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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
679,043 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 06:03 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
679,043 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.

2,248 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 Jun 2009
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> bubble2 866 Posts
287 Reputation
euuser643183
11-14-2020 at 09:56 PM.
11-14-2020 at 09:56 PM.
Quote from rios7 :
nope mine says its applied
Interesting.
I don't know now if I had to re-enter the promo code in spite of it already being pre-filled.
But it only starts with "If you have applied..."
Can someone else confirm as well, if it does say "It has been applied" or just says "if you have applied..."

Edit: After seeing your screen, it appears different. Probably you chose to fund it later I believe.
Reply
Last edited by rndman November 14, 2020 at 09:59 PM.
Joined Dec 2011
L6: Expert
> bubble2 1,102 Posts
53 Reputation
shaolinwookie
11-14-2020 at 10:01 PM.
11-14-2020 at 10:01 PM.
direct deposit is basically a paycheck right
1
Reply
Joined Apr 2009
L9: Master
> bubble2 4,246 Posts
554 Reputation
Pro
emofals
11-14-2020 at 10:02 PM.
11-14-2020 at 10:02 PM.
Quote from rndman :
Interesting.
I don't know now if I had to re-enter the promo code in spite of it already being pre-filled.
But it only starts with "If you have applied..."
Can someone else confirm as well, if it does say "It has been applied" or just says "if you have applied..."

Edit: After seeing your screen, it appears different. Probably you chose to fund it later I believe.
If you fund it later, it doesnt stick, if you fund it right away, it sticks.
Reply
Joined Jun 2011
L3: Novice
> bubble2 254 Posts
18 Reputation
KPLovesDeals
11-14-2020 at 10:03 PM.
11-14-2020 at 10:03 PM.
Quote from qwang925 :
I think so: you and your spouse are two different applicants for different accounts.

Has anyone tried this and works? If so I'll open 2 accounts
Reply
Joined Sep 2019
Banned Shill
> bubble2 3,180 Posts
1,108 Reputation
rios7
11-14-2020 at 10:06 PM.
11-14-2020 at 10:06 PM.
Quote from emofals :
If you fund it later, it doesnt stick, if you fund it right away, it sticks.
how do you find out whether it stuck or not
Reply
Joined Apr 2009
L9: Master
> bubble2 4,246 Posts
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Pro
emofals
11-14-2020 at 10:08 PM.
11-14-2020 at 10:08 PM.
Quote from rios7 :
how do you find out whether it stuck or not
Simple, call their customer service, they do have a sure way of telling whether it stuck or not. If not, they will ask you to call on Feb 1st.
Reply
Joined Sep 2019
Banned Shill
> bubble2 3,180 Posts
1,108 Reputation
rios7
11-14-2020 at 10:10 PM.
11-14-2020 at 10:10 PM.
Quote from emofals :
Simple, call their customer service, they do have a sure way of telling whether it stuck or not. If not, they will ask you to call on Feb 1st.
oh ugh thats annoying :/

thanks for letting me know. is it fast to get through to their cs?
Reply

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Joined Jun 2009
L5: Journeyman
> bubble2 866 Posts
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euuser643183
11-14-2020 at 10:13 PM.
11-14-2020 at 10:13 PM.
Quote from emofals :
If you fund it later, it doesnt stick, if you fund it right away, it sticks.
Yes. I did fund it right away. But there is no direct confirmation that will say "You have applied promo code...".
It's the generic statement "If you have applied promo code...". See the attached.
Reply
Joined Apr 2009
L9: Master
> bubble2 4,246 Posts
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Pro
emofals
11-14-2020 at 10:13 PM.
11-14-2020 at 10:13 PM.
Quote from rios7 :
oh ugh thats annoying :/

thanks for letting me know. is it fast to get through to their cs?
Very, 4 calls, all under 2 mins, but they might be close now (11 pm EST). Either tomorrow or Monday.
Reply
Joined Jul 2007
L7: Teacher
> bubble2 2,363 Posts
eko427
11-14-2020 at 10:15 PM.
11-14-2020 at 10:15 PM.
Quote from rndman :
Yes. I did fund it right away. But there is no direct confirmation that will say "You have applied promo code...".
It's the generic statement "If you have applied promo code...". See the attached.
Got the same. I called and they confirmed that the promo was applied.
Reply
Joined Jun 2009
L5: Journeyman
> bubble2 866 Posts
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euuser643183
11-14-2020 at 10:17 PM.
11-14-2020 at 10:17 PM.
Quote from eko427 :
Got the same. I called and they confirmed that the promo was applied.
Thanks.
I will call them tomorrow, just to be sure.
Reply
Joined Jun 2014
L4: Apprentice
> bubble2 368 Posts
28 Reputation
mevorabuddy
11-14-2020 at 10:20 PM.
11-14-2020 at 10:20 PM.
Thanks. Is there a referral bonus to apply for the wife as well ?
Reply
Joined Dec 2006
MagniCowpie
> bubble2 2,648 Posts
609 Reputation
Prologik
11-14-2020 at 10:22 PM.
11-14-2020 at 10:22 PM.
Quote from egorre :
triple pulls mean they hard pull experian, equifax, and transunion when you open a cc with them. He's saying not to apply until everything op need to do for his refi is done just to be safe. Bank accounts usually don't do hard pull, but given Capital One's track record with cc pulls, he said don't risk it since the promo is until January anyway
You seem to know your offer churning well. As for or a DD, per DOC, my Discover, HSBC, Wealthfront, Comenity and Tiaa (formerly Everbank) won't qualify as a DD despite being an ACH? If that is the case, i saw that DOC said Robinhood does? If so, can it be the Cash & Management service or does it have to be Stocks & Funds/Crypto? Thanks for all your efforts. And the promo code was not hidden, it was exactly as you've shown in your pic. SB1 was definitely suffering a case of sour grapes. Smilie
Reply
Joined Mar 2018
L1: Learner
> bubble2 24 Posts
18 Reputation
Vladjaye
11-14-2020 at 10:23 PM.
11-14-2020 at 10:23 PM.
Still can't find the answer... Would PayPal transfer qualify as DD? Smilie
1
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Joined Sep 2019
Banned Shill
> bubble2 3,180 Posts
1,108 Reputation
rios7
11-14-2020 at 10:25 PM.
11-14-2020 at 10:25 PM.
Quote from Vladjaye :
Still can't find the answer... Would PayPal transfer qualify as DD?
can transfer a buck and see if it shows up as ach first
Reply
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