Chase Total Checking vs Capital One 360 Checking
Chase Total Checking 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.
| Chase Total Checking | Capital One 360 Checking | |
|---|---|---|
| Bonus | $400 | $250 |
| Requirement | Direct deposit $1,000 within 90 days of opening. | Two direct deposits of $500+ in 75 days. Code CHECKING250. |
| Direct deposit | Required | Required |
| Money tied up | None | None |
| Hold period | No hold | No hold |
| Effective APY | Not applicable | Not applicable |
| Payout | ~15 days after DD | ~60 days |
| Last checked | Jul 5, 2026 | Jul 5, 2026 |