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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 Dec 2005
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> bubble2 14,723 Posts
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ScottoDono
01-25-2021 at 09:32 AM.
01-25-2021 at 09:32 AM.
Quote from FrannardF View quoted comment :
If you fund the account with a deposit on the initial set up (for example $500), does that count towards the requirements of at least two deposits totalling 1K in 60 days?
I would say no. Unless its an ACH. But I would not do it until the account is opened. Not at application
Reply
Joined Dec 2005
L10: Grand Master
> bubble2 14,723 Posts
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ScottoDono
01-25-2021 at 09:37 AM.
01-25-2021 at 09:37 AM.
Are there anyway to give someone who already has an account a referral bonus?
Are there any bonuses for opening 360 Savings?
Reply
Joined Jan 2014
L5: Journeyman
> bubble2 699 Posts
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FrannardF
01-25-2021 at 10:01 AM.
01-25-2021 at 10:01 AM.
Quote from ScottoDono View quoted comment :
I would say no. Unless its an ACH. But I would not do it until the account is opened. Not at application

Thanks. It makes sense to keep it simple and just do the deposits after the account is open.
Reply
Joined Dec 2018
luv MyPillow
> bubble2 282 Posts
48 Reputation
JOSEPH.A.THOMAS
01-25-2021 at 10:03 AM.
01-25-2021 at 10:03 AM.
I don't like their television commercials so I'll pass,, some gas.
4
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Joined Dec 2011
L2: Beginner
> bubble2 59 Posts
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kingsd72
01-25-2021 at 10:52 AM.
01-25-2021 at 10:52 AM.
I tried to add an checking account to my existing 360 savings. It goes through all the steps including creating an account number but no account is there in my account. After talking with Capital one 2 times, gave up.
Reply
Joined Jan 2014
L5: Journeyman
> bubble2 699 Posts
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FrannardF
01-25-2021 at 09:27 PM.
01-25-2021 at 09:27 PM.
I tried to put in the promo code and it said "the promotion code has expired". I guess they pulled the promo earlier even though the rules say the promo is valid up to 1/26/21 11:59 PM EST.
Reply
Joined Jul 2005
L9000: Broke Member
> bubble2 3,736 Posts
584 Reputation
EffinAhole
01-25-2021 at 09:31 PM.
01-25-2021 at 09:31 PM.
Quote from FrannardF View quoted comment :
I tried to put in the promo code and it said "the promotion code has expired". I guess they pulled the promo earlier even though the rules say the promo is valid up to 1/26/21 11:59 PM EST.
Maybe they meant 11:59 AM EST... Cause it would be past that.
Reply

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Joined Mar 2019
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> bubble2 909 Posts
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ThePeoplesElbow
01-25-2021 at 09:31 PM.
01-25-2021 at 09:31 PM.
Quote from moazro View quoted comment :
As a heads up, I called capitalone to make sure everything was kosher. Advisor said i didn't put in promo code. 100% sure i did. I even have screen shot of the congratulations with account number and promo code used. He didn't want to see it after i asked if i could email it. He said i did not qualify as it was not added to my account from their view.

Kind of annoying advisor. Escalated it and spoke to someone nicer. He said call back late march to have it manual added. He would notate my account
I got the same bs result with capital one. Their site accepts the code and then if you choose to fund later then all of sudden the code isn't applied. I called and was promised that my account had some notation on it and the rep provided an employee number as a reference. So we'll see if they honor it or not. Like any big corporation it's just another scam to get your info to sell it. We may or may not see the payout.
Reply
Joined Dec 2005
L10: Grand Master
> bubble2 14,723 Posts
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ScottoDono
01-25-2021 at 09:59 PM.
01-25-2021 at 09:59 PM.
Quote from FrannardF View quoted comment :
I tried to put in the promo code and it said "the promotion code has expired". I guess they pulled the promo earlier even though the rules say the promo is valid up to 1/26/21 11:59 PM EST.

You don't need code, use link in op
1
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Joined Apr 2006
L3: Novice
> bubble2 222 Posts
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Alpha359
01-26-2021 at 03:29 AM.
01-26-2021 at 03:29 AM.
Quote from ScottoDono View quoted comment :
You don't need code, use link in op
I'm not sure if that will get you the bonus...

I'm with the other guy, it says the promo code has expired, and I don't want to continue if it's not going to apply. Is there another confirmation screen that shows the promo code applied after the "fund your account" page?
Reply
Joined Dec 2005
L10: Grand Master
> bubble2 14,723 Posts
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ScottoDono
01-26-2021 at 06:35 AM.
01-26-2021 at 06:35 AM.
Quote from Alpha359 View quoted comment :
I'm not sure if that will get you the bonus...

I'm with the other guy, it says the promo code has expired, and I don't want to continue if it's not going to apply. Is there another confirmation screen that shows the promo code applied after the "fund your account" page?

This, I dont know. I just know if I click link from OP it shows offer. Offer says expires today.
Reply
Joined Dec 2010
L6: Expert
> bubble2 1,342 Posts
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gooddog
01-26-2021 at 06:43 AM.
01-26-2021 at 06:43 AM.
It is very likely that those - who did not enter the promo code and were told to add it manually one month after the deadline for DD - will not get 400. I have seen these with South Asian customer services. They will claim that they cannot find any note to the account about the promo, they will repeat the pretentiously polite, heavily accented message they learned from their training video - "We are really sorry for you(r ) trouble, sir ...".

And in the background they may laugh at your name if your name sounds funny to them - it happened with tracfone. About 70 percent of CapOne customer service appear to be South Asian.
1
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Joined Dec 2007
L4: Apprentice
> bubble2 376 Posts
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brownie20
01-26-2021 at 06:47 AM.
01-26-2021 at 06:47 AM.
Received the same error "promotion expired" when attempting to open account a few times early this am (2-3am EST). Just tried again while on the phone with a representative and bonus now appears to apply and confirmed with rep it had been added correctly to new account. Think it was a temporary glitch?
Reply
Joined Dec 2010
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> bubble2 1,342 Posts
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gooddog
01-26-2021 at 07:19 AM.
01-26-2021 at 07:19 AM.
Quote from brownie20 View quoted comment :
Received the same error "promotion expired" when attempting to open account a few times early this am (2-3am EST). Just tried again while on the phone with a representative and bonus now appears to apply and confirmed with rep it had been added correctly to new account. Think it was a temporary glitch?
That means that they are able to add it manually but probably were told to tell the customers that it could not be done and to call after a few months.

It strengthens my suspicion that they meant to deny 400 dollars all along. The usual rationale is that they rely on statistics where a certain percentage of people screw up and it was calculated when the promo was set up in the first place. It also explains why they put up the promo box on the transfer- fund-page; it will further confuse the customers who are likely to think that the promo is for transfering funds.
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Joined Jan 2014
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> bubble2 699 Posts
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FrannardF
01-26-2021 at 07:54 AM.
01-26-2021 at 07:54 AM.
Quote from ScottoDono View quoted comment :
This, I dont know. I just know if I click link from OP it shows offer. Offer says expires today.

The code is back to being valid. Just tried the code 5 mins ago.
1
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