Snag Up to $1,500 in Bonuses with Capital One 360 – Checking, Savings & Business Offers

Capital One is running a trio of solid cash bonuses right now, and you can grab them whether you're opening a personal checking account, a business checking account, or a high-yield savings account. The best part? None of these have monthly fees, so you won't lose money just holding the account. Let's break down each offer so you can pick the one (or more) that fits your situation.

The $250 Checking Bonus – Easy Money for Direct Deposit Users

This one's straightforward: open a new 360 Checking account using promo code CHECKING250, then set up two direct deposits of at least $500 each within 75 days. That's it. No minimum balance to maintain, no monthly fees to worry about.

Just keep in mind that if you've had a 360 Checking, Simply Checking, or Total Control Checking account since January 1, 2022, you're not eligible. Also, the direct deposits need to be from an employer, government agency, or similar recurring source – transfers from another Capital One account or bank-to-bank transfers won't count.

Once you meet the requirements, the $250 bonus lands in your account within 60 days after the 75-day window closes. So expect it in about 135 days total.

• Promo code: CHECKING250
• Two direct deposits of $500+ each within 75 days
• No monthly fee, no minimum balance required
• Bonus posted within 60 days after meeting requirements

Business Checking: $500 for a Little Extra Work

If you run a small business or have a side hustle, Capital One's business checking offer is worth a look. You'll need to open a Basic or Enhanced Checking account online with code SBOFFER500, deposit at least $5,000 from outside Capital One within 30 days, keep that balance for at least 60 days out of the first 90, and make 10 qualifying electronic transactions (like ACH, wire, or remote check deposits) within 90 days.

The Basic Checking has a $15 monthly fee that's waived if you keep a $2,000 balance. The Enhanced Checking costs $35 per month but waives that with a $25,000 balance. So if you can meet the deposit requirements, the bonus easily covers any fees.

One catch: you can't have been a user on a Capital One business checking account opened after January 1, 2025. And only one account per business qualifies for the bonus.

• Promo code: SBOFFER500
• Deposit $5,000+ from external source within 30 days
• Maintain $5,000 balance for 60 days within 90 days
• Make 10 qualifying electronic transactions within 90 days
• Bonus deposited within 60-90 days after meeting requirements

Savings Bonus: Up to $1,500 for a Big Deposit

The 360 Performance Savings account offers a tiered bonus based on how much you deposit. Open with code BONUS1500, then deposit external funds within 15 days: $20,000 gets you $300, $50,000 gets you $750, and $100,000 gets you $1,500. You'll need to keep that money in the account for 90 days after the initial funding period.

This account has no monthly fees, so you can just park your cash and earn the bonus plus interest. The bonus is reported as interest on a 1099-INT, so factor that into your taxes.

A heads-up: if you try to pull funds from an external account through Capital One's website, you might hit transfer limits. To avoid that, you can push the money from your other bank instead.

• Promo code: BONUS1500
• Deposit $20k+ for $300, $50k+ for $750, $100k+ for $1,500
• Funds must be from external sources within 15 days
• Hold deposit for 90 days after funding period
• Bonus within 60 days after holding period

Bottom Line

• No monthly fees on personal accounts; business fees are waivable.
• You can potentially combine offers if you open separate accounts (check terms).
• Bonuses are taxable interest – you'll get a 1099-INT.
• Set up direct deposits or transfers early to meet deadlines.

Common Questions