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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
666,003 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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$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 Sep 2009
L7: Teacher
> bubble2 2,441 Posts
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PoLusImo
11-14-2020 at 12:09 PM.
11-14-2020 at 12:09 PM.
Every Capital One branch is Capital One 360 branch. Capital One 360 accounts are no longer online only accounts.
Quote from ibrow :
They really don't have branches. Also no ATM fees and they have ATM's in most targets in my area.
Reply
Joined Oct 2015
L5: Journeyman
> bubble2 788 Posts
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bosoxx091
11-14-2020 at 12:09 PM.
11-14-2020 at 12:09 PM.
What number did you guys call to confirm the promo worked?
Reply
Joined Jul 2015
L10: Grand Master
> bubble2 152 Posts
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amigos007
11-14-2020 at 12:09 PM.
11-14-2020 at 12:09 PM.
Quote from coffeeguy7 :
This is an awesome deal! Shit I did the $100 bonus one, I wish I could have gone with this deal 🤦 ♂️

Same here.. 🤦 ♂️
Reply
Joined Nov 2006
L10: Grand Master
> bubble2 12,629 Posts
1,057 Reputation
poohbie
11-14-2020 at 12:10 PM.
11-14-2020 at 12:10 PM.
Quote from xxqtony :
That's a good news. Thanks!
I'll check the eligibility with C1 next week to confirm, because I see this online:

INGOrange
360 CHECKING...1234
VIEW DETAILS
Oooh, that throws a wrench into things. I thought you had to specifically convert it into a 360 Checking account if you had an original ING Orange account. Will be interesting to hear what C1 has to say about that.
Reply
Joined Dec 2018
L2: Beginner
> bubble2 75 Posts
38 Reputation
ultra-smooth
11-14-2020 at 12:13 PM.
11-14-2020 at 12:13 PM.
Quote from passive101 :
You use the credit bureaus website or phone number and enter the numbers they gave you.
All 3 major bureaus have a "unfreeze" button or link on their sites. You can even select a time frame to unfreeze.
Reply
Joined Oct 2015
Level 7 Susceptible
> bubble2 1,730 Posts
1,396 Reputation
egorre
11-14-2020 at 12:13 PM.
11-14-2020 at 12:13 PM.
Quote from karthik_r :
It should be above "What's Next" and not under.
Attachment 9588578
https://i.imgur.com/zcyVygy.jpg

We have different confirmation screens. you probably did the i'll fund it later. i funded mine directly.
Reply
Joined Nov 2019
L2: Beginner
> bubble2 96 Posts
22 Reputation
Chewbaccian
11-14-2020 at 12:15 PM.
11-14-2020 at 12:15 PM.
List of methods considered ACH by various banks. Scroll down for Capital One 360. https://www.doctorofcredit.com/kn...-deposits/
Reply

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Joined Jun 2018
L6: Expert
> bubble2 1,261 Posts
4,013 Reputation
Original Poster
karthik_r
11-14-2020 at 12:16 PM.
11-14-2020 at 12:16 PM.
Quote from egorre :
https://i.imgur.com/zcyVygy.jpg

We have different confirmation screens. you probably did the i'll fund it later. i funded mine directly.
Both should be good I guess. I confirmed mine with CSR for the promo code two times (yesterday and today). The CSR told details about my new account and confirmed that it was open with the bonus promo.
Reply
Joined Oct 2015
L3: Novice
> bubble2 106 Posts
26 Reputation
ankhang0920
11-14-2020 at 12:19 PM.
11-14-2020 at 12:19 PM.
Anyone know does paypal transfer count as direct deposit ? I did it last time with WF bonus and it work for me, not sure about this time
Reply
Joined Dec 2018
L2: Beginner
> bubble2 75 Posts
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ultra-smooth
11-14-2020 at 12:19 PM.
11-14-2020 at 12:19 PM.
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.
I think that how it is on most if not all online savings accounts. Since the rates having dropped so much after the feds lowered interest rates. I have both a Capital One and Discover and never get notified on rate drops.
Reply
Joined Dec 2007
ALBERTSVOICE TECH
> bubble2 2,752 Posts
471 Reputation
tipstir
11-14-2020 at 12:20 PM.
11-14-2020 at 12:20 PM.
Well this sounds interesting I know they had opening up for checking account for $100 so if I open up the checking account do I still get the $100 and I get this $400 that will be $500 wouldn't it?
2
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Joined Dec 2007
ALBERTSVOICE TECH
> bubble2 2,752 Posts
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tipstir
11-14-2020 at 12:21 PM.
11-14-2020 at 12:21 PM.
Should I throw a thousand in there what the hell before hundred bucks back that's better than what I'm getting now?
Reply
Joined Jul 2005
L3: Novice
> bubble2 136 Posts
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sabester24
11-14-2020 at 12:21 PM.
11-14-2020 at 12:21 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.
After looking again, I do see that it opened up two accounts. Was able to apply the promo code to the 2nd account, so yeah, not sure if that screwed up my eligibility.
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Joined Aug 2011
L5: Journeyman
> bubble2 524 Posts
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isNormalComing
11-14-2020 at 12:22 PM.
11-14-2020 at 12:22 PM.
Quote from amigos007 :
Same here.. 🤦 ♂️

Me too ugh Frown
Reply
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