$400 Capital One Checking Bonus
There is a new $400 Capital One Checking account that you should be aware of. The offer is available online and nationwide, and the account has no monthly fees. It is one of the easier checking account bonuses out there, and the bonus usually posts pretty quickly. Update 5/12/26: The higher $400 bonus is now publicly available and is the best ever offer (HT DoC)
Offer Details
Here are the $400 Capital One checking bonus offer details:
- Open a 360 Checking account using a targeted offer found in your Capital One account for a $400 bonus with FLASH400.
- Set up and receive at least 2 Qualifying Direct Deposits each of $500 or more to your 360 Checking account within 75 days of account opening.
- Capital One will deposit the bonus into your account after the first two requirements listed above are completed. See below for when the bonus will be posted.
This is the best I can remember seeing for the Capital One checking account bonus, so grab it if you see it.
$400 Capital One Checking Bonus Link
Key Terms
Here are some notable terms for the Capital One checking account bonus offer.
- Account must be opened with the FLASH400 before the offer ends. Offer can end at any time.
- 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.
- If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.
- The account earns 0.10% Annual Percentage Yield (APY).
Easy $400 Capital One Checking Bonus
This bonus is available to everyone, as long as you don’t have a Capital One account, or had one after January 1, 2024. To earn the $400 bonus you need to open a new checking account and complete two direct deposits of $500 or more within 75 days. Normally, transfers from Chase, Charles Schwab and some other institutions will trigger the direct deposit requirement. The fact that so many things work to trigger the bonus, and the quick turnaround for posting the money, makes this one of the better offers out there.
