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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
688,309 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
688,309 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 Oct 2017
L7: Teacher
> bubble2 2,837 Posts
867 Reputation
02nz
03-04-2021 at 07:05 PM.
03-04-2021 at 07:05 PM.
Short version: My bonus just posted after a manual review (the promo code did not prefill for me).

I missed the (very easy to miss) box where you were supposed to input the promo code. I called Capital One right after opening the account in November, they said you'll need to call back after February 3 (or thereabouts). I went ahead and met all requirements (and also did a dozen or so bill payments and used the debit card a few times). I called back February 8, they said no you have to call back after February 12. So I called around February 20, it was a long call (maybe 30 minutes), but the rep took down the info and created a case for manual review. The $400 bonus just posted yesterday.

So Capital One is pretty scammy (my past experience as well), but persistence pays off.
1
Reply
Joined Aug 2019
L3: Novice
> bubble2 118 Posts
30 Reputation
Tempo4200
03-04-2021 at 09:14 PM.
03-04-2021 at 09:14 PM.
Did anyone else use Ally savings for the ach push and work?
Reply
Joined Dec 2006
L6: Expert
> bubble2 1,457 Posts
479 Reputation
GeorgeMcFly
03-05-2021 at 06:50 AM.
03-05-2021 at 06:50 AM.
Quote from 02nz View quoted comment :
So I called around February 20, it was a long call (maybe 30 minutes), but the rep took down the info and created a case for manual review. The $400 bonus just posted yesterday.
Little annoying you had to be on the call that long, but glad it paid off.
Reply
Joined Aug 2005
L7: Teacher
> bubble2 2,983 Posts
295 Reputation
B/B
03-05-2021 at 07:51 AM.
03-05-2021 at 07:51 AM.
So I reached out to C1 to verify the bonus Wednesday. C1 did not see the bonus promotion code added to the account so CSR made an adjustment and couple days later it was deposited into my account. Well done Capital One.
Reply
Last edited by B/B March 5, 2021 at 02:36 PM.
Joined Oct 2017
L4: Apprentice
> bubble2 300 Posts
324 Reputation
jesudas
03-05-2021 at 05:11 PM.
03-05-2021 at 05:11 PM.
2 people from our household opened this account. Both of them have not received the $400 bonus yet. Here is where we stand. For both accounts, we have screen shot which reflects the Bonus400 code. For both account, we did not link a bank account through capital one website.

Person 1:
- Account opened on Nov 15th
- Direct deposit is still ON for this account. Each month, we are depositing 1001 twice through direct deposit since Nov 20th.
- Made the call today (Mar 5th). they said, they cannot find the promo code in our account. they said they will make an exception request and will take 20 days for an outcome.

Person 2:
- Account opened on Dec 18th
- Direct deposit is still ON for this account. Each month, we are depositing 1001 once through direct deposit. Direct deposit is ON from Dec month.
- Made the call today (Mar 5th). they said, they cannot find the promo code in our account. they asked me to call back on March 18th (90 days from account opening date)
- So, we will have to call them on March 18th.

If any updates, I will come back.
Reply
Joined May 2005
L2: Beginner
> bubble2 70 Posts
10 Reputation
sumang24
03-06-2021 at 12:39 PM.
03-06-2021 at 12:39 PM.
Quote from sumang24 View quoted comment :
Just spoke to customer service , He mentioned that ACH from another financial institution should also qualify.

Thanks
I got the $400 promo credit without any issues. Hope this helps others as well .

Thanks
Reply
Last edited by sumang24 March 6, 2021 at 12:46 PM.
Joined Jun 2007
L3: Novice
> bubble2 161 Posts
130 Reputation
m_mnc
03-07-2021 at 03:21 AM.
03-07-2021 at 03:21 AM.
ACH from fidelity worked and received $400 bonus in feb 16. Thanks
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Joined Sep 2007
L4: Apprentice
> bubble2 390 Posts
53 Reputation
mfmruizv
03-07-2021 at 05:22 PM.
03-07-2021 at 05:22 PM.
Filed November, called in to see status, was told I didn't enter code. I am 100% it was but they said they would send for a second review and get a response within 20 days. What a bunch of crooks
Reply
Joined Mar 2018
New User
> bubble2 18 Posts
10 Reputation
CoolHorn244
03-08-2021 at 12:55 PM.
03-08-2021 at 12:55 PM.
Called Capital One and the guy says the only qualifying ACH transfers are "payroll, pension or government payments (such as Social Security) by your employer or an outside institution." I did 2 ACH transfers $500 each from my other bank account which doesn't qualify. That's definitely not what the promotion says. He says he'll put my account in for a second review. It's bullshit if you ask me.
Reply
Joined Nov 2006
L10: Grand Master
> bubble2 13,131 Posts
1,065 Reputation
poohbie
03-08-2021 at 05:35 PM.
03-08-2021 at 05:35 PM.
Quote from SuplexCity View quoted comment :
There is no clawback. Some comments on DoC mentioned that its better to close the account earlier so that you can qualify for the next bonus sooner. Unethical though...but then this is SD.
Yup, restart the clock. At 0.1% interest, not much appeal to the account besides if you travel internationally and need an ATM/debit card with no foreign transaction fee.
Reply
Last edited by poohbie March 8, 2021 at 05:44 PM.
Joined Dec 2007
L4: Apprentice
> bubble2 376 Posts
523 Reputation
brownie20
03-09-2021 at 06:58 AM.
03-09-2021 at 06:58 AM.
For those of you who used fidelity and received the bonus, may I ask did you go to the transfer tab where you can transfer funds to a bank account or use another method (wire transfer)? On capital one's website the fidelity transfer is showing as an electronic transfer (doesn't say ACH). Thanks for any insight!
Reply
Last edited by brownie20 March 9, 2021 at 07:03 AM.
Joined Dec 2018
Always Tinkering
> bubble2 60 Posts
64 Reputation
Installed64
03-09-2021 at 11:30 AM.
03-09-2021 at 11:30 AM.
Bonus received! Even though my direct deposits from work showed up on Capital One statements as an "electronic transfer" and not "ACH", they were indeed ACH.
Reply
Joined Aug 2007
L3: Novice
> bubble2 107 Posts
14 Reputation
leonevar
03-09-2021 at 11:52 AM.
03-09-2021 at 11:52 AM.
Quote from mfmruizv View quoted comment :
Filed November, called in to see status, was told I didn't enter code. I am 100% it was but they said they would send for a second review and get a response within 20 days. What a bunch of crooks

I am in the same boat. I am usually so careful with this stuff!! Submit for 2nd review, 20 days window.
Reply
Joined Oct 2004
GET LUCKY
> bubble2 4,493 Posts
4,105 Reputation
rukster
03-09-2021 at 07:22 PM.
03-09-2021 at 07:22 PM.
Quote from leonevar View quoted comment :
I am in the same boat. I am usually so careful with this stuff!! Submit for 2nd review, 20 days window.
what number and prompts are guys using to call to get to this review? I called 2 weeks ago and got the BS talk of you have to wait until 3/31 and they can't check if i entered the code or not.
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Joined Aug 2007
L3: Novice
> bubble2 107 Posts
14 Reputation
leonevar
03-09-2021 at 07:26 PM.
03-09-2021 at 07:26 PM.
Quote from rukster View quoted comment :
what number and prompts are guys using to call to get to this review? I called 2 weeks ago and got the BS talk of you have to wait until 3/31 and they can't check if i entered the code or not.

Main number and said operator when prompted then "bonus" when asked to clarify. If you called two weeks ago that was still Feb.. I waited to call til March because the bonus was supposed to hit this month. Hope that helps!
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