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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
689,246 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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+810
689,246 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 Apr 2020
L6: Expert
> bubble2 1,451 Posts
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indelible
01-12-2021 at 11:05 PM.
01-12-2021 at 11:05 PM.
i had 2 payouts from my amazon selling account, both show as "electronic transfer" though...hope it works
Reply
Joined Sep 2011
Price Compare, Always
> bubble2 20,588 Posts
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This user is an Expert in Tech & Electronics
bluekiwi
01-13-2021 at 12:57 AM.
01-13-2021 at 12:57 AM.
Just set up an account for the gf and son, super easy and obvious where you put the promo code (on the transfer fund screen)
Reply
Joined Nov 2013
L2: Beginner
> bubble2 66 Posts
15 Reputation
twofooted
01-13-2021 at 04:22 AM.
01-13-2021 at 04:22 AM.
Quote from gmoogle View quoted comment :
how do you freeze your credit in the first place?

Others have replied how to do it. I'll just chime in to say that it is one of the best ways to protect yourself. Free and easy and is more effective than some credit monitoring services.
Reply
Joined Jul 2019
New User
> bubble2 14 Posts
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Highlow123
01-13-2021 at 07:50 AM.
01-13-2021 at 07:50 AM.
Should you get an email confirming that you used the promo code?
Reply
Joined Dec 2007
L10: Grand Master
> bubble2 6,855 Posts
1,062 Reputation
ELofLA
01-13-2021 at 07:53 AM.
01-13-2021 at 07:53 AM.
Quote from dcguy703 View quoted comment :
they advertise this as a Online Checking account? Will they charge for visiting a B&M location and using a teller for deposits or withdrawals?
Do they have teller ?
Reply
Joined Nov 2006
L5: Journeyman
> bubble2 702 Posts
50 Reputation
compy168
01-13-2021 at 08:29 AM.
01-13-2021 at 08:29 AM.
Quote from sangup View quoted comment :
DO not forget to Enter Promo Code when setting the Initial Deposit
I didn't setting up the Initial Deposit. I just let me DD do the deposit. I don't remember I need to enter the promo code manually. When the page has the promo code, it's automatically filled in with the promo code. Am I screwed?
Reply
Joined Sep 2011
Price Compare, Always
> bubble2 20,588 Posts
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Expert
This user is an Expert in Tech & Electronics
bluekiwi
01-13-2021 at 09:19 AM.
01-13-2021 at 09:19 AM.
Quote from compy168 View quoted comment :
I didn't setting up the Initial Deposit. I just let me DD do the deposit. I don't remember I need to enter the promo code manually. When the page has the promo code, it's automatically filled in with the promo code. Am I screwed?
If you had a capital one account already, the promo code is filled in automatically when clicking OP link
Reply

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Joined Jun 2005
L3: Novice
> bubble2 270 Posts
15 Reputation
newbie audio
01-13-2021 at 09:41 AM.
01-13-2021 at 09:41 AM.
Quote from physio1213 View quoted comment :
Can I open wife's account sending my wages to her account as a DD? Does capital one allows that and honor the bonus?
I didn't realize you can have your payroll direct deposit to your wife bank account. If this possible, it will open up some opportunity for me . My wife doesn't have the option of direct deposit her payroll check.
Reply
Joined Nov 2006
L5: Journeyman
> bubble2 702 Posts
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compy168
01-13-2021 at 09:58 AM.
01-13-2021 at 09:58 AM.
Quote from bluekiwi View quoted comment :
If you had a capital one account already, the promo code is filled in automatically when clicking OP link

Yes, I have the Walmart Capital One credit card account already.
Reply
Joined Nov 2006
L5: Journeyman
> bubble2 702 Posts
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compy168
01-13-2021 at 09:59 AM.
01-13-2021 at 09:59 AM.
Quote from newbie audio View quoted comment :
I didn't realize you can have your payroll direct deposit to your wife bank account. If this possible, it will open up some opportunity for me . My wife doesn't have the option of direct deposit her payroll check.

Yes, I will need to check my employer to see if they can do that. If yes, possible another free $400.
Reply
Joined Feb 2010
L3: Novice
> bubble2 292 Posts
57 Reputation
emp
01-13-2021 at 11:20 AM.
01-13-2021 at 11:20 AM.
Quote from newbie audio View quoted comment :
I didn't realize you can have your payroll direct deposit to your wife bank account. If this possible, it will open up some opportunity for me . My wife doesn't have the option of direct deposit her payroll check.
If your employer allows it (they may require name to match) then it could work. Not sure if Capital 1 also has a way of checking if names match and they can reject it when your employer puts it through.

For me I'm my own employer (side business) and have direct deposit so I just changed the account and waited 2 pay cycles and then changed to my wife's account. Went through without an issue, both times, so Capital 1 didn't block because names don't match. Just because they didn't block mine doesn't mean they won't block another, keep that in mind in case you are relying on that money since you might have a delay if something goes wrong.
Reply
Joined Jun 2005
L3: Novice
> bubble2 270 Posts
15 Reputation
newbie audio
01-13-2021 at 11:49 AM.
01-13-2021 at 11:49 AM.
Quote from emp View quoted comment :
If your employer allows it (they may require name to match) then it could work. Not sure if Capital 1 also has a way of checking if names match and they can reject it when your employer puts it through.

For me I'm my own employer (side business) and have direct deposit so I just changed the account and waited 2 pay cycles and then changed to my wife's account. Went through without an issue, both times, so Capital 1 didn't block because names don't match. Just because they didn't block mine doesn't mean they won't block another, keep that in mind in case you are relying on that money since you might have a delay if something goes wrong.
Thanks! this information is very helpful.
Reply
Joined Dec 2008
L5: Journeyman
> bubble2 652 Posts
363 Reputation
Pro
HISI808
01-13-2021 at 02:18 PM.
01-13-2021 at 02:18 PM.
Quote from rusr View quoted comment :
Oh well. Should I cancel my accounts and retry?
That won't work since the offer is for new accounts only. If you cancel and reapply, that will be your second account.
Reply
Joined Apr 2016
L4: Apprentice
> bubble2 396 Posts
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physio1213
01-13-2021 at 03:38 PM.
01-13-2021 at 03:38 PM.
Quote from compy168 View quoted comment :
Yes, I will need to check my employer to see if they can do that. If yes, possible another free $400.
I just opened a new bank account for my wife and add myself as a joint bank account. Now i have 2 different bank account numbers (one single account and other one is joint account) and has my names on both of them.
Reply

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Joined Nov 2006
L5: Journeyman
> bubble2 702 Posts
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compy168
01-13-2021 at 03:54 PM.
01-13-2021 at 03:54 PM.
Quote from physio1213 View quoted comment :
I just opened a new bank account for my wife and add myself as a joint bank account. Now i have 2 different bank account numbers (one single account and other one is joint account) and has my names on both of them.

Will the joint account still qualify for the bonus? If it has your name on it, it might not consider as new account?
Reply
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