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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

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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
688,759 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 May 2004
Commie
> bubble2 14,302 Posts
2,893 Reputation
BalkiBartokomous
01-02-2021 at 07:36 PM.
01-02-2021 at 07:36 PM.
Quote from ThePeoplesElbow View quoted comment :
I entered the code, saw it popup and when I called after activating the new account online, the phone rep told me that the code wasn't applied. I want to wring someone's neck right now. They told me to call back in an hour or two to check as maybe the code just hadn't hit their system yet....
Whenever I'm doing any type of offer or cashback I always have screen recording going just as a backup. I've had to use it a time or two when CSR wouldn't do anything for me. I also record my calls with CSR whenever I'm doing anything important or confirming info.
Reply
Joined Dec 2019
New User
> bubble2 2 Posts
10 Reputation
prashantsarode08
01-02-2021 at 08:10 PM.
01-02-2021 at 08:10 PM.
I forgot to add promo code ... can we call them and ask them to apply this reward?
Reply
Joined Dec 2019
New User
> bubble2 2 Posts
10 Reputation
prashantsarode08
01-02-2021 at 10:03 PM.
01-02-2021 at 10:03 PM.
I forgot to add promo code ... can we call them and ask them to apply this reward?
Reply
Joined Jan 2008
L6: Expert
> bubble2 1,596 Posts
421 Reputation
firstrival
01-02-2021 at 10:14 PM.
01-02-2021 at 10:14 PM.
After my account was successfully opened, they let me know:

Quote :
You have or had an account which makes you ineligible for this offer.
I might have had an ING Direct account or similar that was acquired by them, but I cannot see it anywhere.
Reply
Joined Mar 2019
L5: Journeyman
> bubble2 909 Posts
77 Reputation
ThePeoplesElbow
01-03-2021 at 12:37 PM.
01-03-2021 at 12:37 PM.
Quote from Killerz View quoted comment :
Whenever I'm doing any type of offer or cashback I always have screen recording going just as a backup. I've had to use it a time or two when CSR wouldn't do anything for me. I also record my calls with CSR whenever I'm doing anything important or confirming info.
I talked to a rep a few hours later...of curse, the promo code was not applied despite entering it and seeing it on the next page. He allegedly added notes to my account file, provided his employee id number, and told me call back on 4/2 to request a "manual exception".
Reply
Joined Dec 2014
L10: Grand Master
> bubble2 8,288 Posts
491 Reputation
someoneslick
01-03-2021 at 08:15 PM.
01-03-2021 at 08:15 PM.
Quote from ThePeoplesElbow View quoted comment :
Called CapOne about 15 minutes after setting up the account, entering the promo code and seeing the promo code listed ... the phone agent indicated that the promo code was not appearing and that I should call back in about 1-2 hours. I knew I should have taken a screen shot of the final page that showed the bonus code applied. These people better not cheat me out of the bonus and steal my personal info.
People in here claimed you didn't have to deposit any money at the time of opening it so I listened to them and then all these people started saying the ones who skipped that step magically didn't have the promo code applied.

I am not sure what to do at this point. I shouldn't have to waste time calling about something where i correctly applied the code. Also a lot of people in here pretty much mocked people who believed capital one wouldn't pay out, but it sure looks like they (or whoever they are using for the promotion) are trying to get around paying. I went to a lot of trouble getting direct deposits changed to this account and now they will probably not pay out.
1
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Joined Dec 2014
L10: Grand Master
> bubble2 8,288 Posts
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someoneslick
01-04-2021 at 09:58 AM.
01-04-2021 at 09:58 AM.
Is there not any way to contact these people via email? That tells a lot there, where you can't get anything in writing. I am going to be mad if they try to keep from paying out.
Reply

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Joined Nov 2007
Deal Master
> bubble2 1,540 Posts
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rdmustang1
01-04-2021 at 10:45 AM.
01-04-2021 at 10:45 AM.
Quote from someoneslick View quoted comment :
People in here claimed you didn't have to deposit any money at the time of opening it so I listened to them and then all these people started saying the ones who skipped that step magically didn't have the promo code applied.

I am not sure what to do at this point. I shouldn't have to waste time calling about something where i correctly applied the code. Also a lot of people in here pretty much mocked people who believed capital one wouldn't pay out, but it sure looks like they (or whoever they are using for the promotion) are trying to get around paying. I went to a lot of trouble getting direct deposits changed to this account and now they will probably not pay out.
I didn't want to do a deposit but it seemed like you had to in order to apply the promo code. It does seem shady because it did not say anything about requiring an initial deposit.
Reply
Joined Aug 2018
L2: Beginner
> bubble2 79 Posts
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FabulousShoe7803
01-04-2021 at 11:47 AM.
01-04-2021 at 11:47 AM.
I just opened an account with the promo code yesterday and transferred 1$ from my BoA account in during initial account opening. I called today to make sure everything was working and asked about ACH transfers. The CS guy specifically went to looked it up and said that Paypal, Venmo, Cashapp, and other money transfer apps dont count. However, Zelle transfers do count toward the promo as long as it is not from an account under the same name. It must be from someone else's account. So when I transferred more money from my BoA to this capital one account, they said it doesnt apply, but I had a friend send me money through zelle and the CS guy said that it does count. I don't know about other banks, but I would suspect that as long as it's through Zelle, it counts as long as it's from someone else's account. Oh and my initial transfer of 1$ they said would have counted, except it was from my own BoA account so it doesn't count. Just my experience with this one CS guy.
Reply
Last edited by FabulousShoe7803 January 4, 2021 at 12:05 PM.
Joined Jun 2009
Meth Addict
> bubble2 954 Posts
398 Reputation
will403536
01-04-2021 at 01:04 PM.
01-04-2021 at 01:04 PM.
Agh just realized it's TWO deposits. I got 1K in my first deposit and changed my DD back, won't get another DD in-time for the 60 day window.

Will try to get Zelle'd from a friend's account, see how that works.
Reply
Joined Jun 2018
New User
> bubble2 12 Posts
14 Reputation
michaelf8438
01-04-2021 at 01:45 PM.
01-04-2021 at 01:45 PM.
Quote from FabulousShoe7803 View quoted comment :
I just opened an account with the promo code yesterday and transferred 1$ from my BoA account in during initial account opening. I called today to make sure everything was working and asked about ACH transfers. The CS guy specifically went to looked it up and said that Paypal, Venmo, Cashapp, and other money transfer apps dont count. However, Zelle transfers do count toward the promo as long as it is not from an account under the same name. It must be from someone else's account. So when I transferred more money from my BoA to this capital one account, they said it doesnt apply, but I had a friend send me money through zelle and the CS guy said that it does count. I don't know about other banks, but I would suspect that as long as it's through Zelle, it counts as long as it's from someone else's account. Oh and my initial transfer of 1$ they said would have counted, except it was from my own BoA account so it doesn't count. Just my experience with this one CS guy.

i was told same thing, however they told me just make sure its not the same Zelle account. my zelle acct on boa is my phone # and i made sure on capital one to not make it my phone # but make it just my email. and the CS agent told me it will work.
Reply
Joined Dec 2011
Disco>Driving>Disco
> bubble2 4,663 Posts
1,057 Reputation
wspfan
01-04-2021 at 04:12 PM.
01-04-2021 at 04:12 PM.
Did a transfer from Wells Fargo - looks like this online:


WELLS FARGO IFI
Transfer$502.98
Transaction Type: Electronic transfer
Appears on statement as: Deposit from WELLS FARGO IFI DDA TO DDA
Memo
DDA TO DDA

Is this considered an ACH?
Reply
Joined Dec 2014
L10: Grand Master
> bubble2 8,288 Posts
491 Reputation
someoneslick
01-04-2021 at 04:43 PM.
01-04-2021 at 04:43 PM.
Well, I called and got them to manually add info on the account about this, like with others, although they told me a different date to call on.

But look what he said... He asked which site the promotion would be on because "we don't do anything like that on the capital one site" and of course it is indeed on the capitalone.com site... Ands then after that he told me that he has had "an influx of calls about that promotion today" so wants to be sure to report all of the details inc ase it's an IT proble.

So if he doesn't think they do promotions like that how could he then have an influx of calls about it? Unless he thinks everyone is lying?

Also I let him know that it said the code was successfully applied and he said most don't have it say that, so it's good it told me that.... but I think everyone in here had it say that if they did indeed enter the code.

Either way, he noted that they should manually add the money, so hopefully it all works out...
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Joined Apr 2014
L6: Expert
> bubble2 1,608 Posts
224 Reputation
DayaO
01-04-2021 at 07:59 PM.
01-04-2021 at 07:59 PM.
My wife check wont make 60 days due to paperworks n stuffs. Can i split mine to my account and her account 500 each? Will that work??
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Joined Oct 2015
L5: Journeyman
> bubble2 791 Posts
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bosoxx091
01-04-2021 at 08:28 PM.
01-04-2021 at 08:28 PM.
Quote from DayaO View quoted comment :
My wife check wont make 60 days due to paperworks n stuffs. Can i split mine to my account and her account 500 each? Will that work??

Should be fine if it's from your employer. I don't think it'll work if you're transferring from your bank.
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