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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
665,699 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
665,699 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 Nov 2012
L4: Apprentice
> bubble2 309 Posts
14 Reputation
JCT
11-14-2020 at 01:46 PM.
11-14-2020 at 01:46 PM.
anyone happens to know if you change DD to your SS payment, how long will it take to update to the new account?

cap one requires 2 DD within 60 days, my next check is expected in 2 weeks... if social security can update it for next payment then i would be eligible to get the bonus.

thanks a lot in advance!
Reply
Joined Dec 2018
Master of my Own Domain
> bubble2 2,154 Posts
374 Reputation
HonestMammoth473
11-14-2020 at 01:47 PM.
11-14-2020 at 01:47 PM.
Done. Thanks OP.
Reply
Joined Sep 2016
L5: Journeyman
> bubble2 743 Posts
137 Reputation
Nimsiv
11-14-2020 at 01:47 PM.
11-14-2020 at 01:47 PM.
Quote from 3BeansandDreams :
Yes.

So you're saying if I use my employer to fund my account, I have to leave $1000 of my paycheck in this account to get the bonus?
1
Reply
Joined Sep 2004
L3: Novice
> bubble2 196 Posts
17 Reputation
boomerang86
11-14-2020 at 01:49 PM.
11-14-2020 at 01:49 PM.
Personally NOT a fan of Crapital One, TBS this is a sweet deal. Repped!

I just opened another checking account elsewhere two weeks ago. Gonna look like a money launderer with all these open bank accounts.LMAO
Reply
Joined Sep 2014
L3: Novice
> bubble2 271 Posts
52 Reputation
cruzvikcy
11-14-2020 at 01:49 PM.
11-14-2020 at 01:49 PM.
It didn't ask me for a promo code, I followed the link here. Is that expected?
Reply
Joined Jul 2003
L6: Expert
> bubble2 1,044 Posts
95 Reputation
grneal
11-14-2020 at 01:51 PM.
11-14-2020 at 01:51 PM.
Easiest $400 ever made.
Reply
Joined Mar 2014
L2: Beginner
> bubble2 37 Posts
14 Reputation
vegas_ss
11-14-2020 at 01:51 PM.
11-14-2020 at 01:51 PM.
I don't see where this promo code gets entered?
Reply

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Joined Feb 2015
L1337: Deal Sniper
> bubble2 2,244 Posts
533 Reputation
Nytron
11-14-2020 at 01:51 PM.
11-14-2020 at 01:51 PM.
Quote from cruzvikcy :
It didn't ask me for a promo code, I followed the link here. Is that expected?
Promo code field is on the screen where you enter routing and account number of your other bank. It is a link that invokes a drop down field, it's kind of hidden.
1
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Last edited by Nytron November 14, 2020 at 01:58 PM.
Joined Jul 2003
L6: Expert
> bubble2 1,044 Posts
95 Reputation
grneal
11-14-2020 at 01:51 PM.
11-14-2020 at 01:51 PM.
Quote from cruzvikcy :
It didn't ask me for a promo code, I followed the link here. Is that expected?
there isn't a place to put the promo code until more than halfway through the process. and mine was already autofilled when I used the link.
Reply
Joined Jul 2020
L1: Learner
> bubble2 33 Posts
10 Reputation
3BeansandDreams
11-14-2020 at 01:52 PM.
11-14-2020 at 01:52 PM.
Quote from Nimsiv :
So you're saying if I use my employer to fund my account, I have to leave $1000 of my paycheck in this account to get the bonus?

The rep told me I had to have $1000 in the account until I get the bonus.
Reply
Joined Nov 2006
L3: Novice
> bubble2 149 Posts
10 Reputation
rabmozzer
11-14-2020 at 01:53 PM.
11-14-2020 at 01:53 PM.
I did the last one for $500. My money was deposited a few months back.
Reply
Joined Sep 2009
L7: Teacher
> bubble2 2,441 Posts
166 Reputation
PoLusImo
11-14-2020 at 01:54 PM.
11-14-2020 at 01:54 PM.
Wait for a letter from Uncle Sam. It's other way around. You must report all interest income, even if it's pennies. However, you'd get away with not reporting interest income of less that $10, as banks won't report less than $10 income to IRS.
Quote from kekeke :
Right but I don't think you have to report it the sum is over $500 right?
Reply
Joined Sep 2016
L5: Journeyman
> bubble2 743 Posts
137 Reputation
Nimsiv
11-14-2020 at 01:54 PM.
11-14-2020 at 01:54 PM.
Quote from 3BeansandDreams :
The rep told me I had to have $1000 in the account until I get the bonus.

That's a deal breaker. That's pretty much like maintaining a minimum daily balance
1
3
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Joined Feb 2015
L1337: Deal Sniper
> bubble2 2,244 Posts
533 Reputation
Nytron
11-14-2020 at 01:59 PM.
11-14-2020 at 01:59 PM.
Quote from Nimsiv :
That's a deal breaker. That's pretty much like maintaining a minimum daily balance
How long does it take to get the $400 (ballpark)?

I hope Alliant CU counts as ACH, I don't wanna bug HR about flip flopping my DD info.
Reply

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Joined Jul 2003
L6: Expert
> bubble2 1,044 Posts
95 Reputation
grneal
11-14-2020 at 01:59 PM.
11-14-2020 at 01:59 PM.
Quote from Nimsiv :
That's a deal breaker. That's pretty much like maintaining a minimum daily balance
if you don't have $1,000 to leave in the account for a few months to make $400 then something is wrong with your finances.
3
2
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