Capital One
Capital One 360 Checking (Debit Bonus) $250 Bonus
- Bonus amount
- $250
- Expires
- Not listed
- Time to complete
- ~75 days
- Bonus deposited in
- ~135 days
- Difficulty
- Easy
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Requirements
Last verified: Oct 8, 2026
Open 360 Checking with code DEBIT250
Open a new 360 Checking account using promo code DEBIT250. You are not eligible if you have or had an open 360 Checking, Simply Checking or Total Control Checking account as a primary or secondary holder on or after January 1, 2024.
20 debit card purchases of $10+ in 75 days
Use your 360 Checking debit card for at least 20 qualifying transactions of $10 or more within 75 days of account opening. Only in-person and online debit card purchases count.
Capital One deposits the bonus into the account within 60 days after the 75-day transaction period ends.
Account Details
Eligibility
Not eligible if you have or had an open Capital One 360 Checking, Simply Checking or Total Control Checking account (primary or secondary) on or after January 1, 2024.
Tips & Gotchas
- →No direct deposit is required. The only task is 20 debit card purchases of $10 or more in 75 days.
- →You can only earn one Capital One 360 Checking bonus, so this competes with the $300 direct-deposit offer. Pick one.
- →Capital One's page says "Offers may vary". Open the account with promo code DEBIT250 so the terms are locked in for you.
- →Not eligible if you have had a 360 Checking, Simply Checking or Total Control Checking account since January 1, 2024.
Direct Deposit Data Points 323
323 community reports across 47 transfer sources, showing what triggers a qualifying direct deposit at Capital One.
How long until the bonus posts? The most recent community reports average about 76 days. See 223 reports on Capital One Checking payout timelines →
Can You Earn This Bonus Again?
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What Counts as a Direct Deposit for Capital One Bonuses?
Based on 549 community-reported data points as of September 2026, Capital One 360 Checking accepts employer payroll, government benefits, and ACH pushes from Chase, Fidelity Cash Management, Schwab brokerage, and Ally as qualifying direct deposits. Failures are uncommon, but a few 2026 pushes from SoFi, Schwab, and smaller brokerages coded as transfers. The current offer pays $300 for two $500+ direct deposits within 75 days.
What is rechurning?
Opening an account at the same bank again after a waiting period to earn the bonus a second (or third) time.
Do Bank Bonuses Show Up on a 1099-INT?
Yes. Bank bonuses are taxable income. Once you earn $10 or more from a single bank in a calendar year, the bank sends a 1099-INT and you report it as ordinary income on your tax return.
Also see: this month's best bank bonuses and community DD data points.
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