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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
688,759 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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Score
+810
688,759 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 2011
iAmABiker.com
> bubble2 965 Posts
106 Reputation
vas0122
11-26-2020 at 09:57 AM.
11-26-2020 at 09:57 AM.
Effing C-one. I did not notice the promo code box and hit apply. Do I have a chance calling customer care begging for applying the code now? Frown
1
Reply
Joined Jan 2008
Bargain Bin
> bubble2 2,156 Posts
281 Reputation
jstutman
11-26-2020 at 11:29 AM.
11-26-2020 at 11:29 AM.
Quote from m_camo View quoted comment :
I got the same message, just called that number and the rep helped open the new account. Don't forget to add the promo wherever you see that option. Once the verification is done, the rep asked me to go to a URL where it asked for the promo again.
Do you have the URL they sent? Can it be used to confirm the promo code was added without having to call?
Reply
Joined Jun 2019
L2: Beginner
> bubble2 2,215 Posts
523 Reputation
Fanime
11-26-2020 at 12:22 PM.
11-26-2020 at 12:22 PM.
Quote from inm8num2 View quoted comment :
So many people calling... did I stumble into an alternate reality in which the first rule of SD is "always call"?

These bonuses are hit or miss when there aren't enough reliable data points. Best you can do is ACH push from as many institutions as you can, see how each transaction is labeled/categorized, and hope at least one of them triggers the bonus. Then we can collectively scrape that info and see if clear data points for what does or doesn't qualify as a DD.
We are in the reality where people are calling in and believing cs reps that tell them that their transfers qualify as "Direct Deposits."

You're gonna see a lot of b*tching from these geniuses in a few months when they don't get their bonuses.
Reply
Joined Jan 2011
L9000
> bubble2 1,051 Posts
111 Reputation
Powza
11-26-2020 at 03:07 PM.
11-26-2020 at 03:07 PM.
The application process is a nightmare.
How do you continue the application after ID verification?
Reply
Joined Dec 2006
L4: Apprentice
> bubble2 423 Posts
413 Reputation
bngguy
11-26-2020 at 07:57 PM.
11-26-2020 at 07:57 PM.
Quote from Powza View quoted comment :
The application process is a nightmare.
How do you continue the application after ID verification?

You have to call them !
Reply
Joined Aug 2011
L7: Teacher
> bubble2 2,421 Posts
670 Reputation
anatoliy8
11-26-2020 at 09:31 PM.
11-26-2020 at 09:31 PM.
hmm Venmo payment registers as an ACH Credit on my chase account same as my paycheck so does transfer from ebay managed payment

Venmo is something I initiate on my own but the ebay payment comes automatically once a week, should qualify as a direct deposit. Guess ill try to do as many of these as I can 2 transactions each over a 1000 total and hope one of them sticks.

In the end probably if this works wont even know which transaction triggered it.
Reply
Joined Jun 2006
L5: Journeyman
> bubble2 770 Posts
34 Reputation
n8236
11-27-2020 at 12:04 AM.
11-27-2020 at 12:04 AM.
Do deposits from WealthFront qualify? I made one deposit and the transaction type is Electronic Transfer.
Reply

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Joined Jun 2019
L2: Beginner
> bubble2 58 Posts
22 Reputation
andrewr4
11-27-2020 at 07:28 AM.
11-27-2020 at 07:28 AM.
Quote from vas0122 View quoted comment :
Effing C-one. I did not notice the promo code box and hit apply. Do I have a chance calling customer care begging for applying the code now? Frown

Same shit happened to me. They said they would leave a note and have me call back January 13th (60 day deadline) to verify if I was eligible and make an exception.
Reply
Joined Nov 2014
Darth Jar Jar
> bubble2 431 Posts
181 Reputation
Vorter
11-27-2020 at 08:31 AM.
11-27-2020 at 08:31 AM.
Called the rep to ask if we need to keep the $1000 in there after we hit the requirements. He said no, we can withdraw/spend any amount as long as the bonus requirements were met and it's open until the bonus payout.
Reply
Joined Dec 2016
L2: Beginner
> bubble2 29 Posts
10 Reputation
srpetale
11-27-2020 at 11:06 AM.
11-27-2020 at 11:06 AM.
I read many comments but not sure whether they were successful or not. So, what are the final suggestions from the community about qualified deposits to get the bonus? TIA
PS: I have tried transfer via zelle, direct deposits and some funds from my university in that account. Not sure how to check whether these worked or not.
Reply
Joined Feb 2015
L1337: Deal Sniper
> bubble2 2,284 Posts
537 Reputation
Nytron
11-27-2020 at 03:01 PM.
11-27-2020 at 03:01 PM.
Just transferred some money from Robinhood, it is showing up in Capital One's site as:

Transaction Type: Electronic transfer

Is there any way to know for sure if this is counted as a Direct Deposit or not (or otherwise satisfy the requirements of this $400 bonus deal)? Many many posts are asking this, and no one has an answer. A mod needs to add a wiki to the OP asap.
1
Reply
Last edited by Nytron November 27, 2020 at 03:16 PM.
Joined Apr 2006
L6: Expert
> bubble2 1,156 Posts
232 Reputation
madshakes
11-27-2020 at 03:46 PM.
11-27-2020 at 03:46 PM.
How long does it take to get the debit card? I opened my account two weeks ago, and haven't received it yet.
Reply
Joined Aug 2013
L4: Apprentice
> bubble2 369 Posts
38 Reputation
DrOmango
11-27-2020 at 04:35 PM.
11-27-2020 at 04:35 PM.
Did my first transfer from PayPal, it shows as Transaction Type: Electronic transfer.

Any alternatives?
Reply
Joined Nov 2012
L4: Apprentice
> bubble2 430 Posts
30 Reputation
jk1947
11-27-2020 at 07:24 PM.
11-27-2020 at 07:24 PM.
Quote from DontTaxBeer View quoted comment :
I added the promo code when adding funds, and on the final Congratulations screen, it confirmed the code. So far so good.
I do not remember seeing congratulations screen for my sign up. Also, I do not remember seeing APPLY button for coupon code. Did a fund transfer and that screen already has promo code BONUS400 filled in. Did I miss something in the process?
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Joined Aug 2016
New User
> bubble2 9 Posts
10 Reputation
Ninjacke
11-27-2020 at 08:02 PM.
11-27-2020 at 08:02 PM.
Hey guys idk if this has been asked, since there's so many messages... So I'm wondering if there's a way to verify that you hit the criteria of $1000. Like I know we can verify that the code worked, but is there anyway of seeing that it's all set and that we don't need to worry about it?
Reply
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