[YMMV] Capital One $400 Checking Bonus

Note this is targeted, but many people are targeted when checking app or logging in.

Offer at a glance

Maximum bonus amount: $400
Availability: Nationwide
Direct deposit required: Yes, two direct deposits of $500+
Additional requirements: Use promo code
Hard/soft pull: Soft (overdraft protection no longer being offered)
ChexSystems: Mixed. EWS sensitive according to the comments
Credit card funding: None
Monthly fees: None
Early account termination fee: None
Household limit: None listed
Expiration date: None listed

Contents

1 The Offer
2 The Fine Print
3 Avoiding Fees
- 3.1 Monthly Fees
- 3.2 Early Account Termination Fee
4 Our Verdict

The Offer

Direct link to offer (note this is targeted, but many people are targeted when checking app or logging in)

Capital One is offering a $400 bonus when you open a new checking account and complete the following requirements:
- Use promo code GET400
- Set up and receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening

The Fine Print

Offers may vary. This offer is non transferable. Capital One reserves the right to end or change the terms of this offer at any time prior to you accepting the offer, with or without notice. Changing the terms of this offer could result in a change to any of the offer requirements such as, but not limited to, the required deposit amounts, qualified external deposit sources, the bonus amounts or expiration date. Please note that once your account is opened with a promotional code, the terms of the offer will not change without us notifying you in advance.
This offer is exclusive for existing Account Owners, Authorized Users or Account Managers of an eligible consumer Capital One product and is subject to eligibility. Customers must be currently enrolled in online banking for verification of eligibility.
Eligible consumer products include: Consumer Bank Savings Products, Capital One Auto Finance Loan Accounts, Platinum Mastercard, Platinum Preferred, Platinum Rewards, Platinum Secured, Quicksilver Rewards, Quicksilver Secured Rewards, QuicksilverOne Rewards, Savor Rewards, SavorOne Rewards, Venture Rewards, Venture X Rewards, VentureOne Rewards, Kohl’s Rewards Visa, BJ’s One Mastercard, BJ’s One+ Mastercard, BJ’s Business Elite Mastercard and other select legacy credit card products.
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 Jan. 1, 2024, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing before you receive the bonus, you will not receive the bonus.
Here’s the full scoop on how to earn your $400 bonus:

1. New consumer checking customers open a 360 Checking account by 11:59 p.m. ET on May 19, 2026 using promo code GET400.
2. 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.
3. 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.