Open an Rewards Online Checking Account Capital One

Opening a Rewards Online Checking Account is easy

Have the following ready for each person to be listed on the account:

Social Security number
Driver's license or state-issued identification
A checking, savings or brokerage account number and routing number (account from which to make the initial deposit)

(Note: Only one Rewards Online Checking Account per customer. Not available to business or corporate customers.)

Please confirm your five-digit zip code.*

Have an offer code?
Please enter the code here prior to starting your application.

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Click continue to start your application.

This application can always be saved, so you can leave and come back later to finish.

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Annual percentage yields (APYs) are effective as of 9/1/2010 and may change at any time.

Rewards Online Checking Accounts: You will earn 10 miles for every non-PIN purchase (when 'credit' is chosen at checkout) and 5 miles for every PIN-based purchase (when debit/PIN is chosen at checkout). You will also earn 10 miles for every electronic bill payment transaction via Online Bill Pay and recurring pre-authorized payment (up to 10 transactions per month), and 5 miles for all other customer initiated withdrawal transactions (up to 10 transactions per month). Rewards do not accumulate for fees or special usage charges of any kind. Miles will be applied to your rewards balance on a monthly basis within 60 days after the end of each month. Limit one consumer Rewards checking account per customer. Capital One has the right to change or cancel this rewards program at any time. 0.05% APY applies to account balances of $0.01 or more. Rates are variable and may change at any time. Minimum initial deposit amount is $1. This checking product is an online product and cannot be serviced in Capital One Bank branches. Terms and conditions of this offer may change at any time. Rate disclosure
Account Opening Bonus: You will receive a one-time bonus of 1,000 miles when the account is opened and the first transaction posts to your checking account. This bonus will be applied to your rewards balance within 60 days of the transaction amount posting to the account.
Direct Deposit Bonus: You will receive a one-time bonus of 4,000 miles when the first direct deposit transaction posts to your checking account. Direct deposit must occur within 3 months of opening to qualify. This bonus will be applied to your rewards balance within 60 days of the transaction amount posting to your account.
Anniversary Bonus: You will receive an anniversary bonus of 1,000 miles on the first rewards membership anniversary with us if at least one debit card purchase transaction is made during the first membership year. Bonus will be applied to the rewards balance within 60 days of your account anniversary.
ATM Fee Reimbursement: For Capital One Interest Online Checking accounts, any fee assessed at any ATM will be reimbursed within 5 business days, up to $10 per statement period. Once this limit has been reached, all usual and customary fees apply.