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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
689,785 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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689,785 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 Sep 2019
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> bubble2 3,180 Posts
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rios7
11-15-2020 at 05:52 PM.
11-15-2020 at 05:52 PM.
Quote from emofals View quoted comment :
Did he/she say guaranteed? If yes, did you get it in writing?
the cs people I talked to refused to put it in writing were making some lame excuse about how they can't write outbound emails..... sounded pretty squirrely to me but at least I got their names and employee reference numbers
Reply
Joined Feb 2007
L7: Instigator
> bubble2 5,204 Posts
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SB1
11-15-2020 at 05:54 PM.
11-15-2020 at 05:54 PM.
Quote from liunit92 View quoted comment :
no mentions of guaranteed. not sure how i could ask for it in writing if i talked to him on the phone. he just said he made a note of it in my account. i guess i could call back asking to be sent an email or snail mail
I asked the CS rep to send me a statement in writing that the code should have been applied and he told me that wasn't possible. Be wary of any company that won't put anything in writing, they force you to call someone overseas who knows nothing, can accomplish nothing and just tells you what they think you want to hear knowing that some other poor soul will have to deal with you in a couple months when all the lies are exposed.
4
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Joined Feb 2007
L7: Instigator
> bubble2 5,204 Posts
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SB1
11-15-2020 at 05:55 PM.
11-15-2020 at 05:55 PM.
Quote from rios7 View quoted comment :
the cs people I talked to refused to put it in writing were making some lame excuse about how they can't write outbound emails..... sounded pretty squirrely to me but at least I got their names and employee reference numbers
That makes no difference from my experience.
3
Reply
Joined Nov 2006
L6: Expert
> bubble2 1,514 Posts
1,606 Reputation
BPyser1
11-15-2020 at 05:59 PM.
11-15-2020 at 05:59 PM.
For those of you who chose NOT to fund your account, are you getting an error now when you try to set up a transfer account on the Capital One site? When I go to setup a transfer account, it says to enter a phone number to validate, and then it says it doesn't have that phone number registered, making me unable to proceed. I don't know if it's necessary or not, since I'm just going to transfer using my brokerage account, or if it's necessary to get the $400?
Reply
Joined Dec 2007
L2: Beginner
> bubble2 59 Posts
14 Reputation
Locinator
11-15-2020 at 06:33 PM.
11-15-2020 at 06:33 PM.
Dang it applied quickly and forgot to add promo code. Hope I will get the bonus still. Called cs
Reply
Joined Feb 2007
L7: Instigator
> bubble2 5,204 Posts
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SB1
11-15-2020 at 06:37 PM.
11-15-2020 at 06:37 PM.
Quote from Locinator View quoted comment :
Dang it applied quickly and forgot to add promo code. Hope I will get the bonus still. Called cs
And another one takes the bait...
1
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Joined Aug 2013
L4: Apprentice
> bubble2 369 Posts
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DrOmango
11-15-2020 at 06:43 PM.
11-15-2020 at 06:43 PM.
what ways can I transfer money as ach? im self employed, get income from paypal.
Reply

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Joined Oct 2017
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> bubble2 67 Posts
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Answeller
11-15-2020 at 06:44 PM.
11-15-2020 at 06:44 PM.
Cash out on venmo is ACH
1
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Joined Feb 2007
L7: Instigator
> bubble2 5,204 Posts
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SB1
11-15-2020 at 06:46 PM.
11-15-2020 at 06:46 PM.
There are going to be so many pissed off people from this thread in February laugh out loud
1
2
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Joined Jul 2012
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> bubble2 98 Posts
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wzzp144
11-15-2020 at 06:54 PM.
11-15-2020 at 06:54 PM.
Quote from thomasherzog View quoted comment :
Wells Fargo does a similar promo often. I just open account, set direct deposit to that account for like $1,000 and then have an auto transfer from that account to my normal one the next day. Then close it when I get my free money. Quick and painless.
Does the direct deposit have to be from your employer? Please elaborate how you do this without employer DD?
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Joined Aug 2010
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> bubble2 36 Posts
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PandaNYC
11-15-2020 at 07:00 PM.
11-15-2020 at 07:00 PM.
Can someone explain how the tax forms for this will work when filing taxes? Will CapitalOne send me a form? What kind of form is it?
Reply
Joined Jul 2009
L4: Apprentice
> bubble2 493 Posts
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haner
11-15-2020 at 07:01 PM.
11-15-2020 at 07:01 PM.
Quote from PandaNYC View quoted comment :
Can someone explain how the tax forms for this will work when filing taxes? Will CapitalOne send me a form? What kind of form is it?
Most likely a 1099-MISC. Enter this in your tax software.
Reply
Joined Sep 2019
Banned Shill
> bubble2 3,180 Posts
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rios7
11-15-2020 at 07:01 PM.
11-15-2020 at 07:01 PM.
Quote from PandaNYC View quoted comment :
Can someone explain how the tax forms for this will work when filing taxes? Will CapitalOne send me a form? What kind of form is it?
is a 1099 form. same type for any interest or capital gains you might have at a brokerage
Reply
Joined Sep 2012
L2: Beginner
> bubble2 99 Posts
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JaunM
11-15-2020 at 07:09 PM.
11-15-2020 at 07:09 PM.
Called and found out the code didn't apply. Canceled my account immediately. CS said this promo only applies to 1st time accounts so opening up another would not qualify. Boohoo
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Joined Nov 2016
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mohikrish
11-15-2020 at 07:18 PM.
11-15-2020 at 07:18 PM.
Post 60 days of account opening,
Is there a minimum direct deposit needed every month?
Reply
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