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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
689,973 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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$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 Nov 2017
L5: Journeyman
> bubble2 556 Posts
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patelronak5
11-19-2020 at 06:46 PM.
11-19-2020 at 06:46 PM.
Quote from cowbe0x004 View quoted comment :
My transfer from a credit union showed up as "P2P PAYMNT". I guess that didn't work lol

How do you know it worked or not? Do you get instant 400$ bonus?
1
Reply
Joined Nov 2007
L5: Journeyman
> bubble2 649 Posts
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cowbe0x004
11-19-2020 at 06:48 PM.
11-19-2020 at 06:48 PM.
Quote from patelronak5 View quoted comment :
How do you know it worked or not? Do you get instant 400$ bonus?
No. It needs to show up as ACH to qualify.
Reply
Joined May 2008
L8: Grand Teacher
> bubble2 3,177 Posts
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calisoldier83
11-19-2020 at 07:02 PM.
11-19-2020 at 07:02 PM.
Quote from oliviajagger View quoted comment :
I am assuming, I need to unlock my credit before I apply?
Were you able to sign up without unlocking?
Reply
Joined Oct 2010
L6: Expert
> bubble2 1,241 Posts
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oliviajagger
11-19-2020 at 07:37 PM.
11-19-2020 at 07:37 PM.
Quote from calisoldier83 View quoted comment :
Were you able to sign up without unlocking?
All sorts of different opinions on this thread. I called and was told they do a soft pull . The rep told me she had no idea which credit report co. they would check. I unlocked all three for 24 hours. I also did not add money until today and the bonus did apply to my account.
Reply
Joined May 2008
L8: Grand Teacher
> bubble2 3,177 Posts
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calisoldier83
11-19-2020 at 07:41 PM.
11-19-2020 at 07:41 PM.
Quote from oliviajagger View quoted comment :
All sorts of different opinions on this thread. I called and was told they do a soft pull . The rep told me she had no idea which credit report co. they would check. I unlocked all three for 24 hours. I also did not add money until today and the bonus did apply to my account.
Thank you! I'll do the same then, appreciate the details.
Reply
Joined Oct 2010
L6: Expert
> bubble2 1,241 Posts
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oliviajagger
11-19-2020 at 07:54 PM.
11-19-2020 at 07:54 PM.
Quote from calisoldier83 View quoted comment :
Thank you! I'll do the same then, appreciate the details.
You are very welcome.
Reply
Joined Sep 2019
Banned Shill
> bubble2 3,180 Posts
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rios7
11-19-2020 at 09:16 PM.
11-19-2020 at 09:16 PM.
has anyone else confirmed if the money has to stay in the account to qualify?
Reply

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Joined Sep 2016
L5: Journeyman
> bubble2 755 Posts
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Nimsiv
11-19-2020 at 09:51 PM.
11-19-2020 at 09:51 PM.
Quote from titantitan View quoted comment :
Do you have to keep the money in the account?

No you don't, someone did call customer service and they said you don't have to leave the money in the account to get your bonus
Reply
Joined Jul 2007
L2: Beginner
> bubble2 63 Posts
26 Reputation
chikachic817
11-19-2020 at 11:55 PM.
11-19-2020 at 11:55 PM.
Opened the account and am waiting to see if a transfer from Wells Fargo works. I checked two accounts I have that I regular transfer between to see what they are coded as. Discover won't work as it's coded as "P2P". Thinking the Wells Fargo might as when my transfers go through, they're coded as "ACH Deposit from Wells Fargo".
Reply
Joined Jul 2007
L2: Beginner
> bubble2 63 Posts
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chikachic817
11-20-2020 at 12:14 AM.
11-20-2020 at 12:14 AM.
If anyone is still wondering where to enter the promo code, here is a screenshot showing the location. You do see the code being applied on the page confirming the opening of the account. Shows the code applied at the bottom
1
Reply
Joined Sep 2006
L8: Grand Teacher
> bubble2 3,417 Posts
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iflabs
11-20-2020 at 01:28 AM.
11-20-2020 at 01:28 AM.
Opened an account and didn't realize my old one was closed in 2018. RIP.

--edit--

Forgot my account was an ING Direct account before they were bought out by Capital One.
Reply
Last edited by iflabs November 20, 2020 at 01:33 AM.
Joined Jul 2013
L5: Journeyman
> bubble2 608 Posts
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RyThaFlyGuy
11-20-2020 at 04:06 AM.
11-20-2020 at 04:06 AM.
My Charles Schwab brokerage transfer is showing up as an "electronic transfer" guess that means it didn't work. Great...
Reply
Joined Jul 2013
L5: Journeyman
> bubble2 608 Posts
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RyThaFlyGuy
11-20-2020 at 04:07 AM.
11-20-2020 at 04:07 AM.
Quote from r_b_baker View quoted comment :
I have tried the following so far...

Bank of America (Initial Funding) - Electronic transfer
PayPal - Electronic transfer
Wealthfront - Electronic transfer

Charles Schwab brokerage is also a transfer lol
Reply
Joined Jul 2013
L5: Journeyman
> bubble2 608 Posts
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RyThaFlyGuy
11-20-2020 at 04:08 AM.
11-20-2020 at 04:08 AM.
Quote from cowbe0x004 View quoted comment :
capital one obviously know people are trying to game the system. I've tried push from brokerage, bank, credit union, they all show up as P2P. I'd suggest you all do actual direct deposit to avoid the headaches.

I agree. Looks like the caught on.
Reply

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Joined Nov 2014
L1: Learner
> bubble2 316 Posts
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r_b_baker
11-20-2020 at 04:58 AM.
11-20-2020 at 04:58 AM.
Quote from RyThaFlyGuy View quoted comment :
I agree. Looks like the caught on.
How are you guys seeing P2P or more detail on transfer? I only see "Electronic transfer" for my 3 transactions (BOA Initial Deposit, PayPal, Wealthfront).
Reply
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