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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
688,759 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 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
688,759 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 Jul 2007
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jplee3
11-15-2020 at 09:00 AM.
11-15-2020 at 09:00 AM.
Quote from FabulousPanther690 View quoted comment :
Alright so after opening account, I went to OP's link and clicked open account again. That allowed me to link an external account along with the bonus code.
Awesome! This seemed to work for me! Saw that the promo code was auto-filled in that box. Thanks for the tip!

EDIT: Oh wait, I think I may have just opened a second account...dohhh not sure what to do now hahaha. Did I just 'invalidate' the promo by opening a second account with them? If not, is there a place to confirm that the bonus is in fact added and active?
Reply
Last edited by jplee3 November 15, 2020 at 09:05 AM.
Joined Aug 2005
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deal_master
11-15-2020 at 09:03 AM.
11-15-2020 at 09:03 AM.
Quote from Prologik View quoted comment :
Definitely. This size bonus, they're investing for long term customer acquisition. I went to change my SS deposit info and it appears it takes a month for them to change their direct deposit and my first wouldn't happen till January, skipping December. So I'll never get the 2 deposited within 60 days. I guess people that have SS are SOL. Frown

I think lof of DDs work that way. Usually it takes 1 month for the DD to get effective. I bet lot of folks here will have similar issue.(mot just SS).
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Joined Jul 2007
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jplee3
11-15-2020 at 09:08 AM.
11-15-2020 at 09:08 AM.
Quote from gironhe View quoted comment :
Yeah, I'm not risking, just open another account, but make sure you pay attention to the promo screen, where you fund the account. I did it and now have Two 360 accounts. Make sure to print the screen after you open your account, the screen should show the message about the promo.

Just make sure you know which is the promo account.

Good luck!!!!!
This semi-answers the question I had... but just to confirm: does having the first account (without the promo code) somehow 'invalidate' the offer despite opening the second account \with the promo code applied? If not, is there a way to confirm that the promo code is in fact applied?
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Joined Jun 2017
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> bubble2 194 Posts
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socalkevina
11-15-2020 at 09:22 AM.
11-15-2020 at 09:22 AM.
Quote from jplee3 View quoted comment :
This semi-answers the question I had... but just to confirm: does having the first account (without the promo code) somehow 'invalidate' the offer despite opening the second account \with the promo code applied? If not, is there a way to confirm that the promo code is in fact applied?

Call their customer service. They can see if the code was applied or not
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Joined Apr 2020
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chicago_clubs
11-15-2020 at 09:22 AM.
11-15-2020 at 09:22 AM.
Quote from itsfighter View quoted comment :
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
I forgot to add bonus code while creating an account. I just skip the external account link part. Now When I am trying to add External account for funding, I don't see a place where I can input promo code. Any idea of how to apply the promo code after account opening?
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Joined Sep 2019
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rios7
11-15-2020 at 09:28 AM.
11-15-2020 at 09:28 AM.
LMAO, they just claimed the bonus400 code wasnt applied to my account even though I had a screenshot proving it and they refused to look at my screenshot.

what a scam!

said I have to call back feb 2nd like everyone else....
1
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Last edited by rios7 November 15, 2020 at 10:37 AM.
Joined Aug 2012
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SeventiesVet
11-15-2020 at 09:30 AM.
11-15-2020 at 09:30 AM.
Just called customer service to confirm promo was entered, and they said it wasn't. Have to wait until February and possibly they can then make an exception and then after 2 qualifying deposits were made.

Forget it. I think they're looking for ways to get people to change their direct deposits to them and weasel their way out of paying the bonus with technicalities. Another Wells Fargo!
1
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Last edited by Rich8655 November 15, 2020 at 09:49 AM.

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HISI808
11-15-2020 at 09:48 AM.
11-15-2020 at 09:48 AM.
Quote from scheibler View quoted comment :
I have to provide my works HR department with the routing number of a bank I want to DD to. Can I open an account now and just deposit some money from another checking account while waiting for my works DD and still qualify if I don't DD right from the jump?
Yes, this will work. It seems like if you use the link provided in the OP and fund now the code is auto populated in the promo code field. People are reporting issues when they pick the fund later option. After you open the account, you will see the routing and account number which you can give to HR.
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wicknut
11-15-2020 at 09:58 AM.
11-15-2020 at 09:58 AM.
Quote from hotdog110 View quoted comment :
I called Capital One. This won't be qualified as a direct deposit.

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.
I am afraid what CS said might be right. I just went back and check my previous bank transfers to Cap1, they were logged in 'transfer' category, as 'preauthorized bank transfer', no mention of ACH. I am no wasting my time with deals, there will be a lot of disappointments come next March.
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rios7
11-15-2020 at 10:36 AM.

Our community has rated this post as helpful. If you agree, why not thank rios7

11-15-2020 at 10:36 AM.
CS Confirmed to me that a brokerage ach deposit counts as a direct deposit for the purposes of the promotion. I spoke with a manager named Stephanie #560196 who confirmed that to me
2
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HISI808
11-15-2020 at 10:39 AM.
11-15-2020 at 10:39 AM.
Quote from rios7 View quoted comment :
CS Confirmed to me that a brokerage ach deposit counts as a direct deposit for the purposes of the promotion. I spoke with a manager named Stephanie #560196 who confirmed that to me
Thanks for confirming!
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Joined Apr 2009
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emofals
11-15-2020 at 10:45 AM.
11-15-2020 at 10:45 AM.
Quote from rios7 View quoted comment :
LMAO, they just claimed the bonus400 code wasnt applied to my account even though I had a screenshot proving it and they refused to look at my screenshot.

what a scam!

said I have to call back feb 2nd like everyone else....
It's got to do with funding the account along with applying the promo code. I think their tech is messed up.
Reply
Joined Dec 2006
MagniCowpie
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Prologik
11-15-2020 at 10:46 AM.
11-15-2020 at 10:46 AM.
Quote from rios7 View quoted comment :
CS Confirmed to me that a brokerage ach deposit counts as a direct deposit for the purposes of the promotion. I spoke with a manager named Stephanie #560196 who confirmed that to me
Just came to say that. Moved so funds from my money market account into a Schwab (Fidelity, Goldman) brokerage account, and set up a few recurring deposits into capital one. A little more leg work than I would have liked, but not to shabby for $400. It not like 4 months interest loss from a MM account to get parked in at a brokerage is any loss at these levels.
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buy4free
11-15-2020 at 11:09 AM.
11-15-2020 at 11:09 AM.
Quote from gauravrastogi1990 View quoted comment :
I had a 360 money market account .. just opened checkin account with bonus 400 promo and transferred 500$ .. all info pre filled and done in 2 minutes .. fingers crossed for bonus .. thanks OP
Do you think you will get the bonus? I also have the same situation....but I had the impression that having "ANY" capital one account will disqualify from getting this bonus.
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TejaR6820
11-15-2020 at 11:09 AM.
11-15-2020 at 11:09 AM.
I forgot to enter the promo code while signing up. Here's what I did to enter the promo code after signing up:

JUST OPEN A NEW ACCOUNT and DONT FORGET TO ADD FUNDS TO YOUR ACCOUNT THIS TIME.

Link: https://apply.capitalone.com/inde...uctId=4000
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