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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
688,268 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
688,268 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
12-01-2020 at 11:11 AM.
12-01-2020 at 11:11 AM.
I have met all requirements as of today. Now I just have to sit and wait for the $400 bonus
Reply
Joined Nov 2008
L10: Grand Master
> bubble2 8,106 Posts
607 Reputation
dtmamg
12-01-2020 at 12:06 PM.
12-01-2020 at 12:06 PM.
Quote from wspfan View quoted comment :
Is it $2000 total for this or $1000 total. I made a $501.99 deposit. So another $500 deposit and I'm good??
total $1000,
Reply
Joined Nov 2010
L9: Master
> bubble2 4,730 Posts
766 Reputation
APhamX
12-01-2020 at 03:10 PM.
12-01-2020 at 03:10 PM.
Ebay daily payments show up as
Transaction Type:Electronic transfer
Deposit from EBAY EDI PYMNTS
Memo
EDI PYMNTS

Robinhood shows up as
Transaction Type:Electronic transfer
Deposit from ROBINHOOD
Memo
Funds

Not sure if either of these counts. Hopefully a c1 rep can answer.
Reply
Joined Mar 2009
L10: Grand Master
> bubble2 6,657 Posts
6,853 Reputation
freebies4me2
12-01-2020 at 03:34 PM.
12-01-2020 at 03:34 PM.
Mine are as followed:

TDAmeritrade memo: ACH out
Robinhood memo: Funds
Paypal memo: Transfer
Reply
Joined Nov 2010
L9: Master
> bubble2 4,730 Posts
766 Reputation
APhamX
12-01-2020 at 03:35 PM.
12-01-2020 at 03:35 PM.
Quote from Truth-Serum View quoted comment :
I have met all requirements as of today. Now I just have to sit and wait for the $400 bonus
How can you tell, did they tell you or you just have two DD from work or something.
Reply
Joined Sep 2016
L5: Journeyman
> bubble2 656 Posts
54 Reputation
Slickdealer785
12-01-2020 at 03:56 PM.
12-01-2020 at 03:56 PM.
So what's the final take away for qualifying direct deposit except paycheck from employer guys ?
Reply
Joined Jun 2019
L2: Beginner
> bubble2 2,215 Posts
523 Reputation
Fanime
12-01-2020 at 04:03 PM.
12-01-2020 at 04:03 PM.
Quote from gauravrastogi1990 View quoted comment :
So what's the final take away for qualifying direct deposit except paycheck from employer guys ?
No one has gotten the bonus. Everything is just speculation. Only safe move would be real direct deposits from employers/gov.
Reply

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Joined Aug 2010
B!tch Please
> bubble2 6,581 Posts
665 Reputation
Truth-Serum
12-01-2020 at 04:55 PM.
12-01-2020 at 04:55 PM.
Quote from APhamX View quoted comment :
How can you tell, did they tell you or you just have two DD from work or something.

Two DD from my job
Reply
Joined Jan 2008
L3: Novice
> bubble2 211 Posts
115 Reputation
DonWonJohnson
12-01-2020 at 05:29 PM.
12-01-2020 at 05:29 PM.
I signed up for this...but here is a general concern regarding Capital One and liquidity (could be nothing). Yesterday I rolled up to the drive thru (needed a cashier's check), and was turned away due to a "system outage"...didnt think much of it. Today, I requested the cashiers check and was told its $10 dollars, and they refused to waive it (including phone customer service. My concern here is that it is possible, however unlikely, that they are having liquidity issues (masked as a "system outage"). It's very dangerous to turn a customer away from a withdrawal at the bank.

There has been an increase in bank defaults, and none of them will tell you. They may start implementing odd rules to overcome internal issues, such as a ridiculous fee for a cashier's check from a large customer.

Anyways, I withdrew about 90% of my $ (way above FDIC limits), and now am going to get 400 dollars for 1000 in dd. It's a great deal, but just be very cautious regarding maintaining substantial sums, not because of an egregious 10 dollar fee, but a 10 dollar fee to acquire on demand funds.

The 400 deal is amazing though.
2
Reply
Joined Jan 2013
.
> bubble2 554 Posts
128 Reputation
hello3232
12-01-2020 at 05:38 PM.
12-01-2020 at 05:38 PM.
Quote from DonWonJohnson View quoted comment :
I signed up for this...but here is a general concern regarding Capital One and liquidity (could be nothing). Yesterday I rolled up to the drive thru (needed a cashier's check), and was turned away due to a "system outage"...didnt think much of it. Today, I requested the cashiers check and was told its $10 dollars, and they refused to waive it (including phone customer service. My concern here is that it is possible, however unlikely, that they are having liquidity issues (masked as a "system outage"). It's very dangerous to turn a customer away from a withdrawal at the bank.

There has been an increase in bank defaults, and none of them will tell you. They may start implementing odd rules to overcome internal issues, such as a ridiculous fee for a cashier's check from a large customer.

Anyways, I withdrew about 90% of my $ (way above FDIC limits), and now am going to get 400 dollars for 1000 in dd. It's a great deal, but just be very cautious regarding maintaining substantial sums, not because of an egregious 10 dollar fee, but a 10 dollar fee to acquire on demand funds.

The 400 deal is amazing though.
For starters, you should never hold above FDIC limits at a bank. Second, a small free for a cashier check is standard at every national bank. If you don't want to pay for one drop $50k at BoA for premium rewards
Reply
Joined Nov 2011
L9: Master
> bubble2 5,721 Posts
1,220 Reputation
SamsungS25
12-01-2020 at 06:28 PM.
12-01-2020 at 06:28 PM.
Quote from yellowfish View quoted comment :
Cashapp works at direct deposit FYI
How do you know?
Reply
Joined Jun 2018
L2: Beginner
> bubble2 27 Posts
13 Reputation
GreyFlower1337
12-01-2020 at 07:23 PM.
12-01-2020 at 07:23 PM.
Quote from ty8100 View quoted comment :
Maybe I'm the only here forgot to enter the promo code....
Just call them and they said I can call them again after 11th Feb to re-apply this reward
same here, they told me to call back on Mar 1.
Reply
Joined Dec 2009
L9: Master
> bubble2 5,569 Posts
724 Reputation
ultratumba
12-01-2020 at 07:44 PM.
12-01-2020 at 07:44 PM.
Isnt DD of 60 days for 2 DDs unrealistic? It easily takes over a month to get DD to start and by the time the secound DD rolls around its past 60 days so you lose the bonus. I have been hosed by my employer who literally takes almost 2 months to start DD. I get payed once a month. Sucks to be me I guess.
Reply
Joined Jul 2012
L2: Beginner
> bubble2 98 Posts
18 Reputation
wzzp144
12-01-2020 at 07:49 PM.
12-01-2020 at 07:49 PM.
What are other methods of direct deposits? Can I use my stock brokerage account (e.g. robinhood) to transfer money into CapitalOne account?
Reply

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Joined Oct 2005
Hollander
> bubble2 3,290 Posts
1,132 Reputation
ljviss
12-01-2020 at 09:28 PM.
12-01-2020 at 09:28 PM.
I applied for this deal on Monday and got denied because of Early Warning.

I've done 18 bank bonus deals successfully since February so I guess I'll have to slow down a little. laugh out loud

I might try the Comerica $200 Bonus [comerica.com] deal though. Peace
3
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