Bank bonuses are taxable interest — expect a 1099-INT. See our bank bonus tax guide.
What Counts as Direct Deposit
134 reports across 2 sources. Last report Jun 8, 2026. Doctor of Credit comments 129, Reddit 5.
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
YESAlly ACH push15 reports · 14 worked · 1 failed · last report Dec 30, 2025General note: Good but softening; fails at Chase. 14 member reports of it working, 1 of it failing, last confirmed Dec 2025.
YESEmployer payroll or government benefit deposit5 reports · 5 worked · last report Mar 29, 2026The only near-universal trigger — real payroll or SSA/pension/tax-refund, PPD-coded. 5 member reports of it working, none of it failing, last confirmed Mar 2026.
YESWells Fargo ACH push5 reports · 5 worked · last report Feb 22, 2026How it posts: "direct deposit"5 member reports of it working, none of it failing, last confirmed Feb 2026. Members report it posting as "direct deposit,".
YESU.S. Bank Business (payroll ACH)3 reports · 3 worked · last report Apr 28, 2026Business-account ACH, tracker-labeled separately from personal pushes. 3 member reports of it working, none of it failing, last confirmed Apr 2026.
YESCash AppFrom the bank published terms and our own checks
YESDiscover Savings ACH pushFrom the bank published terms and our own checksConfirmed with 10+ data points.
YESE*TRADEFrom the bank published terms and our own checks
YESMarcus/Goldman SachsFrom the bank published terms and our own checks
YESPayPal ACHFrom the bank published terms and our own checksSome data points confirm this works.
YESVenmo ACHFrom the bank published terms and our own checksConfirmed with 10+ data points.
YESWise (TransferWise)From the bank published terms and our own checks
YESZelleFrom the bank published terms and our own checksLimited data points but reported as working.
MAYBEChase (personal) ACH push31 reports · 26 worked · 5 failed · last report May 2, 2026How it posts: "Ext Trnsfr"Personal-checking ACH pushes only. 26 member reports of it working, 5 of it failing, last confirmed May 2026. Members report it posting as "Ext Trnsfr".
MAYBEFidelity Cash Management ACH push31 reports · 25 worked · 6 failed · last report Jun 8, 2026The #1 workaround pusher; codes payroll-like at most banks. 25 member reports of it working, 6 of it failing, last confirmed Apr 2026. Members report it posting as "Cha-Ching! New Account Bonuis".
MAYBECharles Schwab ACH push25 reports · 16 worked · 9 failed · last report Jun 8, 2026How it posts: "Transfer"General note: Historically strong; deteriorating at Chase/Huntington in early 2026. 16 member reports of it working, 9 of it failing, last confirmed Mar 2026. Members report it posting as "Transfer".
MAYBESoFi ACH push12 reports · 10 worked · 2 failed · last report Mar 22, 2026Good as a sender, but STRICT as a receiver in 2026. 10 member reports of it working, 2 of it failing, last confirmed Feb 2026.
NOInternal Capital One transferFrom the bank published terms and our own checksTransfers between your own Capital One accounts do not qualify.
NOUSAAFrom the bank published terms and our own checksMultiple data points report this does not work.
YESVanguard ACH push1 report · 1 worked · last report Mar 29, 2026General note: Sparse data; works at Capital One, fails at BofA. 1 member report of it working, none of it failing, last confirmed Mar 2026.
MAYBECurrent ACH push2 reports · 1 worked · 1 failed · last report Mar 22, 20261 member report of it working, 1 of it failing, last confirmed Feb 2026.
Open with OFFER300, get two $500+ direct deposits in 75 days, bonus within 60 days after second deposit. Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Source: our guide to what counts as direct deposit, verified per-bank against official terms and community data points (originally compiled with help from Doctor of Credit). Data points change, so always verify with the bank.
Overview
Capital One is currently offering a $300 checking bonus. The core requirement is 2 separate direct deposits of $500 or more each within 75 days. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
+$300 cash bonus
+No monthly maintenance fee
+No documented hard credit pull
+Available nationwide, subject to the bank's eligibility rules
+75-day qualification window
Cons
-No published end date; terms can change without notice
Notes
Enter promo code OFFER300 during application. Make 2 SINGLE direct deposits of $500 or more each within 75 days. Allow approximately 135 days for the bonus to post after qualification. Keep the account open for at least 135 days.
How This Compares to Other Bonuses
Capital One's $300 offer is closest in headline value to PSECU's $300 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Capital One checking bonus?
Capital One currently advertises $300. The principal requirement is 2 separate direct deposits of $500 or more each within 75 days.
Does the Capital One bonus require direct deposit?
Yes. The catalog currently records 2 separate direct deposits of $500 or more each within 75 days. Confirm the bank's exact definition before applying.
When should the Capital One bonus post?
The tracked estimate is about 135 days after you satisfy the requirements.
Open a new 360 Checking account with promo code OFFER300 and complete requirements within 75 days.
Fees
Monthly Fee$0
No monthly fee and no minimum balance requirement.
ChexSystems & Credit Pull
Chex SensitivityLow
Hard PullNo
Soft PullYes
Capital One primarily uses Early Warning Services (EWS); generally less ChexSystems-sensitive.
Eligibility
AvailabilityNationwide
Lifetime LimitNo
You are not eligible if you have or had an open Capital One 360 Checking, Simply Checking or Total Control Checking account, as a primary or secondary account holder, on or after January 1, 2024. Only one promotional code is accepted per account and the bonus is valid for one new 360 Checking account.
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.
