Capital One 360 Checking vs Bank of America Advantage Banking
Bank of America Advantage Banking returns more on the money it ties up, so it is the better first move for most people. Capital One 360 Checking still makes sense if its requirement is easier for you to meet.
| Capital One 360 Checking | Bank of America Advantage Banking | |
|---|---|---|
| Bonus | $250 | Up to $500 |
| Requirement | Two direct deposits of $500+ in 75 days. Code CHECKING250. | Direct deposit $2k / $5k / $10k for $100 / $300 / $500. |
| Direct deposit | Required | Required |
| Money tied up | None | None |
| Hold period | No hold | No hold |
| Effective APY | Not applicable | Not applicable |
| Payout | ~60 days | ~60 days |
| Last checked | Jul 5, 2026 | Jul 5, 2026 |