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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
665,823 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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+810
665,823 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 Oct 2015
Level 7 Susceptible
> bubble2 1,730 Posts
1,396 Reputation
egorre
11-14-2020 at 11:58 AM.
11-14-2020 at 11:58 AM.
Quote from bosoxx091 :
Does activation of the promo code show up anywhere in your checking account info? Is there anyway to check it's been applied without calling?
the promo code showed up on funding page and the confirmation page that you have an account. The promo details shows up under "what's next". I screenshotted mine so i have proof.
Reply
Joined Sep 2011
L4: Apprentice
> bubble2 368 Posts
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bruinfan07
11-14-2020 at 12:00 PM.
11-14-2020 at 12:00 PM.
Can I made two direct deposit payments totaling over $1k , then immediately transfer the money away and cancel the DD and still qualify for the $400?

Doesn't sound like I need to keep a $1000 balance in there.

WHat's the best phone number to call to ask about this promo?
Reply
Joined Jan 2007
L10: Grand Master
> bubble2 28,289 Posts
2,718 Reputation
cgigate
11-14-2020 at 12:01 PM.
11-14-2020 at 12:01 PM.
Quote from egorre :
does it say the type of transaction after it posts? so we know if it counts or not?

I used it to get HSBC, Wells Fargo, Chase checking account opening bonus, it shows up as external ACH transfer, all were qualified as DD, but I still need to say YMMV
Reply
Last edited by cgigate November 14, 2020 at 12:03 PM.
Joined Oct 2015
L5: Journeyman
> bubble2 788 Posts
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bosoxx091
11-14-2020 at 12:01 PM.
11-14-2020 at 12:01 PM.
Quote from egorre :
the promo code showed up on funding page and the confirmation page that you have an account. The promo details shows up under "what's next". I screenshotted mine so i have proof.
Good idea. Yeah I saw both of those pages with the details for satisfying the promo so should be good.
Reply
Joined Jul 2010
Lives for Rep!!
> bubble2 4,801 Posts
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Pro
gezzuzz
11-14-2020 at 12:02 PM.
11-14-2020 at 12:02 PM.
how do you know if your transfer counted as DD?
Reply
Joined Jan 2005
L9: Master
> bubble2 4,809 Posts
784 Reputation
SonofZeus
11-14-2020 at 12:03 PM.
11-14-2020 at 12:03 PM.
Quote from Wiredwiz26 :
You can order 50 checks free?
If you can access your account online, yes you can.
Reply
Joined Feb 2015
L1337: Deal Sniper
> bubble2 2,244 Posts
533 Reputation
Nytron
11-14-2020 at 12:04 PM.
11-14-2020 at 12:04 PM.
Anyone know a different way to verify account besides driver's license and passport? Just noticed both of mine are expired, and my statewide license website is down til next week, lol.
Reply

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Joined Dec 2018
L2: Beginner
> bubble2 75 Posts
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ultra-smooth
11-14-2020 at 12:04 PM.
11-14-2020 at 12:04 PM.
Quote from asianman35 :
do i need to unfreeze my credit to open an account
Yes you would need to unfreeze to open
2
Reply
Joined Jun 2018
L6: Expert
> bubble2 1,261 Posts
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Original Poster
karthik_r
11-14-2020 at 12:05 PM.
11-14-2020 at 12:05 PM.
Quote from egorre :
the promo code showed up on funding page and the confirmation page that you have an account. The promo details shows up under "what's next". I screenshotted mine so i have proof.
It should be above "What's Next" and not under.
Click image for larger version

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Joined Oct 2008
Professional Novice
> bubble2 11,996 Posts
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RUsum1
11-14-2020 at 12:05 PM.
11-14-2020 at 12:05 PM.
Quote from asianman35 :
do i need to unfreeze my credit to open an account
Quote from ultra-smooth :
Yes you would need to unfreeze to open
I did not have to. All three of mine have freezes.
Reply
Joined Sep 2011
L4: Apprentice
> bubble2 368 Posts
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bruinfan07
11-14-2020 at 12:06 PM.
11-14-2020 at 12:06 PM.
Quote from FabulousPanther690 :
Ugh looks like it opened two accounts for me; the one originally and one with bonus code. Wonder if I will get the bonus for the second one since the first one was opened before.
Same problem!
Reply
Joined May 2006
L5: Journeyman
> bubble2 798 Posts
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hbasavar
11-14-2020 at 12:06 PM.
11-14-2020 at 12:06 PM.
guys... I opened 2 accounts ... the process doesn't show the promo code on the ACH screen... for 1 it did. for the other it did not.... so it is intermittent. Please call in and put the comments in that you did call in and give the promo code to be entered manually, which they cannot. but at least they have a record that you did.
Reply
Joined Dec 2018
L2: Beginner
> bubble2 75 Posts
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ultra-smooth
11-14-2020 at 12:07 PM.
11-14-2020 at 12:07 PM.
Quote from itsfighter :
Thanks. I assume salary deposits (ADP) from the employer will count towards direct deposit correct? I currently use chase as my checking with 1500 min balance. This seems good with no min balance requirement.
Yes your paychecks would qualify.
Reply
Joined Sep 2011
L4: Apprentice
> bubble2 368 Posts
242 Reputation
bruinfan07
11-14-2020 at 12:08 PM.
11-14-2020 at 12:08 PM.
Quote from egorre :
the promo code showed up on funding page and the confirmation page that you have an account. The promo details shows up under "what's next". I screenshotted mine so i have proof.
Same, I emailed myself a copy of the screenshot.

I opened one account without seeing the promo code option.

Did it again and put in the promo code after looking for the option like a hawk.
Got the screenshot confirmation with the promo applied.
Reply

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Joined Dec 2012
Check it out
> bubble2 1,480 Posts
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NewBuy_Slick
11-14-2020 at 12:08 PM.
11-14-2020 at 12:08 PM.
Quote from ryanmemperor :
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?
call CC and add
Reply
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