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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
665,699 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

Original Post

Written by
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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Score
+810
665,699 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 Feb 2006
L4: Apprentice
> bubble2 447 Posts
169 Reputation
ebear
11-14-2020 at 08:49 AM.
11-14-2020 at 08:49 AM.
Quote from kstar1990 :
ack, I did the same thing.... They are tricky...
Ah, we are on same boat then. It seems they made that on purpose. Remember I clicked "I will fund later" and it went to new account number page directly. Don't know if the add promo code only showing when you choose funding during the application.

When I called, they told me to meet the requirement first, and call back on or after Feb 2nd, 2021. They need manually review account and add offer possibly. Not sure if we will still get it in the end. If not, really not worth the trouble. Hope we are not wasting time with nothing.
Reply
Last edited by ebear November 14, 2020 at 08:59 AM.
Joined Jul 2020
L1: Learner
> bubble2 23 Posts
FaithfulHarrier714
11-14-2020 at 08:54 AM.
11-14-2020 at 08:54 AM.
Does unemployment checks satisfy the $1,000?
Reply
Joined Feb 2011
L10: Grand Master
> bubble2 11,650 Posts
1,689 Reputation
mojohnnybravo
11-14-2020 at 09:00 AM.
11-14-2020 at 09:00 AM.
Quote from GennarioV :
I love mine, anyone know of deals they do for existing customers? Feel like customer loyalty isn't worth it anymore.
no banks ever (almost) do such promos for existing holders. same thing with CC. capitalone did an odd exception last year for existing customers for their savings but those are really really rare. it is normal and nothing weird about it. customer loyalty is also a load of crap because no one today seriously stick with a bank out of loyalty. people are seriously lying if they say they do. its either because they are lazy or happy with what theyre getting. its all business on both ends
Reply
Joined Aug 2009
L6: Expert
> bubble2 1,622 Posts
164 Reputation
dcguy703
11-14-2020 at 09:08 AM.
11-14-2020 at 09:08 AM.
Quote from FaithfulHarrier714 :
Does unemployment checks satisfy the $1,000?
If they are direct deposited then yes. If you deposit the physical checks then no
Reply
Joined Dec 2012
L5: Journeyman
> bubble2 731 Posts
146 Reputation
itsfighter
11-14-2020 at 09:15 AM.

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

11-14-2020 at 09:15 AM.
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
4
Reply
Last edited by itsfighter November 14, 2020 at 09:28 AM.
Joined Sep 2019
New User
> bubble2 1 Posts
10 Reputation
kk97831
11-14-2020 at 09:42 AM.
11-14-2020 at 09:42 AM.
How can I check if the promo code was applied?
Reply
Joined Oct 2005
SD Forever...
> bubble2 4,608 Posts
361 Reputation
Elpee
11-14-2020 at 09:45 AM.
11-14-2020 at 09:45 AM.
Quick questions:
1. I currently have a normal Cap One (not 360) checking acc as secondary that opened for years. Am I eligible this one for a bonus? Still confused.
2. I every month send checks from the above checking acc to pay my bills. Once I open this 360 checking, will they send me checkbooks for free (as Bank of America does) or I have to order checkbooks?
Thanks for your prompt replies.
Reply

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Joined Nov 2015
L2: Beginner
> bubble2 83 Posts
22 Reputation
bmh22slk
11-14-2020 at 09:47 AM.
11-14-2020 at 09:47 AM.
Quote from itsfighter :
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
This is very helpful, esp with the screenshots. Thank you!
Reply
Joined Nov 2010
L4: Apprentice
> bubble2 346 Posts
298 Reputation
dyerk18
11-14-2020 at 09:53 AM.
11-14-2020 at 09:53 AM.
Anyone confirm that Ally bank transfer count? Successfully signed up
Reply
Joined Nov 2010
L4: Apprentice
> bubble2 346 Posts
298 Reputation
dyerk18
11-14-2020 at 09:57 AM.
11-14-2020 at 09:57 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
How long does the money have to stay in your account?
Reply
Joined Nov 2010
L4: Apprentice
> bubble2 346 Posts
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dyerk18
11-14-2020 at 09:58 AM.
11-14-2020 at 09:58 AM.
Quote from arooni :
if I have one captial one credit card with no other services do I qualify for this ? Many thanks !!
Yes. I have the quicksilver and it worked fine
Reply
Joined May 2006
L7: Teacher
> bubble2 3,015 Posts
410 Reputation
CreepyLilBeast
11-14-2020 at 10:00 AM.
11-14-2020 at 10:00 AM.
is there a requirement for how much we need to do as initial transfer when setting up the account?
Reply
Joined Nov 2010
L4: Apprentice
> bubble2 346 Posts
298 Reputation
dyerk18
11-14-2020 at 10:10 AM.
11-14-2020 at 10:10 AM.
Quote from stubbornboy :
is there a requirement for how much we need to do as initial transfer when setting up the account?
No. The rep said you don't even need to transfer initially as long as it's within 60 days
Reply
Joined Feb 2010
L4: Apprentice
> bubble2 306 Posts
315 Reputation
l0stnyc
11-14-2020 at 10:14 AM.
11-14-2020 at 10:14 AM.
Quote from Elpee :
Quick questions:
1. I currently have a normal Cap One (not 360) checking acc as secondary that opened for years. Am I eligible this one for a bonus? Still confused.
2. I every month send checks from the above checking acc to pay my bills. Once I open this 360 checking, will they send me checkbooks for free (as Bank of America does) or I have to order checkbooks?
Thanks for your prompt replies.
1. Yes
2. They do not automatically send you a checkbook. You can however order your first set of checks free under account services.
Reply

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Joined May 2006
L7: Teacher
> bubble2 3,015 Posts
410 Reputation
CreepyLilBeast
11-14-2020 at 10:16 AM.
11-14-2020 at 10:16 AM.
Quote from dyerk18 :
No. The rep said you don't even need to transfer initially as long as it's within 60 days
But if we need to get the bonus noted on the account, we have to do a transfer, right? Because that page is what has bonus code
Reply
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