as a primary or secondary account holder with Capital One on or after January 1, 2024, you will be ineligible for the bonus.
Bonus is only valid for one new 360 Checking account.
This offer is available online and nationwide.

Capital One Checking Account Fees

The 360 Checking account has no monthly cycle service charge and no minimum balance required to open or maintain the account.
There’s no early closing fee for this account but if your account is in default, closed or suspended, or otherwise not in good standing before you receive the bonus, you will not receive the bonus. No minimum balance is required to be maintained in order to receive this bonus.

Guru’s Wrap-Up

With this offer from Capital One you can earn $400 for opening a new checking account and completing two direct deposits of $500 or more within 75 days.

Bank bonuses are a great way to earn some extra income, often from the comfort of your home. You can take a look at my bank bonus results for 2022 where I made over $6,000. If this bonus is not for you, then you can check our full list of available bank bonuses. You can also access bonuses available in your state by clicking the article tags below, or more nationwide bonuses by visiting dannydealguru.com/tag/nationwide/.

And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here.

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