Earn $250 after opening 360 Checking and receiving qualifying direct deposits.
This is a classic checking-bonus execution page: the upside is meaningful if qualifying direct deposit is easy for you and the bonus still clears fees. The model lands at about $250 net, so the decision is really about operational fit, not just the headline.
PersonalCheckingDirect deposit requiredNo state restriction listedHigh friction
Gross bonus
$250
Headline payout before any modeled fee drag.
Funding threshold
$500
$500+ qualifying direct deposit
Time to clear
~5 months
Longer runway: plan on about 135 days before the account is truly done.
Friction
High friction
Higher cash commitment, longer hold periods, or several moving parts make this a more hands-on execution play.
Direct deposit
$500+ DD
Qualifying payroll or ACH
Opening deposit
No min
No opening minimum listed
Hold period
135 days
Keep open through payout
Fee
No fee
No recurring fee modeled
Bonus ROI
50.0%
Bonus vs required funding
Execution Summary
What actually decides this offer
Primary requirement
Route $500+ in qualifying direct deposit.
Primary constraint
Keep the account open for ~5 months.
Execution model
Works best if you can route qualifying direct deposit and stay on top of the account for ~5 months.
Cash profile: Low cash drag. Hold period: 135 days.
Checklist
How to complete it cleanly
3 steps
1
At opening
Open the checking account
Save the confirmation email and a copy of the live offer terms before you begin.
2
Qualifying direct deposit of at least $500
Keep account open for 135 days
Open a new 360 Checking account using promo code CHECKING250.
Receive at least two direct deposits of at least $500 each within 75 days of opening.
During qualification window
Route qualifying direct deposit
Send at least $500 in qualifying direct deposits and verify the bank counts them correctly.
3
Through day 135
Keep the account open until the bonus is safe
Plan on about ~5 months before you consider the offer done.
Good Fit If
Who should actually do this
You can route at least $500 in qualifying direct deposit without disrupting your main bank setup.
You prefer offers that do not require a meaningful opening balance.
You can keep another checking account open for about ~5 months without needing a quick exit.
Think Twice If
Where this can get annoying
Your current direct deposit setup makes qualifying direct deposit hard to move or verify.
You prefer faster-turn bonuses instead of multi-month hold periods.
You want a near-hands-off offer with only one step to track.
Watch For
Failure points before you start
The offer depends on qualifying direct deposits totaling at least $500.
Do not treat the account as finished until roughly day 135; early closure can wipe out the payout.
Offer listed as ongoing as of March 1, 2026.
Related Offers
Other bank bonuses in the same neighborhood
TD Bank
TD Beyond Checking Bonus
Higher modeled net value with a comparable qualification profile.
If this offer is the one you want to anchor around, send it straight into the planner and let it decide whether this bank bonus should be first, deferred, or left out.
