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Personal Checking Bonuses

Capital One 360 Checking

Bonus: $250

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$250

Offer details

How to earn the bonus

Open a new 360 Checking account with promo code CHECKING250 and receive two qualifying direct deposits of $500 each within 75 days — or use code DEBIT250 and make 20 debit-card transactions of $10+ within 75 days. Bonus posts within 60 days after the qualifying period.

  • Availability: Nationwide
  • Expiration: No expiration date published — confirm the current offer on the official page before applying.
  • Promo code: CHECKING250 or DEBIT250
Open official offer page

The link opens the official Capital One 360 Checking offer page on the bank’s own website. Offers expire and terms change — confirm the current bonus, qualifying deposits, state eligibility, and that any promo code applies before submitting an application.

Before You Apply

  • Direct deposit is usually the trigger: Most checking bonuses require a set amount of qualifying direct deposits (paycheck, pension, or government benefits) within 60–90 days. Person-to-person transfers like Zelle almost never count.
  • Watch the monthly fee: A bonus account often carries a monthly maintenance fee that is waived only while you meet a balance or deposit minimum. After the bonus posts, confirm the fee waiver still applies or close the account on the bank’s terms.
  • Bonuses are taxable: Bank and credit-union bonuses are generally reported to the IRS on Form 1099-INT (or 1099-MISC) as taxable interest or miscellaneous income. Plan for the tax bill at year end — the bank will report it whether or not you receive the form.
  • Confirm state eligibility: Several offers are limited to residents of specific states, and some promo codes are targeted. Always confirm eligibility and that the promo code applies on the bank’s landing page before submitting an application.

More Personal Checking Bonuses

Chase Total Checking

$400View offer details

Chase Total Checking + Savings Combo

Up to $900View offer details

Wells Fargo Everyday Checking

$325View offer details

Wells Fargo Clear Access Banking

$125View offer details

Citi Regular Checking

$325 (up to $4,000)View offer details

SoFi Checking and Savings

Up to $400View offer details

Bank and credit-union bonuses are generally reported to the IRS on Form 1099-INT (or 1099-MISC) as taxable interest or miscellaneous income. Always confirm state eligibility and that any promo code applies on the bank’s official landing page before submitting an application.