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

$400 Bonus
(New Checking Account Holders)
+810 Deal Score
666,284 Views
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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Edited November 13, 2020 at 05:03 PM by
in Finance (3) Capital One Small Business Cards
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Deal
Score
+810
666,284 Views
$400 Bonus
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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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
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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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Joined Aug 2009
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dcguy703
11-14-2020 at 05:47 AM.
11-14-2020 at 05:47 AM.
Quote from arooni :
if I have one captial one credit card with no other services do I qualify for this ? Many thanks !!
Dude read the details...only people that are ineligible are....."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". Since cap one credit cards or savings accts is not mentioned that means you qualify
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Joined Apr 2006
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Tnyc
11-14-2020 at 05:49 AM.
11-14-2020 at 05:49 AM.
Quote from NewBuy_Slick :
is there any credit pull ? if yes then is it Hard pull or Soft ?
I ask her that every night...😉🤭
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Last edited by Tnyc November 14, 2020 at 06:04 AM.
Joined Dec 2017
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Atnguy10
11-14-2020 at 06:06 AM.
11-14-2020 at 06:06 AM.
Quote from eko427 :
I'm assuming a transfer from my current bank wouldn't qualify as a direct deposit?

I think it has to be your income.
1
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Joined Sep 2007
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happyusmle
11-14-2020 at 06:15 AM.
11-14-2020 at 06:15 AM.
thanks
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Joined Oct 2010
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euuser1050141
11-14-2020 at 06:25 AM.

Our community has rated this post as helpful. If you agree, why not thank euuser1050141

11-14-2020 at 06:25 AM.
I just spoke to someone on the phone from C1 - they said 2 transfer from an outside bank totaling 1,000 will qualify. I then read the fine print again and it states

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.

So, I believe a transfer from another bank qualifies because it is ACH credit of an outside institution.
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Joined Mar 2007
Straight Cadillac Pimpin
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swantz1984
11-14-2020 at 06:44 AM.
11-14-2020 at 06:44 AM.
Would a transfer from my 360 savings or BOA checking work?
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Joined Mar 2007
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swantz1984
11-14-2020 at 06:44 AM.
11-14-2020 at 06:44 AM.
Quote from Cun0144 :
I just spoke to someone on the phone from C1 - they said 2 transfer from an outside bank totaling 1,000 will qualify. I then read the fine print again and it states

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.

So, I believe a transfer from another bank qualifies because it is ACH credit of an outside institution.
So BOA transfer would work?
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Joined Oct 2007
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itengineer
11-14-2020 at 06:51 AM.
11-14-2020 at 06:51 AM.
Is everyone opening it online?
Or calling the 800 number and having the agent open?
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Joined Jul 2007
L7: Teacher
> bubble2 2,341 Posts
eko427
11-14-2020 at 07:09 AM.
11-14-2020 at 07:09 AM.
Quote from Cun0144 :
I just spoke to someone on the phone from C1 - they said 2 transfer from an outside bank totaling 1,000 will qualify. I then read the fine print again and it states

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.

So, I believe a transfer from another bank qualifies because it is ACH credit of an outside institution.
According to this link, not all transfers work:

https://www.doctorofcredit.com/kn...al_One_360
2
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Joined Nov 2011
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> bubble2 220 Posts
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debpal
11-14-2020 at 07:12 AM.
11-14-2020 at 07:12 AM.
Quote from itengineer :
Is everyone opening it online?
Or calling the 800 number and having the agent open?
I open online few min back...At last page you can see BONUS400 message ...Also I confirmed from CC of C1 , and they told it has to be from tax,payroll and SS deposit and no paypal or other bank account will be considered....Hope this helps !!
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mojohnnybravo
11-14-2020 at 07:13 AM.
11-14-2020 at 07:13 AM.
Quote from CoralApple8830 :
Thanks, signed up. Slightly off topic, but I had a 360 Money Market account previously already which I just checked when I signed up for this; it was supposed to be earning a 2% interest rate when I signed up in 2018, it's now earning a .4% rate. I understand it's a variable rate, but seriously no notification or anything at all that they changed this rate (I believe as of earlier this year)? Feel slightly cheated, and will most likely be closing the money market account out of spite.
uhm thats what all banks do and ive multiple high int savings including capital and none gave such notification. you are seriously naive if u actually thought your savings rate wouldve stayed the same when fed rate is effectively 0, in a non interest locked account.
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Joined Nov 2011
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debpal
11-14-2020 at 07:16 AM.
11-14-2020 at 07:16 AM.
Quote from dcguy703 :
Don't recall seeing the message pop up for promo code applied. Can anyone else confirm this?
Hope these screenshots helps...
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nilbatey
11-14-2020 at 07:19 AM.

Our community has rated this post as helpful. If you agree, why not thank nilbatey

11-14-2020 at 07:19 AM.
for those who have question am trying to compile answers

**NO hard pull
** two deposit totaling 1000 or more for example 100+900 or 500 + 600 or 50 + 1000 any combo will trigger
** you are eligible for a bonus if you don't have a 360 checking account with them since Jan 2018
** fo November open account bonus will be posted by March 2021
** some banks ACH push count as DD ( YMMV as data varies )
** no household limit.
** MUSt enter promo code manually BONUS400 on External account link page
** no minimum balance req
** no maintenance fees
let me know if missing something
2
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Last edited by nilbatey November 14, 2020 at 10:57 AM.
Joined Aug 2009
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dcguy703
11-14-2020 at 07:20 AM.
11-14-2020 at 07:20 AM.
Quote from nilbatey :
for those who have question am trying to compile answers

**NO hard pull
** two deposit totaling 1000 or more for example 100+900 or 500 + 600 or 50 + 1000 any combo will trigger
** you are eligible for a bonus if you don't have an account with them since Jan 2018
** fo November open account bonus will be posted by March 2021
** some banks ACH push count as DD ( YMMV as data varies )
** no household limit.
** MUSt enter promo code manually BONUS400 on External account link page
** no minimum balance req
** no maintenance fees
let me know if missing something
Correction: ** you are eligible for a bonus if you don't have an 360 checking account with them since Jan 2018
1
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Joined Jun 2016
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GennarioV
11-14-2020 at 07:20 AM.
11-14-2020 at 07:20 AM.
I love mine, anyone know of deals they do for existing customers? Feel like customer loyalty isn't worth it anymore.
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