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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
665,675 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
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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+810
665,675 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.

2,249 Comments

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Featured Comments

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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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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> bubble2 9,649 Posts
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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...😉🤭
2
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Last edited by Tnyc November 14, 2020 at 06:04 AM.
Joined Dec 2017
L5: Journeyman
> bubble2 725 Posts
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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
Reply
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.
2
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Joined Mar 2007
Straight Cadillac Pimpin
> bubble2 2,013 Posts
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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?
Reply
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.
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?
Reply

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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?
Reply
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...
Reply
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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.
Reply
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