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Capital One Checking & Savings Account Sign Up Bonuses of 2023

Find out which checking and savings accounts from Capital One and Capital One 360 have attractive sign-up bonuses and deals -- worth hundreds of dollars.
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You've come to the right place if you're looking for top-notch bank accounts that are sure to help you grow your money.

Capital One is one of the biggest U.S. banks that happens to provide great bank accounts to Americans as part of their online division -- Capital One 360.

Find out which Capital One accounts come with a sign-up bonus right now:

Capital One Checking Account Deals

Capital One 360 Checking Account Bonus

Type Details
Bonus Amount $25
Expiration Date Ongoing
Credit Inquiry Soft Pull
ChexSystems (Banking Report) Inquiry Yes
Minimum Opening Deposit $250

Capital One always offers a referral bonus to existing customers who refer new customers to open a new Capital One 360 Checking account.

To qualify for the offer, open the checking account via a referral link (via this promotional page), then: 

  • Make an initial deposit of $250
  • Post a total of 3 debit card purchases or Zelle payments (any combination of the two) 

The cash bonus will be deposited into your account by day 50 after the requirements are met.

Capital One 360 Checking Account Fees

Type Fee
Monthly Maintenance Fee $0
Out-of-Network ATM Fee $0 (ATM operator fees may apply)
Overdraft Fee $0
Overdraft Protection Transfer N/A
Returned Item $9
Stop Payment $25
Deposited Item Returned or Cashed Check Returned $0
Incoming Domestic Wire Transfer $0
Incoming International Wire Transfer $0
Money Order N/A
Cashiers Check $10

No monthly fees to worry about

The Capital One 360 Checking account is great replacement for a traditional checking account.

It is online-only and pays a generous interest rate on your balance (rate increases as your balance increases). It has no monthly fee, so you don't have to worry about carrying a minimum balance or having certain activity on your account.

Some of the account's notable benefits include:

  • Overdraft line of credit (no overdraft fee)
  • Surcharge-free access to Allpoint ATMs and Capital One ATMs

Compare to Other Top Checking accounts:

Taxes Are Owed on Bank Bonuses Too

It's a common question for people to ask whether they have to pay taxes on the money that you get from bank bonuses.

The answer is: yes.

It counts as income, so you'll have to report it on your tax return. Capital One will issue a Form 1099-INT at the end of the year -- expect it in the mail during tax season.

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