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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

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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
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 Apr 2016
L4: Apprentice
> bubble2 396 Posts
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physio1213
01-13-2021 at 04:00 PM.
01-13-2021 at 04:00 PM.
Quote from compy168 View quoted comment :
Will the joint account still qualify for the bonus? If it has your name on it, it might not consider as new account?

It is going to be my wife's new account.
Reply
Joined Feb 2010
L3: Novice
> bubble2 292 Posts
57 Reputation
emp
01-13-2021 at 04:34 PM.
01-13-2021 at 04:34 PM.
Quote from compy168 View quoted comment :
Will the joint account still qualify for the bonus? If it has your name on it, it might not consider as new account?
That's exactly what I was thinking, I'm guessing he will only get 1 $400 bonus as the other one will count as a second account.

I setup my accounts as 2 separate accounts, 1 with only my name and 1 with only my wife's, specifically to avoid any possible issues with Cap1 saying that it doesn't qualify.
Reply
Joined Dec 2016
New User
> bubble2 10 Posts
10 Reputation
Honest081893
01-13-2021 at 07:00 PM.
01-13-2021 at 07:00 PM.
Quote from eqmagical View quoted comment :
Hmm the CS rep told me my 2 deposits qualified for it which I transferred from td brokerage acc to the new acc. Now I am confused lol.

Anyone know if the direct deposit from unemployment counts as ach transfers?
Reply
Joined May 2016
L5: Journeyman
> bubble2 605 Posts
180 Reputation
eqmagical
01-13-2021 at 07:08 PM.
01-13-2021 at 07:08 PM.
Quote from HelenH9065 View quoted comment :
Anyone know if the direct deposit from unemployment counts as ach transfers?

I think it's best to call them up and ask.
Reply
Joined Dec 2016
New User
> bubble2 10 Posts
10 Reputation
Honest081893
01-13-2021 at 07:09 PM.
01-13-2021 at 07:09 PM.
Quote from eqmagical View quoted comment :
I think it's best to call them up and ask.

I haven't opened an account yet just asking 🙃
1
1
Reply
Joined Feb 2007
L10: Grand Master
> bubble2 1,067 Posts
277 Reputation
firstattack
01-13-2021 at 07:10 PM.
01-13-2021 at 07:10 PM.
Quote from HelenH9065 View quoted comment :
I haven't opened an account yet just asking 🙃
You can still call them up and ask..
Reply
Joined Jul 2018
L1: Learner
> bubble2 23 Posts
94 Reputation
chriscandysh
01-13-2021 at 07:17 PM.
01-13-2021 at 07:17 PM.
Quote from lburgguy View quoted comment :
Would eBay payouts count as direct deposits? If so this is a no-brainer.
I was told ACH Transfer like eBay payouts count as direct deposits
Reply

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Joined Jul 2018
L1: Learner
> bubble2 23 Posts
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chriscandysh
01-13-2021 at 07:25 PM.
01-13-2021 at 07:25 PM.
Quote from HelenH9065 View quoted comment :
Anyone know if the direct deposit from unemployment counts as ach transfers?
Yes, but you probably will receive an error message "routing number doesn't exist"
Reply
Joined Sep 2019
Banned Shill
> bubble2 3,180 Posts
1,108 Reputation
rios7
01-14-2021 at 09:20 AM.
01-14-2021 at 09:20 AM.
fyi 60 day mark to make deposits should be around now for a lot of people
Reply
Joined Jul 2018
L1: Learner
> bubble2 23 Posts
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chriscandysh
01-14-2021 at 10:01 AM.
01-14-2021 at 10:01 AM.
I was told Zelle transfers don't count as DDs
Reply
Joined Jul 2018
L1: Learner
> bubble2 23 Posts
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chriscandysh
01-14-2021 at 10:04 AM.
01-14-2021 at 10:04 AM.
Quote from SonataFan View quoted comment :
Just got off the phone with customer service, they claim any 3rd party app used to make a transfer, even though it posts as ACH credit, is NOT eligible. She used examples such as venmo, paypal, zelle, Robinhood are NOT eligible.

She said only eligible ACH credit is government transfers such as tax returns and payroll.

Anyone have ideas how to make this work?
ebay payout
Reply
Joined Oct 2010
L6: Expert
> bubble2 1,216 Posts
753 Reputation
slickmig
01-14-2021 at 10:04 AM.
01-14-2021 at 10:04 AM.
Are y'all just making these accounts as secondary?.. or making them ur main?
Reply
Joined May 2013
L5: Journeyman
> bubble2 727 Posts
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erapmicks
01-14-2021 at 10:22 AM.
01-14-2021 at 10:22 AM.
Quote from slickmig View quoted comment :
Are y'all just making these accounts as secondary?.. or making them ur main?

I actually like capital one app. Smooth
Reply
Joined Jul 2005
L9000: Broke Member
> bubble2 3,736 Posts
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EffinAhole
01-14-2021 at 10:33 AM.
01-14-2021 at 10:33 AM.
I would have done this except they dont allow bonus' for any type of account per every like 5-10 years or so, whatever the number is. Pretty crazy. I already had a capone 360 checking account where I received a bonus.
Reply

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Joined Aug 2010
L8: Grand Teacher
> bubble2 3,760 Posts
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hunnybunny1012
01-14-2021 at 10:47 AM.
01-14-2021 at 10:47 AM.
I signed up a day too early! It took forever for my payroll to update my new direct deposit and I won't get my 2nd direct deposit until tomorrow, which makes it 61 days! Do you think they'll still honor the promotion? Anyone have any experience with them having a "grace period" of a day or 2?
Reply
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