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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

Original Post

Written by
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
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 2015
L1: Learner
> bubble2 23 Posts
17 Reputation
pyroboarder
03-10-2021 at 07:56 AM.
03-10-2021 at 07:56 AM.
Just adding my experience here. Opened early Dec 2020, got my bonus this week. 2 deposits from Robinhood of 1000 and 5 dollars.
Reply
Joined Feb 2008
L6: Expert
> bubble2 1,729 Posts
1,830 Reputation
rotorrocket
03-10-2021 at 09:41 AM.
03-10-2021 at 09:41 AM.
Opened 11/24
3 $510 DDs
still no bonus
Reply
Joined Oct 2017
L3: Novice
> bubble2 896 Posts
733 Reputation
yuvamysterio
03-10-2021 at 10:08 AM.
03-10-2021 at 10:08 AM.
Quick question:
Got the bonus.
Now if we close the account now,
When we will be eligible to apply back?
Any rules in terms of years?

What about tax implications?
I will get 1099 form and include this 400 as taxable income?

Somewhere I read in internet that cashback from credit card need not be reported to IRS.
How about this 400$ bonus?
1
Reply
Joined Jan 2021
L2: Beginner
> bubble2 44 Posts
18 Reputation
SmilingLeopard948
03-10-2021 at 11:41 AM.
03-10-2021 at 11:41 AM.
Quote from yuvamysterio View quoted comment :
Quick question:
Got the bonus.
Now if we close the account now,
When we will be eligible to apply back?
Any rules in terms of years?

What about tax implications?
I will get 1099 form and include this 400 as taxable income?

Somewhere I read in internet that cashback from credit card need not be reported to IRS.
How about this 400$ bonus?
Bank bonus is not considered a rebate so you will receive 1099 from them
Reply
Joined May 2012
L2: Beginner
> bubble2 86 Posts
25 Reputation
mky602
03-10-2021 at 11:53 AM.
03-10-2021 at 11:53 AM.
Opened account on 11/17, made 4 deposits totaling $1400
Still no bonus here.
Reply
Joined Oct 2017
L4: Apprentice
> bubble2 300 Posts
324 Reputation
jesudas
03-10-2021 at 12:39 PM.
03-10-2021 at 12:39 PM.
Quote from jesudas View quoted comment :
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.
Person 1: just got the $400.
Person 2: will call them on March 18th. Now, we are confident that the we will get the $400 for this as well. will keep you all posted​
Reply
Joined Oct 2017
L4: Apprentice
> bubble2 300 Posts
324 Reputation
jesudas
03-10-2021 at 12:49 PM.
03-10-2021 at 12:49 PM.
Quote from mky602 View quoted comment :
Opened account on 11/17, made 4 deposits totaling $1400
Still no bonus here.
Please call them. please see my updates in above post. if you call today, you will get your $400 by next week wednesday
Reply

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Joined Oct 2017
L4: Apprentice
> bubble2 300 Posts
324 Reputation
jesudas
03-10-2021 at 12:50 PM.
03-10-2021 at 12:50 PM.
Quote from rotorrocket View quoted comment :
Opened 11/24
3 $510 DDs
still no bonus
Please call them. please see my updates in above post. if you call today, you will get your $400 by next week wednesday
Reply
Joined Jan 2011
L4: Apprentice
> bubble2 396 Posts
140 Reputation
phred_t
03-10-2021 at 02:48 PM.
03-10-2021 at 02:48 PM.
Opened account 11/22. Made two direct deposits totaling over $1k within a week and a half. No bonus.

Called and they claimed I didn't enter the code, which I most certainly did. They say I should hear something back in 20 days. The customer service lady was super nice. Regardless, I'm annoyed.
Reply
Joined Oct 2004
GET LUCKY
> bubble2 4,493 Posts
4,105 Reputation
rukster
03-10-2021 at 05:31 PM.
03-10-2021 at 05:31 PM.
This lame "you didn't enter the code" excuse should stop..I'm 110% sure i did enter it but should have taken screen shot. I guess more people signed up than they expected?

Just annoyed that you have to call and ask...
Reply
Joined Aug 2007
L3: Novice
> bubble2 107 Posts
14 Reputation
leonevar
03-11-2021 at 11:48 AM.
03-11-2021 at 11:48 AM.
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.

Bonus received! Wow that was quick. Cap 1 you have pleasantly exceeded expectations.
Reply
Joined May 2006
L7: Teacher
> bubble2 3,022 Posts
414 Reputation
CreepyLilBeast
03-11-2021 at 04:15 PM.
03-11-2021 at 04:15 PM.
Do we need to keep the account open for some time after we got the bonus?
Or is it ok to close after a week or so?
Reply
Joined Jul 2006
abused user
> bubble2 4,242 Posts
1,403 Reputation
ubiquitous
03-11-2021 at 05:46 PM.
03-11-2021 at 05:46 PM.
never got bonus. capital one sucks.
Reply
Joined Dec 2015
L4: Apprentice
> bubble2 397 Posts
106 Reputation
aboyinthebox
03-12-2021 at 10:30 AM.
03-12-2021 at 10:30 AM.
any one who missed 60 days deadline to deposit and still got the bonus reward somehow?
Reply

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Joined Sep 2015
L3: Novice
> bubble2 289 Posts
34 Reputation
sbimos
03-12-2021 at 12:29 PM.
03-12-2021 at 12:29 PM.
I enrolled mid December, finished deposits first week of January, my reward just popped a few minutes ago.
Reply
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