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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
678,939 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

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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
678,939 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 2013
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> bubble2 789 Posts
69 Reputation
chucktaylur
11-19-2020 at 08:55 AM.
11-19-2020 at 08:55 AM.
Quote from PainKiller89 :
Does this work with TD Ameritrade brokerage account?
my push from TD Ameritrade coded as Deposit from TD AMERITRADE ACH OUT
Reply
Joined Sep 2011
L5: Journeyman
> bubble2 652 Posts
153 Reputation
PainKiller89
11-19-2020 at 08:57 AM.
11-19-2020 at 08:57 AM.
Quote from chucktaylur :
my push from TD Ameritrade coded as Deposit from TD AMERITRADE ACH OUT
I don't think that will work. It needs to be PPD.
Reply
Joined Sep 2013
L3: Novice
> bubble2 789 Posts
69 Reputation
chucktaylur
11-19-2020 at 08:57 AM.
11-19-2020 at 08:57 AM.
Quote from metvsyankee :
I did the transfer directly off capital one. Didn't use any trial deposit.
Thats probably why its coded differently. I pushed the money from Ally rather than pull from Cap. I dont think using Cap to pull money in from any bank account will work as DD. From what I understand, only pushing from another bank account into Cap will work.
Reply
Joined Aug 2013
L5: Journeyman
> bubble2 504 Posts
43 Reputation
metvsyankee
11-19-2020 at 09:06 AM.
11-19-2020 at 09:06 AM.
Quote from chucktaylur :
Thats probably why its coded differently. I pushed the money from Ally rather than pull from Cap. I dont think using Cap to pull money in from any bank account will work as DD. From what I understand, only pushing from another bank account into Cap will work.
The last promotion Capital One 360 Performance Savings Deposit $10,000, Get $100 Bonus
I did the same thing doing the transfer from capital one directly and I did got the $100 bonus that why I'm hopping this would work again
Reply
Joined Sep 2013
L3: Novice
> bubble2 789 Posts
69 Reputation
chucktaylur
11-19-2020 at 09:10 AM.
11-19-2020 at 09:10 AM.
Quote from metvsyankee :
The last promotion Capital One 360 Performance Savings Deposit $10,000, Get $100 Bonus
I did the same thing doing the transfer from capital one directly and I did got the $100 bonus that why I'm hopping this would work again
Correct me if Im wrong. The previous bonus did not require direct deposit. Thats why getting 10k in your account by any means would have triggered the bonus. The current promo only triggers with direct deposit, thats why pulling money in wont work.
Reply
Joined Aug 2013
L5: Journeyman
> bubble2 504 Posts
43 Reputation
metvsyankee
11-19-2020 at 09:18 AM.
11-19-2020 at 09:18 AM.
Quote from chucktaylur :
Correct me if Im wrong. The previous bonus did not require direct deposit. Thats why getting 10k in your account by any means would have triggered the bonus. The current promo only triggers with direct deposit, thats why pulling money in wont work.

Oh shoot I just realize that mistake. I'm going to do the trial deposited and push from Ally. Thanks
Reply
Joined Jan 2011
L3: Novice
> bubble2 211 Posts
30 Reputation
herpderp118
11-19-2020 at 09:29 AM.
11-19-2020 at 09:29 AM.
Here's whats listed on my account page for Robinhood. Am i supposed to see how its coded on a different page or is this it?

Transaction Type: Electronic transfer
Appears on statement as: Deposit from ROBINHOOD Funds
Reply

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Joined Jan 2011
L3: Novice
> bubble2 211 Posts
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herpderp118
11-19-2020 at 09:31 AM.
11-19-2020 at 09:31 AM.
Quote from hunnii :
ACH/Direct Deposit are transfers that take 1-2 days to process.
Wire transfers are not direct deposits.
Instant debit card transfers are not direct deposits.
Internal bank transfers are not direct deposits.

All else are considered direct deposits.

If you're still in doubt, why not just open a Robinhood or Firstrade account, because those are guaranteed to work. Don't read too much into the Doctor Of Credit post. No one knows how they got the data points from and the method they used.
you sound like you know what you're talking about. this is going to be a double post but my robinhood transfer shows on my account page as -

Transaction Type: Electronic transfer
Appears on statement as: Deposit from ROBINHOOD Funds

am i missing something? do i view how its coded somewhere else? did i transfer it wrong or something?
Reply
Joined Nov 2006
L3: Novice
> bubble2 282 Posts
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howdeye
11-19-2020 at 09:50 AM.
11-19-2020 at 09:50 AM.
Any idea if Ebay payments qualify? My first deposit reads:

Transaction Type: Electronic transfer
Appears on statement as: Deposit from EBAY EDI PYMNTS
Memo EDI PYMNTS
Reply
Joined Jun 2019
New User
> bubble2 7 Posts
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Moky177
11-19-2020 at 09:56 AM.
11-19-2020 at 09:56 AM.
I don't see Capital One listed in my direct deposit system. Like when i try to search for the bank in our drop down list, it's not there so i cant even add it to my direct deposit. What should i do?
Reply
Joined Jul 2020
L1: Learner
> bubble2 34 Posts
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3BeansandDreams
11-19-2020 at 09:58 AM.
11-19-2020 at 09:58 AM.
PNC works. They see it as a ACH transfer. Yes!!!
Reply
Joined Dec 2007
L2: Beginner
> bubble2 26 Posts
Pokey
11-19-2020 at 10:02 AM.
11-19-2020 at 10:02 AM.
Quote from Moky177 :
I don't see Capital One listed in my direct deposit system. Like when i try to search for the bank in our drop down list, it's not there so i cant even add it to my direct deposit. What should i do?
For my system the routing number brought up "ING Direct". You could look for that. Capital One bought out ING.
1
Reply
Joined Jun 2009
L4: Apprentice
> bubble2 418 Posts
92 Reputation
the1gq2nvy
11-19-2020 at 10:07 AM.
11-19-2020 at 10:07 AM.
I created 2 already one of myself and one for my mom. Just to confirm these are no fees checking accounts correct?
Reply
Joined Jul 2020
L1: Learner
> bubble2 34 Posts
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3BeansandDreams
11-19-2020 at 10:33 AM.
11-19-2020 at 10:33 AM.
Quote from PainKiller89 :
I don't think that will work. It needs to be PPD.

ACH will work.
Reply

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Joined Jul 2020
L1: Learner
> bubble2 34 Posts
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3BeansandDreams
11-19-2020 at 10:35 AM.
11-19-2020 at 10:35 AM.
Quote from Pokey :
For my system the routing number brought up "ING Direct". You could look for that. Capital One bought out ING.

I just initiated the transfer from my C1 360 account. Told C1 to transfer from my PNC into C1 360. It's was posted as ACH. Good to go.
Reply
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