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Capital One: Open a 360 Checking Account, Receive 2+ Direct Deposits $1000+

$400 Bonus
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Capital One Offers New 360 Checking Account Holders: $400 Bonus when you Open a 360 Checking Account by January 26, 2021, apply promo code BONUS400 and Receive 2 Direct Deposits totaling $1,000 or more within 60 days of account opening. Thanks karthik_r
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  • If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after January 1, 2018, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.
  • When to expect Bonus
    • If you open Account November 2020 and receive Direct deposit within 60 days of opening, you will receive bonus by March 31, 2021.
    • If you open Account December 2020 and receive Direct deposit within 60 days of opening, you will receive bonus by April 30, 2021.
    • If you open Account January 2021 and receive Direct deposit within 60 days of opening, you will receive bonus by May 31, 2021.

Original Post

Written by
Edited November 13, 2020 at 06:03 PM by
Capital One is offering $400 bonus when you open a new checking account with promo code BONUS400

To receive the bonus you must make at least 2 direct deposits totaling $1,000 or more to your 360 Checking account within 60 days of account opening

Full Details:

Capital One reserves the right to withdraw this offer, with or without notice, in its sole discretion if it is determined that fraud or any other factor beyond its control is impacting the integrity of the offer and campaign.

Here's the full scoop on how to earn your $400 bonus:
  1. Open a 360 Checking account between 12:00 a.m. ET on November 9, 2020, and 11:59 p.m. ET on January 26, 2021. When you open your account, enter your promotional code—BONUS400.
  2. Receive at least 2 direct deposits totaling $1,000 or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House (ACH) credit, which may include payroll, pension or government payments (such as Social Security) by your employer or an outside institution.
  3. This account is subject to approval. This offer cannot be combined with any other 360 Checking account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Checking account.
Mobile deposits are available only in the U.S. and U.S. territories.

When will I get my bonus?

Your bonus will be deposited into your new 360 Checking account by the date stated below:

Account opened the month of November 2020
Receive at least 2 direct deposits totaling $1,000 or more Within 60 days of your account opening date
Bonus will be paid by March 31, 2021

Account opened the month of December 2020
Receive at least 2 direct deposits totaling $1,000 or more Within 60 days of your account opening date
Bonus will be paid by April 30, 2021

Account opened the month of January 2021
Receive at least 2 direct deposits totaling $1,000 or more Within 60 days of your account opening date
Bonus will be paid by May 31, 2021

If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after January 1, 2018, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.

What you need to know about the 360 Checking account:

A rate of 0.10% Annual Percentage Yield (APY) applies to accounts with balances between $0-$49,999.99, $50,000-$99,999.99, and $100,000 or more. 360 Checking is a tiered-rate account. Advertised rates are variable and effective as of 11/13/2020. Rates in any tier are subject to change at any time before or after account opening.

The interest is calculated on a daily basis and is based on the balance in the account. Interest on your account will be compounded and credited on a monthly basis.

360 Checking customers can access over 40,000 fee-free ATMS (41,394 AllPoint® ATMs and 2,206 Capital One ATMs). ATM functionality may differ by location.

Mobile deposits are available only in the U.S. and U.S. territories.
The Capital One Mobile app has a 4.8/5-star customer rating on the App Store and is in the top 10% in the Finance App category as of 8/24/2020.
The Capital One Mobile app has a 4.6/5-star customer rating on Google Play and is in the top 10% in the Finance App category as of 8/24/2020.Web access is needed to use mobile banking. Check with your service provider for details of specific fees and charges.
The site may be unavailable during normal maintenance or due to unforeseen circumstances.Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed above are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.Products and services offered by Capital One, N.A., Member FDIC.
© 2020 Capital One. Capital One is a federally registered service mark. 15000 Capital One Drive, Attn.: 12038-0111, Richmond, Virginia 23238. To contact us by mail, please use the following address: Capital One 360, P.O. Box 360, Wilmington, DE 19899.

https://www.capitalone.com/bonus400/
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Created 11-13-2020 at 03:43 PM by karthik_r
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Questions & Answers BETA
BhargavaRam asked this question on 2020-11-21 19:01 PM
2020-11-23 21:24 PM
i didnt get any hard pull
2020-11-25 11:56 AM
No hard pull.
2020-11-28 11:54 AM
IMHO, did not see a Need for a Hard Credit Pull anywhere during Application process.
aszeftel asked this question on 2020-11-25 11:02 AM

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Just opened it. I can see why people missing the bonus code, it's on the external transfer account page instead of the main page. so whether you plan to add a bank account to not just visit the page and make sure the code is auto-populated if not enter/copy-paste manually. you should see a banner on the final page if code is entered. Btw I already have a capital one account so I didn't receive any alert from credit monitoring that inquiry was posted or there was a hard pull. Most of my information was auto-filled and when I clicked next it displayed - doing necessary checks, doing govt mandated checks, and verifying records and finally displayed - good to go. Thanks
Nope. When you click I will fund later, you can still see the code applied and it gives a green tick mark. Also, you can see later pages showing that.


And just to confirm, I had called the CSR after opening the account and they had confirmed that I used the promo code.

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#4
Annual fee?
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#5
Quote from Mongooste
:
Annual fee?
No monthly or maintenance fees to open, keep & use

https://www.capitalone.com/bank/c...g-account/

https://www.capitalone.com/assets...ng-pew.pdf
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Last edited by karthik_r November 13, 2020 at 03:59 PM.
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#6
How can I check when I last had capital one bank account?
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#7
How long do I need to keep the account open...until I get my bonus only or 6 months / 1 year ?
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#8
I'm assuming a transfer from my current bank wouldn't qualify as a direct deposit?
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#9
Will a $1000 ACH push from my credit union trigger the bonus?
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Quote from SonofZeus
:
Will a $1000 ACH push from my credit union trigger the bonus?
https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Capital_One_360
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#12
Quote from ndkn
:
How can I check when I last had capital one bank account?
same question. I belive it used to be lifetime (i had ING account)

If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after January 1, 2018,
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#13
Seems Too good to be true. $400 is a lot of bonus for not maintaining high balance in acct or a high directly deposits each month
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Quote from bocil
:
https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Capital_One_360

Interesting. So a PayPal transfer shows up as "ACH". You're telling me I can PayPal myself two separate $1k transactions to earn the $400?
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#15
do i need to unfreeze my credit to open an account
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