Checking bonus

Capital One 360 Checking

Current bonus

No signup bonus

~$0 in cash.

Direct deposit required
No
New customers only
Yes
Minimum deposit
—
Last verified
2026-08-01
Open account

Bonus details

No signup bonus. Value comes from no fees, no minimums, and no overdraft fees — plus 70,000+ fee-free ATMs. Strong "free money from no fees" pick rather than a churn target. (Verified on capitalone.com.)

Requirements

  • No minimum deposit
  • No monthly service fee
  • No overdraft fees
  • Tiered APY interest on balances

Eligibility

Available in most US states. Open online in ~5 minutes.

Our review

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