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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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Score
+810
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 Dec 2014
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> bubble2 3,652 Posts
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louweed
11-15-2020 at 09:13 PM.
11-15-2020 at 09:13 PM.
I totally forgot how to initiate an ACH from your paypal acct? anyone? thanks!
Reply
Joined Oct 2008
L10: Grand Master
> bubble2 9,870 Posts
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DontTaxBeer
11-15-2020 at 09:27 PM.
11-15-2020 at 09:27 PM.
this bank must be in a desperate position to be offering this. i went to my local branch in nyc to transfer an IRA account for my retired mom, since they are one of the very few banks that have IRA savings accounts. they told me they no longer have staff to open any accounts and that i have to do it online. theres like 2 tellers max now. i hope they are not going bust.
Reply
Joined May 2013
L6: Expert
> bubble2 1,779 Posts
110 Reputation
liunit92
11-15-2020 at 09:30 PM.
11-15-2020 at 09:30 PM.
has anyone been told by CS that the code was correctly applied?
Reply
Joined Jul 2020
L3: Novice
> bubble2 237 Posts
46 Reputation
CoolMask1456
11-15-2020 at 09:33 PM.
11-15-2020 at 09:33 PM.
Okay, I made it through 15 pages.

Quick question: Do we all agree that the only ACH that is accepted is FROM YOUR JOB?

I, like many, would like to transfer from one of my Credit Union accounts, or even my Cash App. But it looks like the only consistent thing is employment deposits. 🤷🏻
Reply
Joined Mar 2009
L10: Grand Master
> bubble2 6,657 Posts
6,853 Reputation
freebies4me2
11-15-2020 at 09:34 PM.
11-15-2020 at 09:34 PM.
Quote from louweed View quoted comment :
I totally forgot how to initiate an ACH from your paypal acct? anyone? thanks!
Quote from louweed View quoted comment :
i totally forgot... how do you ACH from your paypal acct? thanks!
add the captital one bank in your paypal account. paypal will send 2 small deposits to capital one to verify before you can do a transfer.

And has there been any confirming that paypal count as DD?
Reply
Joined Oct 2008
L10: Grand Master
> bubble2 9,870 Posts
692 Reputation
DontTaxBeer
11-15-2020 at 09:37 PM.
11-15-2020 at 09:37 PM.
Quote from dcguy703 View quoted comment :
Haha funny man. To add to that...all banks checking account bonuses get reported to IRS so yes you do get taxed when you file taxes.
did the law change? it used to be that they reported if it was $600 and over.
Reply
Joined Feb 2011
L10: Grand Master
> bubble2 11,714 Posts
1,689 Reputation
mojohnnybravo
11-15-2020 at 09:45 PM.
11-15-2020 at 09:45 PM.
Quote from DontTaxBeer View quoted comment :
did the law change? it used to be that they reported if it was $600 and over.
lol idk where that world is but i believe its been anything over $10
Reply

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Joined Feb 2011
L10: Grand Master
> bubble2 11,714 Posts
1,689 Reputation
mojohnnybravo
11-15-2020 at 09:46 PM.
11-15-2020 at 09:46 PM.
Quote from CoolMask1456 View quoted comment :
Okay, I made it through 15 pages.

Quick question: Do we all agree that the only ACH that is accepted is FROM YOUR JOB?

I, like many, would like to transfer from one of my Credit Union accounts, or even my Cash App. But it looks like the only consistent thing is employment deposits. 🤷🏻
only safe way. all the other methods you won't know until you're due your bonus
Reply
Joined Jun 2016
L2: Beginner
> bubble2 30 Posts
10 Reputation
Wora
11-15-2020 at 09:47 PM.
11-15-2020 at 09:47 PM.
Thanks for the posting, I'm in.
Reply
Joined Nov 2008
L10: Grand Master
> bubble2 8,106 Posts
607 Reputation
dtmamg
11-15-2020 at 09:47 PM.
11-15-2020 at 09:47 PM.
Quote from mojohnnybravo View quoted comment :
lol idk where that world is but i believe its been anything over $10
over $10 one gets 1099, and bank report it to the fed
Reply
Joined Feb 2011
L10: Grand Master
> bubble2 11,714 Posts
1,689 Reputation
mojohnnybravo
11-15-2020 at 09:48 PM.
11-15-2020 at 09:48 PM.
Quote from dtmamg View quoted comment :
over $10 one gets 1099, and bank report it to the fed
exactly what im saying
Reply
Joined Nov 2008
L10: Grand Master
> bubble2 8,106 Posts
607 Reputation
dtmamg
11-15-2020 at 09:48 PM.
11-15-2020 at 09:48 PM.
Quote from DontTaxBeer View quoted comment :
this bank must be in a desperate position to be offering this. i went to my local branch in nyc to transfer an IRA account for my retired mom, since they are one of the very few banks that have IRA savings accounts. they told me they no longer have staff to open any accounts and that i have to do it online. theres like 2 tellers max now. i hope they are not going bust.

cannot say about "this bank". But many banks do this kind of promo to bring in new clients.
Reply
Joined Dec 2014
L8: Grand Teacher
> bubble2 3,652 Posts
1,230 Reputation
louweed
11-15-2020 at 09:48 PM.
11-15-2020 at 09:48 PM.
Quote from freebies4me2 View quoted comment :
add the captital one bank in your paypal account. paypal will send 2 small deposits to capital one to verify before you can do a transfer.

And has there been any confirming that paypal count as DD?
umm i hope so that's the only reason i asked.
Reply
Joined Nov 2008
L10: Grand Master
> bubble2 8,106 Posts
607 Reputation
dtmamg
11-15-2020 at 09:49 PM.
11-15-2020 at 09:49 PM.
Quote from mojohnnybravo View quoted comment :
exactly what im saying
yeah, i know, then I read few posts said about $600
Reply

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Joined Feb 2011
L10: Grand Master
> bubble2 11,714 Posts
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mojohnnybravo
11-15-2020 at 10:01 PM.
11-15-2020 at 10:01 PM.
Quote from dtmamg View quoted comment :
cannot say about "this bank". But many banks do this kind of promo to bring in new clients.
yea chase paid me $900 to open accounts this year. by his logic it should have gone bankrupt now.
Reply
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