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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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Score
+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 Nov 2006
L5: Journeyman
> bubble2 702 Posts
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compy168
03-30-2021 at 10:57 AM.
03-30-2021 at 10:57 AM.
I opened my account on Jan 2nd, 2021 and completed the 2 DD at the end of Jan. Should I call them about the bonus next week (1st week of April)? Is there a chat/email to contact them where I can keep the conversation as record? Thanks!
Reply
Joined Sep 2004
L3: Novice
> bubble2 196 Posts
17 Reputation
boomerang86
03-31-2021 at 01:56 AM.
03-31-2021 at 01:56 AM.
March 31, no bonus yet. Waiting until 4PM EDT to call and rant.
Reply
Joined Aug 2018
New User
> bubble2 7 Posts
10 Reputation
paul_24
03-31-2021 at 05:27 AM.
03-31-2021 at 05:27 AM.
I guess I screwed up big time. I initiated the 2 transfers from CapitalOne after linking my account there and not from a financial institution. When I called them, they said that the deposits must have be received into the 360 account and initiated from an outside account. I mean I don't remember that being a requirement but I guess it was. They said this disqualified me from the promotion.
Reply
Last edited by paul_24 March 31, 2021 at 06:17 AM.
Joined Mar 2007
L6: Expert
> bubble2 1,031 Posts
269 Reputation
doglover1
03-31-2021 at 05:53 AM.
03-31-2021 at 05:53 AM.
Quote from compy168 View quoted comment :
I opened my account on Jan 2nd, 2021 and completed the 2 DD at the end of Jan. Should I call them about the bonus next week (1st week of April)? Is there a chat/email to contact them where I can keep the conversation as record? Thanks!
Doesn't seem to be a chat/email feature which is annoying. Requires a phone call. I haven't received my bonus either.
Reply
Joined Sep 2004
L3: Novice
> bubble2 196 Posts
17 Reputation
boomerang86
03-31-2021 at 06:22 AM.
03-31-2021 at 06:22 AM.
Absolute BS company. They are denying me the bonus BC my wife's individual account, dormant for over ten years, wasn't reported closed until July 2020.

Closing my 360 account ASAP and flaming this joke of a company on SM!!!
Reply
Joined Dec 2015
L3: Novice
> bubble2 271 Posts
46 Reputation
banch0ng
03-31-2021 at 07:16 AM.
03-31-2021 at 07:16 AM.
Called this morning, I had 3 deposits post within the first 60 days after account opening in November, the guy said they will start the 20 day review and will contact me after that.

Then he had to check some personal information, and put me on hold. Came back and said "I see what happened, you didn't put the bonus code in". I told him I 100% did put the code in, and I have a screenshot which seemed to surprise him for a moment. He said once the review is complete, I will have the option of sending the screenshot in as evidence.

I did not take a screenshot however, so if they do require that I'm screwed. Either way, what an absolute joke of a company this is. I know I put the code in, for me and my gf who also has not received her bonus. It's 100% obvious they are hoping people forget about the bonus, and when we do remember and call in, they are getting a script from a manager to say we forgot to put a code in.

Can someone who took a screenshot provide a copy to those of us so we can use to send to them if they do end up requiring this?
Reply
Last edited by banch0ng March 31, 2021 at 08:09 AM.
Joined Jan 2016
L2: Beginner
> bubble2 52 Posts
18 Reputation
herz74
03-31-2021 at 08:00 AM.
03-31-2021 at 08:00 AM.
Quote from paul_24 View quoted comment :
I guess I screwed up big time. I initiated the 2 transfers from CapitalOne after linking my account there and not from a financial institution. When I called them, they said that the deposits must have be received into the 360 account and initiated from an outside account. I mean I don't remember that being a requirement but I guess it was. They said this disqualified me from the promotion.

I called earlier today and they told me the same thing. Apparently I pulled the money into my Capital One acct from my Ally acct, when I should have pushed it from Ally into Capital One. Ugh!
Reply

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Joined Nov 2006
L5: Journeyman
> bubble2 702 Posts
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compy168
03-31-2021 at 08:06 AM.
03-31-2021 at 08:06 AM.
Quote from doglover1 View quoted comment :
Doesn't seem to be a chat/email feature which is annoying. Requires a phone call. I haven't received my bonus either.

Looks like I don't have to call, got mine today!
Reply
Joined Aug 2004
L2: Beginner
> bubble2 70 Posts
12 Reputation
Nycxazn11
03-31-2021 at 08:08 AM.
03-31-2021 at 08:08 AM.
Called today and informed they do NOT see the code entered. I told the agent 100% i inputted the code. He said my account will be reviewed and expect an answer within 20 days. If all requirements are met I will see the $400.

They not seeing the code in their system seems to be an ongoing issue on their end or just some excuse hoping we forgot about the bonus.
Reply
Joined Jan 2021
New User
> bubble2 7 Posts
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goryr881
03-31-2021 at 08:28 AM.
03-31-2021 at 08:28 AM.
Nothing for me yet either. I did it all correctly too. Guess I'll wait and see....
Reply
Joined Nov 2007
L5: Journeyman
> bubble2 666 Posts
161 Reputation
jonesle7
03-31-2021 at 08:29 AM.
03-31-2021 at 08:29 AM.
I didn't receive the bonus. I made real direct deposits and called today and now have to play the 20 day waiting game. I don't expect that they will actually pay the bonus.
Reply
Joined Jan 2021
New User
> bubble2 7 Posts
10 Reputation
goryr881
03-31-2021 at 08:35 AM.
03-31-2021 at 08:35 AM.
Quote from jonesle7 View quoted comment :
I didn't receive the bonus. I made real direct deposits and called today and now have to play the 20 day waiting game. I don't expect that they will actually pay the bonus.
I hope your wrong, but I don't think you are....
Reply
Joined Nov 2019
L3: Novice
> bubble2 117 Posts
18 Reputation
AlwaysBePirate
03-31-2021 at 09:23 AM.
03-31-2021 at 09:23 AM.
Some banks/financial institutions are better than others when it comes to promotions. Never had issues receiving bonuses with Chase bank for example and now they even have easily accessible bonus tracker on their app.... CapitalOne on the other hand either did not anticipate such a great turn out or just intentionally is making it difficult.
I got this thing to a science and pretty good at reading fine print so when I failed to receive the bonus by specified date I called and just as many others I got generic responses (did not put the code in ets). They "could not" accept screen shots because they "don't have email" but are opening a review case. They also implied this offer was directly targeted offer and were asking how I got across it .... so I guess we will find out within 20 days if I wasted almost three month on this ....
Those who has gone throw review, are they pretty good about granting it ? Or is it just waste of another month to wait ?
Reply
Joined Oct 2008
L5: Journeyman
> bubble2 546 Posts
46 Reputation
saberlol
03-31-2021 at 10:41 AM.
03-31-2021 at 10:41 AM.
I havent gotten my bonus either. Is there anywhere we can see if the promo code is applied to our account? I know I inputted it and it showed it on the screen before but just curious before I call
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Joined Jul 2010
L5: Journeyman
> bubble2 576 Posts
86 Reputation
Xception2ThRule
03-31-2021 at 02:35 PM.
03-31-2021 at 02:35 PM.
For those saying they entered the bonus code, why the heck would you not screenshot the confirmation in a promo like this???
Reply
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