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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
689,534 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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+810
689,534 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 Aug 2010
B!tch Please
> bubble2 6,581 Posts
665 Reputation
Truth-Serum
11-16-2020 at 09:29 PM.
11-16-2020 at 09:29 PM.
Quote from JosiahFam View quoted comment :
I tried to enter the promo code where you can fund account later or open and fund account now and it said not valid wtf

Anyone else have this issue before I apply
Reply
Joined Aug 2009
L3: Novice
> bubble2 262 Posts
134 Reputation
tireshark
11-16-2020 at 09:34 PM.
11-16-2020 at 09:34 PM.
Quote from Truth-Serum View quoted comment :
Anyone else have this issue before I apply
Some are having issues, some aren't.

Just apply and input the bonus code on the page where it asks if you want to fund the account, then fund it with a few dollars, and see what happens. It's not a hard credit pull, so there's not much risk here.
Reply
Joined Aug 2010
B!tch Please
> bubble2 6,581 Posts
665 Reputation
Truth-Serum
11-16-2020 at 09:45 PM.
11-16-2020 at 09:45 PM.
Quote from JosiahFam View quoted comment :
I tried to enter the promo code where you can fund account later or open and fund account now and it said not valid wtf

What web browser did you use and was it mobile or desktop?
Reply
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,379 Posts
649 Reputation
strange_kiddo
11-16-2020 at 09:49 PM.
11-16-2020 at 09:49 PM.
Quote from ck128 View quoted comment :
I have a Capital One 360 Performance Savings account, it's not same as 360 checking account, so I am still eligible for this offer, correct?
I'm in the same situation and reading the terms it looks like we should be good.

I'm glad my employer makes it easy to switch DD. This is my 3rd new account this year!
Reply
Joined Nov 2005
L3: Novice
> bubble2 113 Posts
14 Reputation
nikorami
11-16-2020 at 10:38 PM.
11-16-2020 at 10:38 PM.
Quote from HuyN5103 View quoted comment :
so they need 2k in total deposits? or at least 1k per deposit?

What if i do 4 ($500 deposits)?

EDIT

Just read that you need 2 deposits of 1k or more in total. What if i do 4 deposits to meet 1k?
Seriously....read...Receive at least 2 direct deposits totaling $1,000 or more within 60 days of account opening.
Reply
Joined Nov 2016
L4: Apprentice
> bubble2 455 Posts
88 Reputation
Krayzie916
11-17-2020 at 02:59 AM.
11-17-2020 at 02:59 AM.
I just did a test transfer from my Schwab and Etrade brokerage (non-retirement) accounts and the Etrade deposit is coded as ACH. Does this mean that it will qualify for the DD? The schwab xfer does NOT say ACH.
Reply
Joined Jun 2019
L2: Beginner
> bubble2 2,215 Posts
523 Reputation
Fanime
11-17-2020 at 03:07 AM.
11-17-2020 at 03:07 AM.
Quote from Krayzie916 View quoted comment :
I just did a test transfer from my Schwab and Etrade brokerage (non-retirement) accounts and the Etrade deposit is coded as ACH. Does this mean that it will qualify for the DD? The schwab xfer does NOT say ACH.
Not necessarily, in the past, schwab counted even though it simply said moneylink without the ach label. Won't really know until ya get the bonus.

Ach label doesn't mean it will count.
Reply
Last edited by Fanime November 17, 2020 at 03:11 AM.

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Joined Dec 2008
L5: Journeyman
> bubble2 652 Posts
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Pro
HISI808
11-17-2020 at 03:14 AM.
11-17-2020 at 03:14 AM.
I did a test transfer push initiated from Robinhood and in my 360 Checking it says the following: "Appears on statement as: Deposit from ROBINHOOD Funds"

Memo
Funds

I guess Robinhood will not work.

I also linked my 360 checking to my TD Ameritrade account and they deposited two small transactions for security purposes, these show as "Appears on statement as: Deposit from TD AMERITRADE ACH MICRO"

Memo
ACH MICRO

So there is some hope that a push transfer from TD Ameritrade will be coded as ACH. I will try that and report back since my 360 Checking is now verified in TD Ameritrade.
Reply
Joined Nov 2011
Kannadiga
> bubble2 781 Posts
186 Reputation
makhanaka
11-17-2020 at 04:48 AM.
11-17-2020 at 04:48 AM.
Quote from VincentV2528 View quoted comment :
OMG. I don't see a place to put PROMO code. I already opened my account. Am I fked?

Am afraid you are. Its time to go see a gyno.

Geez ppl.
1
Reply
Joined Oct 2010
L5: Journeyman
> bubble2 578 Posts
61 Reputation
william_asengx
11-17-2020 at 05:23 AM.
11-17-2020 at 05:23 AM.
Why does it keep giving coupon is invalid?
Reply
Joined Feb 2006
L10: Grand Master
> bubble2 6,603 Posts
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karrun
11-17-2020 at 05:24 AM.
11-17-2020 at 05:24 AM.
I've opened my account but can't figure out how to see my account number so I can set up DD from my employer. Anyone help?
Reply
Joined Dec 2005
L3: Novice
> bubble2 204 Posts
123 Reputation
freezedried74
11-17-2020 at 05:29 AM.
11-17-2020 at 05:29 AM.
Quote from karrun View quoted comment :
I've opened my account but can't figure out how to see my account number so I can set up DD from my employer. Anyone help?
When you go into your 360 checking account online click on "view details" in the upper left. This is on pc, not sure if same on mobile.
Reply
Joined Feb 2006
L10: Grand Master
> bubble2 6,603 Posts
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karrun
11-17-2020 at 05:48 AM.
11-17-2020 at 05:48 AM.
Quote from freezedried74 View quoted comment :
When you go into your 360 checking account online click on "view details" in the upper left. This is on pc, not sure if same on mobile.

Thank you!
Reply
Joined Feb 2005
Adicted to SD
> bubble2 2,750 Posts
984 Reputation
JSquare
11-17-2020 at 06:35 AM.
11-17-2020 at 06:35 AM.
Got approval email this morning after ID verification by MMS hurdle. Used the BONUS400 coupon and transferred some cash from Discover Bank. Now let's wait a few days and see it that first transfer count before doing another from the same account.
Reply

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Joined Sep 2013
L3: Novice
> bubble2 807 Posts
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chucktaylur
11-17-2020 at 06:50 AM.
11-17-2020 at 06:50 AM.
Sofi doesnt work as DD. Going to try Ally next.
Reply
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