How long do you have to keep money in Capital One to get the bonus?
Plan on about 90 days with roughly $500 parked at Capital One. Measured that way the $250 bonus is worth 203% effective APY, which is the only honest way to compare it to a savings account.
Capital One 360 Checking is a checking offer.
The numbers, in full
| Payout | $250 |
|---|---|
| What it takes | Two direct deposits of $500+ in 75 days. Code CHECKING250. |
| Direct deposit needed | Yes |
| Money tied up | $500 |
| Time committed | 90 days |
| Effective APY | 203% |
| Per hour of your time | $500/hr |
| When it pays | ~60 days |
| Offer ends | No published end date |
| Last checked | Jul 5, 2026 |
What the return actually looks like
This reads high because you barely tie up any money: $500 committed for about 90 days pays $250. Annualized, that is 203%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 608% | |
| 45 days | 406% | |
| 60 days | 304% | |
| 90 days | 203% | The offer's own stated window |
| 120 days | 152% | |
| 180 days | 101% | |
| 270 days | 67.6% | |
| 365 days | 50.0% |
Open it
We have no referral for this one, so this goes straight to the public offer.
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