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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
665,678 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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665,678 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 Aug 2004
...
> bubble2 9,764 Posts
5,106 Reputation
JaTaN
11-14-2020 at 01:59 PM.
11-14-2020 at 01:59 PM.
Quote from cruzvikcy :
It didn't ask me for a promo code, I followed the link here. Is that expected?
Quote from kguzzetta :
I don't see where this promo code gets entered?
You enter the promo code on the account funding page
Reply
Joined Sep 2016
L5: Journeyman
> bubble2 743 Posts
137 Reputation
Nimsiv
11-14-2020 at 02:01 PM.
11-14-2020 at 02:01 PM.
Quote from grneal :
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.

I agree but I am speaking based on the comments here that makes it look like this is different from other deals that require you to leave money in the account
Reply
Joined Sep 2015
L3: Novice
> bubble2 297 Posts
74 Reputation
scpdivy
11-14-2020 at 02:01 PM.
11-14-2020 at 02:01 PM.
Quote from joogle :
I think its if you dont have a checking account

if you have savings account and no checking i think it will work

Worked for me, I have a 360 savings account...
Reply
Joined Sep 2016
L5: Journeyman
> bubble2 743 Posts
137 Reputation
Nimsiv
11-14-2020 at 02:03 PM.
11-14-2020 at 02:03 PM.
Quote from Nytron :
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.

You'll get the bonus at the end of March 2021
Reply
Joined Sep 2014
L2: Beginner
> bubble2 91 Posts
56 Reputation
ChristopherD9582
11-14-2020 at 02:04 PM.
11-14-2020 at 02:04 PM.
I called their 800 number to clarify if I needed to maintain a balance of $1000 in the account in order to qualify and if ACH transfers from banks qualify as directt deposits.

No, you don't need to maintain a balance of $1000, you could transfer it out after or spend it.

Yes, ACH transfers from an existing bank qualify.
Reply
Joined Sep 2016
L5: Journeyman
> bubble2 743 Posts
137 Reputation
Nimsiv
11-14-2020 at 02:05 PM.
11-14-2020 at 02:05 PM.
Quote from ChristopherD9582 :
I called their 800 number to clarify if I needed to maintain a balance of $1000 in the account in order to qualify and if ACH transfers from banks qualify as directt deposits.

No, you don't need to maintain a balance of $1000, you could transfer it out after or spend it.

Yes, ACH transfers from an existing bank qualify.

Now this makes sense! I will call them to verify myself.
Reply
Joined Oct 2016
L2: Beginner
> bubble2 86 Posts
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rafi675
11-14-2020 at 02:06 PM.
11-14-2020 at 02:06 PM.
Just Done it. Hopwfully wont take till March to come in.
Reply

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Joined Nov 2015
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> bubble2 2 Posts
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CodyPan
11-14-2020 at 02:09 PM.
11-14-2020 at 02:09 PM.
Quote from Hardik14 :
At which step there is an option to add a promo code? Is it after adding money to account?
Did you find the answer to this? Because im trying to find out as well
Reply
Joined Sep 2014
L3: Novice
> bubble2 271 Posts
52 Reputation
cruzvikcy
11-14-2020 at 02:11 PM.
11-14-2020 at 02:11 PM.
Quote from Nytron :
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.

I didn't fund the account, so never saw that field. Called CapitalOne and agent said she couldn't see it probably because it is a new account.
Reply
Joined May 2020
New User
> bubble2 7 Posts
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vbrownNJ
11-14-2020 at 02:12 PM.
11-14-2020 at 02:12 PM.
Any type of deposit? Transfer from my other account or from PayPal, would that work?
Reply
Joined Dec 2012
L5: Journeyman
> bubble2 731 Posts
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itsfighter
11-14-2020 at 02:16 PM.
11-14-2020 at 02:16 PM.
Quote from liunit92 :
how do I click to the external transfer page?
It's part of the page flow. Click next on the page where you enter all your personal info/income and SSN.
Reply
Joined Nov 2008
L10: Grand Master
> bubble2 8,102 Posts
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dtmamg
11-14-2020 at 02:16 PM.
11-14-2020 at 02:16 PM.
Quote from JCT :
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!
depend on how fast SS gets it done for you
Reply
Joined Dec 2012
L5: Journeyman
> bubble2 731 Posts
146 Reputation
itsfighter
11-14-2020 at 02:17 PM.
11-14-2020 at 02:17 PM.
Quote from CodyPan :
Did you find the answer to this? Because im trying to find out as well
It's on the external transfer page where you add your other bank account for initial funding
Reply
Joined Mar 2007
Bite Me
> bubble2 1,835 Posts
472 Reputation
anubis57
11-14-2020 at 02:18 PM.
11-14-2020 at 02:18 PM.
Quote from grneal :
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.
Perhaps, but in reality that is 40% of your fellow Americans. EEK!

https://abcnews.go.com/US/10-americans-struggle-cover-400-emergency-expense-federal/story?id=6325384... [go.com]

Sad state of affairs.
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Joined Mar 2013
L1: Learner
> bubble2 180 Posts
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vb55490
11-14-2020 at 02:19 PM.
11-14-2020 at 02:19 PM.
Is this limited to one per household ? I wanted to open for my wife too. Please suggest.
Reply
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