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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
665,634 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
665,634 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 Dec 2015
L3: Novice
> bubble2 173 Posts
71 Reputation
XianL4749
11-14-2020 at 01:06 PM.
11-14-2020 at 01:06 PM.
Free money, why not?!
Reply
Joined Feb 2009
L8: Grand Teacher
> bubble2 3,474 Posts
265 Reputation
sdaddict001
11-14-2020 at 01:07 PM.
11-14-2020 at 01:07 PM.
You made my day OP!! Awesome deal!! Thank you!
Reply
Joined Feb 2010
L4: Apprentice
> bubble2 306 Posts
315 Reputation
l0stnyc
11-14-2020 at 01:08 PM.
11-14-2020 at 01:08 PM.
Quote from passive101 :
What is DOC?
https://www.doctorofcredit.com/kn...al_One_360
Reply
Joined Feb 2015
L1337: Deal Sniper
> bubble2 2,244 Posts
533 Reputation
Nytron
11-14-2020 at 01:13 PM.
11-14-2020 at 01:13 PM.
Quote from Nytron :
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.
FYI: I tried verifying via my expired driver's license and passport, and a valid fishing license (lol). This predictably didn't work via mobile verification. So I was able to call up their customer service and have them do something behind the scenes to workaround this issue. They instructed me to then sign up again and it wouldn't ask for verification. This ended up working, after I finished making the account it didn't ask for verification at the end like the first time. I was able to sign up and then immediately finish creating the account.

So I think they literally accepted me taking a photo of my fishing license in printable PDF format, lol.
1
Reply
Last edited by Nytron November 14, 2020 at 01:47 PM.
Joined Nov 2015
New User
> bubble2 4 Posts
10 Reputation
NANOBANANOBOT
11-14-2020 at 01:15 PM.
11-14-2020 at 01:15 PM.
Do you need to keep over $1000 in the account until the time that the $400 bonus is paid out?
Reply
Joined Jan 2013
.
> bubble2 546 Posts
128 Reputation
hello3232
11-14-2020 at 01:16 PM.
11-14-2020 at 01:16 PM.
Quote from kekeke :
Right but I don't think you have to report it the sum is over $500 right?
If a bank issues you a 1099-INT, they also sent a copy to the IRS. I don't see any indication that you don't have to include it on your taxes

https://www.irs.gov/instructions/i1099int
Reply
Joined Sep 2016
L5: Journeyman
> bubble2 743 Posts
137 Reputation
Nimsiv
11-14-2020 at 01:21 PM.
11-14-2020 at 01:21 PM.
Quote from IndigoMass :
This is coming from https://www.doctorofcredit.com/kn...-deposits/
Not stating it works or not, just quick research brought me to this site. If you locate the Capital One 360 plan listed alphabetically it states:
The following count as a direct deposit:
Alliant
ACH
Ally:
Charles Schwab
Clearview
Discover
Cash back redemption:
Savings:
e trade:
Fidelity: (CMA)Fifth Third
First Tennessee
Goldman Sachs
ING Direct/Capital One 360
PNC:
Robinhood
TD Ameritrade
Wells Fargo
Vanguard
The following didn't work:
Ally
Chase
Discover
Elements
Santander
Stripe
TIAA Direct
Wells Fargo
USAA

You got discover as both worked and didn't work.
Reply

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Joined Sep 2015
L3: Novice
> bubble2 171 Posts
18 Reputation
sbimos
11-14-2020 at 01:21 PM.
11-14-2020 at 01:21 PM.
Quote from IndigoMass :
This is coming from https://www.doctorofcredit.com/kn...-deposits/
Not stating it works or not, just quick research brought me to this site. If you locate the Capital One 360 plan listed alphabetically it states:
The following count as a direct deposit:
Alliant
ACH
Ally:
Charles Schwab
Clearview
Discover
Cash back redemption:
Savings:
e trade:
Fidelity: (CMA)Fifth Third
First Tennessee
Goldman Sachs
ING Direct/Capital One 360
PNC:
Robinhood
TD Ameritrade
Wells Fargo
Vanguard
The following didn't work:
Ally
Chase
Discover
Elements
Santander
Stripe
TIAA Direct
Wells Fargo
USAA

Your info is incomplete. Check your source again and scroll down to the C O 360 section and actually read it. There are details per some items.

Just trying to keep someone from getting bitten.
Reply
Last edited by sbimos November 14, 2020 at 01:35 PM.
Joined Nov 2008
L3: Novice
> bubble2 1,449 Posts
288 Reputation
bizreporter
11-14-2020 at 01:23 PM.
11-14-2020 at 01:23 PM.
Quote from dcguy703 :
Seems Too good to be true. $400 is a lot of bonus for not maintaining high balance in acct or a high directly deposits each month

Not really, I got $500 from Santander last month. It was targeted to select customers.
Reply
Joined Jun 2019
L2: Beginner
> bubble2 2,116 Posts
467 Reputation
Fanime
11-14-2020 at 01:24 PM.
11-14-2020 at 01:24 PM.
Quote from kekeke :
Right but I don't think you have to report it the sum is over $500 right?
You're supposed to report any amount, but you for sure have to report any amount if they issue a 1099. Many institutions will issue 1099s for these bonuses even if they are under $600 as 1099-INT or 1099-MISC.
Reply
Joined Oct 2017
L4: Apprentice
> bubble2 302 Posts
245 Reputation
Warriorsfan89
11-14-2020 at 01:25 PM.
11-14-2020 at 01:25 PM.
Quote from sbimos :
Your info is off. Check your source again and scroll down to the C O 360 section and actually read it.

sample proof: you have discover in BOTH sections.
because Discover in fact WORKED and NOT WORKED,

in fact most of these DP (data points) are YMMV. Most common ones like Paypal, WF, and Chase surely dont work.
Reply
Joined Jun 2006
L3: Novice
> bubble2 179 Posts
42 Reputation
RavenSpyD50
11-14-2020 at 01:25 PM.
11-14-2020 at 01:25 PM.
Quote from sbimos :
Your info is off. Check your source again and scroll down to the C O 360 section and actually read it.

sample proof: you have discover in BOTH sections.
Correct, because there's a data point for each. That's how data points work, sometimes it's not consistent.
1
Reply
Joined Oct 2013
New User
> bubble2 4 Posts
10 Reputation
IndigoMass
11-14-2020 at 01:26 PM.
11-14-2020 at 01:26 PM.
Quote from sbimos :
Your info is off. Check your source again and scroll down to the C O 360 section and actually read it.

sample proof: you have discover in BOTH sections.
I see, it kept the same info in there as the slashed out on the list via copy and paste. But again I did mention the source and if YOU read it, you'd see that. Applause
The same information minus Discover and Wells Fargo as working (apparently they do not) is what the source states as correct.
1
Reply
Joined Feb 2007
Future Mod-Erator
> bubble2 2,875 Posts
1,065 Reputation
Hardwyre
11-14-2020 at 01:26 PM.
11-14-2020 at 01:26 PM.
Anyone know if Venmo transfers show up as ACH? Hell, if I can do that, I'll play this game for free money.
Reply

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Joined Jul 2012
L5: Journeyman
> bubble2 632 Posts
252 Reputation
peopleknowme
11-14-2020 at 01:27 PM.
11-14-2020 at 01:27 PM.
No way for current 360 customers to take advantage of this offer right?
1
Reply
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