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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
665,862 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
665,862 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 2010
L3: Novice
> bubble2 161 Posts
39 Reputation
stevenshepherd
11-14-2020 at 12:40 PM.
11-14-2020 at 12:40 PM.
Thanks, been looking to dump PNC. This was what I needed Smilie
Reply
Joined Aug 2010
Metal Gigantuar
> bubble2 1,970 Posts
547 Reputation
Debit2Cash
11-14-2020 at 12:40 PM.
11-14-2020 at 12:40 PM.
Is there a credit check to open the account?
Reply
Joined Apr 2015
L6: Expert
> bubble2 1,688 Posts
100 Reputation
passive101
11-14-2020 at 12:41 PM.
11-14-2020 at 12:41 PM.
Can I transfer $1000 from an ally savings or checking account to get this?
Reply
Joined Jun 2018
L6: Expert
> bubble2 1,261 Posts
4,013 Reputation
Original Poster
karthik_r
11-14-2020 at 12:43 PM.
11-14-2020 at 12:43 PM.
Quote from PoLusImo :
What screen you'd need to enter the promo code?
The promo was auto applied for me
Reply
Joined Sep 2016
L5: Journeyman
> bubble2 743 Posts
137 Reputation
Nimsiv
11-14-2020 at 12:45 PM.
11-14-2020 at 12:45 PM.
Just registered. So just to be clear, these ACH methods are accepted for the transfers right?

All 1-3 days transfers from PayPal, Cashapp, ApplePay and other external transfers.
Reply
Joined Dec 2007
L4: Apprentice
> bubble2 359 Posts
103 Reputation
sidharth17
11-14-2020 at 12:46 PM.
11-14-2020 at 12:46 PM.
$400 would be taxable at all levels.
Reply
Joined Sep 2012
L4: Apprentice
> bubble2 474 Posts
38 Reputation
kekeke
11-14-2020 at 12:46 PM.
11-14-2020 at 12:46 PM.
If wife and I open one each, isn't this bonus suddenly taxable after $500/ year?
Reply

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Joined Nov 2005
L3: Novice
> bubble2 103 Posts
17 Reputation
wozz
11-14-2020 at 12:48 PM.
11-14-2020 at 12:48 PM.
I opened up "Capital One 360 for the minor" for my son in 2018 as a parent (Joint account with my son) Am I eligible for this offer?
Reply
Joined Jun 2020
New User
> bubble2 2 Posts
10 Reputation
CleverBoundary2575
11-14-2020 at 12:48 PM.
11-14-2020 at 12:48 PM.
Question...I just signed closing papers for a cash out refinance on my home Wednesday night. Mortgage broker said the loan will fund Monday and I will receive my money no later than Tuesday. Is there any reason that opening a new checking account at this stage can affect anything in regards to the refinance? I'm assuming not since it's just a checking account, not a credit card. But I don't want to take a chance if this could be a red flag causing the lender to pull out at the last minute.
Reply
Joined Jan 2013
.
> bubble2 546 Posts
128 Reputation
hello3232
11-14-2020 at 12:50 PM.
11-14-2020 at 12:50 PM.
Quote from kekeke :
If wife and I open one each, isn't this bonus suddenly taxable after $500/ year?
Most banks will send a 1099 for offers more than $10
Reply
Joined Nov 2008
L10: Grand Master
> bubble2 8,102 Posts
607 Reputation
dtmamg
11-14-2020 at 12:51 PM.
11-14-2020 at 12:51 PM.
Quote from Debit2Cash :
Is there a credit check to open the account?
soft hit, no worries
Reply
Joined Aug 2010
Metal Gigantuar
> bubble2 1,970 Posts
547 Reputation
Debit2Cash
11-14-2020 at 12:51 PM.
11-14-2020 at 12:51 PM.
Quote from CleverBoundary2575 :
Question...I just signed closing papers for a cash out refinance on my home Wednesday night. Mortgage broker said the loan will fund Monday and I will receive my money no later than Tuesday. Is there any reason that opening a new checking account at this stage can affect anything in regards to the refinance? I'm assuming not since it's just a checking account, not a credit card. But I don't want to take a chance if this could be a red flag causing the lender to pull out at the last minute.
It seems like the deal is through January. Capital one triple pulls for credit cards. If your are in the middle of a refi and literally about to fund, I honestly wouldn't take the chance.
Reply
Joined Sep 2012
L4: Apprentice
> bubble2 474 Posts
38 Reputation
kekeke
11-14-2020 at 12:51 PM.
11-14-2020 at 12:51 PM.
Quote from hello3232 :
Most banks will send a 1099 for offers more than $10

Right but I don't think you have to report it the sum is over $500 right?
Reply
Joined Nov 2008
L10: Grand Master
> bubble2 8,102 Posts
607 Reputation
dtmamg
11-14-2020 at 12:52 PM.
11-14-2020 at 12:52 PM.
Quote from kekeke :
If wife and I open one each, isn't this bonus suddenly taxable after $500/ year?
interest income > $10 yes, I still consider this free money,
Reply

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Joined Nov 2019
L2: Beginner
> bubble2 96 Posts
22 Reputation
Chewbaccian
11-14-2020 at 12:52 PM.
11-14-2020 at 12:52 PM.
Quote from ultra-smooth :
Yes you would need to unfreeze to open

My credit is frozen at all three bureaus and I did not unfreeze to open an account.
Reply
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