Capital One
Capital One 360 Checking $300 Bonus
Capital One pays you $300 when you open a 360 Checking account and receive two qualifying direct deposits of $500 or more within 75 days. There is no monthly fee and no opening deposit. Capital One does not publish whether it pulls credit when you open the account, and its own 360 Checking disclosure reserves the right to request a consumer credit report. The account is available nationwide and the bonus is one of the easier $300 offers among national banks.
- Bonus amount
- $300
- Time to complete
- ~75 days
- Bonus deposited in
- ~135 days
- Difficulty
- Easy
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. See how we make money
Requirements
Last verified: Aug 20, 2026
Open an account
Open your new account using the offer link before the offer expires.
Two qualifying direct deposits
Receive two qualifying direct deposits of $500 or more each within 75 days of account opening.
Capital One assesses eligibility after the 75-day direct deposit window, and processing takes up to 60 more days, so the bonus arrives within 135 days of account opening.
Account Details
Eligibility
Offer terms restrict eligibility if you’ve had certain Capital One checking accounts since 1/1/2022.
Direct Deposit Data Points 321
321 community reports across 47 transfer sources, showing what triggers a qualifying direct deposit at Capital One.
Can You Earn This Bonus Again?
Related Articles
What Counts as a Direct Deposit for Capital One Bonuses?
Based on 546 community-reported data points as of July 2026, Capital One 360 Checking accepts employer payroll, government benefits, and ACH pushes from Chase, Fidelity Cash Management, Schwab brokerage, Ally, and SoFi as qualifying direct deposits. Failures are rare. The current offer pays $300 for two $500+ direct deposits within 75 days.
Chase vs Capital One 360 Checking Bonus
Chase pays $400 with a higher direct deposit threshold and a $15 monthly fee. Capital One 360 pays $300 with no monthly fee and no minimum opening deposit. Both are nationwide. Chase runs no hard credit pull and Capital One does not publish what it pulls.
Easiest Bank Bonuses for Beginners
The best bank bonuses you can earn with no experience. Ranked by how easy they are to open, fund, and collect. Simple direct deposit requirements, no unavoidable monthly fees, and a side-by-side table of exactly what each bank asks for.
Also see: this month's best bank bonuses and community DD data points.
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. See how we make money