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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
665,678 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

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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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Score
+810
665,678 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 Jul 2012
L3: Novice
> bubble2 127 Posts
135 Reputation
S.Cress
11-14-2020 at 11:32 AM.
11-14-2020 at 11:32 AM.
I love Capitol One 360 Checking as a bank account. Probably in my opinion the best option for internet banking. I have had them since 2014.
Reply
Joined Apr 2012
L3: Novice
> bubble2 128 Posts
70 Reputation
badmojo1980
11-14-2020 at 11:32 AM.
11-14-2020 at 11:32 AM.
Quote from samnping :
Does having one more account affect your credit score?
Credit score is for credit, banking uses separate system to track accounts for money laundering at worst and bonus chunning at the other end.
Reply
Joined Jul 2018
L2: Beginner
> bubble2 73 Posts
34 Reputation
FabulousPanther690
11-14-2020 at 11:33 AM.
11-14-2020 at 11:33 AM.
Quote from egorre :
at the very end when you put your routing/account number to fund it
I chose "do it later". Now I am unable to add the bonus code. Any way around this?
1
Reply
Joined Dec 2012
Check it out
> bubble2 1,480 Posts
232 Reputation
NewBuy_Slick
11-14-2020 at 11:33 AM.
11-14-2020 at 11:33 AM.
Quote from yusufates17 :
Would depositing a paycheck online work for this offer?
Quote from thepcguy2008 :
Not really because they will make more capital on your 1000 dollar deposit that you have to keep in there for a set amount of time...
we don't need to keep the $1000 in the bank. I think we can withdraw once deposited.
Reply
Joined Oct 2015
Level 7 Susceptible
> bubble2 1,730 Posts
1,396 Reputation
egorre
11-14-2020 at 11:36 AM.
11-14-2020 at 11:36 AM.
Quote from FabulousPanther690 :
I chose "do it later". Now I am unable to add the bonus code. Any way around this?
idk. you might want to call. the promo code button was in that page below the account number box. I was able to put the promo code before I added my bank numbers so I think you should have submitted the code before clicking the do it later button.
Reply
Joined Nov 2012
L6: Expert
> bubble2 1,249 Posts
98 Reputation
Tech_007
11-14-2020 at 11:38 AM.
11-14-2020 at 11:38 AM.
I have a pretty strong credit score about 818 or so and have been riding not more than 2 credit cards for over 2 decades. For last few times, I have been trying to snag these credit card deals and so applied but got denied for some cryptic reasons they sent in mail after few weeks that I couldn't understand. I consulted a friend of mine who knows more about finance and stuff and turned out they see you as 0 money making tool if you pay your bills on time. I knew how credit card co makes money but I was stunned they would deny the application just coz you are staying on top of your bill pay responsibilities.
4
Reply
Joined Jul 2018
L2: Beginner
> bubble2 73 Posts
34 Reputation
FabulousPanther690
11-14-2020 at 11:38 AM.
11-14-2020 at 11:38 AM.
Quote from egorre :
idk. you might want to call. the promo code button was in that page below the account number box. I was able to put the promo code before I added my bank numbers so I think you should have submitted the code before clicking the do it later button.
Alright so after opening account, I went to OP's link and clicked open account again. That allowed me to link an external account along with the bonus code.
1
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Joined Sep 2014
L1: Learner
> bubble2 46 Posts
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thepcguy2008
11-14-2020 at 11:40 AM.
11-14-2020 at 11:40 AM.
Quote from NewBuy_Slick :
we don't need to keep the $1000 in the bank. I think we can withdraw once deposited.

That will trigger the promo and I see no where in the wording on the website that says you cannot withdraw but it has to be payroll or direct deposit it cannot be a bank to bank xfer.
Reply
Joined Aug 2011
Banned Shill
> bubble2 629 Posts
255 Reputation
ryanmemperor
11-14-2020 at 11:41 AM.
11-14-2020 at 11:41 AM.
Annoyed I missed the promo code...found it when I went to set up Wifes account.

Is there anyway to check after account creation if the promo was applied?
Reply
Joined Jun 2011
L2: Beginner
> bubble2 63 Posts
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neo_maximus
11-14-2020 at 11:42 AM.
11-14-2020 at 11:42 AM.
Quote from asianman35 :
do i need to unfreeze my credit to open an account

No, I was approved with a credit freeze in place.
Reply
Joined Jan 2005
L9: Master
> bubble2 4,809 Posts
784 Reputation
SonofZeus
11-14-2020 at 11:43 AM.
11-14-2020 at 11:43 AM.
Instant approval.
Setup online access.
Deferred funding.
Started 2 external account link verifications.
Ordered 50 checks (free)
Visa Debit ETA 7 business days.
Reply
Joined Dec 2016
New User
> bubble2 17 Posts
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Deal_seeker_07
11-14-2020 at 11:45 AM.
11-14-2020 at 11:45 AM.
Just FYI, I did it last time had to declare the bonus in my tax returns.
Reply
Joined Mar 2015
New User
> bubble2 5 Posts
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HuyN5103
11-14-2020 at 11:45 AM.
11-14-2020 at 11:45 AM.
so they need 2k in total deposits? or at least 1k per deposit?

What if i do 4 ($500 deposits)?

EDIT

Just read that you need 2 deposits of 1k or more in total. What if i do 4 deposits to meet 1k?
Reply
Joined Jun 2011
L2: Beginner
> bubble2 63 Posts
50 Reputation
neo_maximus
11-14-2020 at 11:45 AM.
11-14-2020 at 11:45 AM.
Quote from oliviajagger :
I am assuming, I need to unlock my credit before I apply?

You don't.
Reply

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Joined Nov 2010
L9: Master
> bubble2 4,665 Posts
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APhamX
11-14-2020 at 11:48 AM.
11-14-2020 at 11:48 AM.
Does an external transfer from my bank count as a DD? E.g. Chase External transfer.
Reply
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