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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

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
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 Mar 2021
New User
> bubble2 3 Posts
10 Reputation
TealReward8723
04-23-2021 at 12:39 PM.
04-23-2021 at 12:39 PM.
Quote from PDBaba View quoted comment :
Same! I remember checking a few times if I had entered the code. It was very much there. They fed me the same garbage of 20 business days. Either I get the bonus or am so done with them.

Took them a couple days after I called but got it !
Reply
Joined Oct 2018
L3: Novice
> bubble2 260 Posts
105 Reputation
PDBaba
04-25-2021 at 05:13 PM.
04-25-2021 at 05:13 PM.
Quote from TealReward8723 View quoted comment :
Took them a couple days after I called but got it !

Great! I got too.. took them a week to credit but all good now..
Reply
Joined Nov 2017
New User
> bubble2 7 Posts
10 Reputation
herrick90
04-26-2021 at 08:00 AM.
04-26-2021 at 08:00 AM.
Calling them now. Their system "didn't show promo offer" and was escalated to a specialist to enter my info for the 20 day review. I know I followed the steps here with everyone else. They're going to make you work for it.
Reply
Joined Aug 2019
L3: Novice
> bubble2 118 Posts
30 Reputation
Tempo4200
04-27-2021 at 01:27 AM.
04-27-2021 at 01:27 AM.
Quote from madshakes View quoted comment :
If I close the account now, will I still get the tax form later?

You'll get a 1099-INT form in the mail.
Reply
Joined May 2017
L2: Beginner
> bubble2 28 Posts
10 Reputation
apundhir1
04-27-2021 at 11:11 PM.
04-27-2021 at 11:11 PM.
Can I close my account now?
Reply
Joined Nov 2007
L6: Expert
> bubble2 1,211 Posts
179 Reputation
HeadlessCloneOfAgnew
04-30-2021 at 06:50 AM.
04-30-2021 at 06:50 AM.
I signed up last November and never got it, but I called on Monday and they said they were looking into it. $400 posted this morning, so if you haven't received it just call and hopefully they will add it for you.
Reply
Joined Nov 2012
L3: Novice
> bubble2 294 Posts
96 Reputation
NogginBoink
04-30-2021 at 11:30 AM.
04-30-2021 at 11:30 AM.
Called today; was told that everything on the account looked correct and an exception report would be filed. Hope to see my $400 soon!
Reply

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Joined Dec 2014
L3: Novice
> bubble2 276 Posts
njitzyc
05-02-2021 at 06:29 PM.
05-02-2021 at 06:29 PM.
They lie to me that I didn't open account with coupon. I have screenshot proof. Should I file a complaint to fdic?
Reply
Joined Dec 2014
L3: Novice
> bubble2 276 Posts
njitzyc
05-02-2021 at 06:35 PM.
05-02-2021 at 06:35 PM.
Quote from boomerang86 View quoted comment :
After a nice letter to corporate outlying my situation they are still refusing to pay the bonus. F them. Lifetime boycott. S**thole company. Dump them.
File a complaint?
https://www.fdic.gov/consumers/as...laint.html
Reply
Joined Nov 2006
L6: Expert
> bubble2 1,288 Posts
223 Reputation
AznAnt
05-03-2021 at 02:38 PM.
05-03-2021 at 02:38 PM.
Quote from njitzyc View quoted comment :
They lie to me that I didn't open account with coupon. I have screenshot proof. Should I file a complaint to fdic?

Did you try calling them and go thru that 20 day wait period?
I didn't get my bonus, called them and was told no code was entered BS, told them I have a screen shot, they didn't care. Escalated it and I got my bonus after 10 days.
Reply
Joined Dec 2014
L3: Novice
> bubble2 276 Posts
njitzyc
05-03-2021 at 07:02 PM.
05-03-2021 at 07:02 PM.
Quote from AznAnt View quoted comment :
Did you try calling them and go thru that 20 day wait period?
I didn't get my bonus, called them and was told no code was entered BS, told them I have a screen shot, they didn't care. Escalated it and I got my bonus after 10 days.
called and didn't wait for the 20 days yet. I will wait a little more...
Reply
Joined Feb 2006
L5: Journeyman
> bubble2 596 Posts
60 Reputation
mindmeltnyc
05-04-2021 at 10:02 AM.
05-04-2021 at 10:02 AM.
I opened an a 360 checking in November and the bonus was NOT automatically applied.

It took alot of polite effort get this bonus granted.

I called the Capital One number. It goes to an outsourced call center. The first operator is a gatekeeper. The agent will explain to you their reason that you did not get the bonus and cover a couple common points to get you accept the denial and be done with this.

The agent will ask about the use of the promo code to put the promo eligibility into questions. He or she may say the code wasn't entered. You will need to politely maintain that it certainly was.

The agent will then address your deposits perhaps suggesting you did not meet the requirements of the offer (perhaps some deposits aren't ACH transactions or a deposit was a pull and it needed to be a push).

After these matters have been discussed the agent might try to have you come to an agreement with them, telling you that you did not meet the requirements. If you accept this; It's considered settled (not in your favor).

You need to have this matter escalated to a supervisor in order to have a chance at being granted this bonus, and should ask the agent to allow you to speak with one. There will be a warm transfer to another agent in the United States. This agent can escalate the issue with a ticket to appeal to have the bonus applied. IT IS SO IMPORTANT TO BE POLITE TO THIS PARTICULAR AGENT.

Folks, you must be firm but you MUST be polite. It is key to be polite!

You CAN certainly tell them that if you do not receive the bonus that you do not see your business relationship exanding with Capital One. It could help you to state your intentions and/or dissatisfaction BUT YOU MUST BE POLITE. Make it a game to be polite, it is worth it.

I received my bonus at the begining of this month. I was told 20 days and it came in CHA-CHING at the new month.

I was preparing myself for the disappointment of losing the bonus but to my delight it came through.

I hope this can help someone, you can do this too. Make it a game, challenge yourself to be polite and handle this call, it is worth it.

YOU CAN HANDLE THIS.
Reply
Joined Jul 2006
L10: Grand Master
> bubble2 8,173 Posts
1,221 Reputation
bigbearballs
05-04-2021 at 10:25 AM.
05-04-2021 at 10:25 AM.
Quote from mindmeltnyc View quoted comment :
I opened an a 360 checking in November and the bonus was NOT automatically applied.

It took alot of polite effort get this bonus granted.

I called the Capital One number. It goes to an outsourced call center. The first operator is a gatekeeper. The agent will explain to you their reason that you did not get the bonus and cover a couple common points to get you accept the denial and be done with this.

The agent will ask about the use of the promo code to put the promo eligibility into questions. He or she may say the code wasn't entered. You will need to politely maintain that it certainly was.

The agent will then address your deposits perhaps suggesting you did not meet the requirements of the offer (perhaps some deposits aren't ACH transactions or a deposit was a pull and it needed to be a push).

After these matters have been discussed the agent might try to have you come to an agreement with them, telling you that you did not meet the requirements. If you accept this; It's considered settled (not in your favor).

You need to have this matter escalated to a supervisor in order to have a chance at being granted this bonus, and should ask the agent to allow you to speak with one. There will be a warm transfer to another agent in the United States. This agent can escalate the issue with a ticket to appeal to have the bonus applied. IT IS SO IMPORTANT TO BE POLITE TO THIS PARTICULAR AGENT.

Folks, you must be firm but you MUST be polite. It is key to be polite!

You CAN certainly tell them that if you do not receive the bonus that you do not see your business relationship exanding with Capital One. It could help you to state your intentions and/or dissatisfaction BUT YOU MUST BE POLITE. Make it a game to be polite, it is worth it.

I received my bonus at the begining of this month. I was told 20 days and it came in CHA-CHING at the new month.

I was preparing myself for the disappointment of losing the bonus but to my delight it came through.

I hope this can help someone, you can do this too. Make it a game, challenge yourself to be polite and handle this call, it is worth it.

YOU CAN HANDLE THIS.
Thank you Tony Robbins.
Reply
Joined Jul 2020
L1: Learner
> bubble2 37 Posts
10 Reputation
3BeansandDreams
05-04-2021 at 11:03 AM.
05-04-2021 at 11:03 AM.
Got it! It took a lot of patience and persistence. They try every reason to deny u. But if you hold your ground and speak with confidence with a little bit of politeness it should work.
Reply

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Joined Aug 2004
L4: Apprentice
> bubble2 428 Posts
381 Reputation
wahooo12345
05-11-2021 at 01:39 PM.
05-11-2021 at 01:39 PM.
I did not get my bonus. I called today.
The rep said there is no code in my account.

I don't remember I entered the code "bonus400" when I sign up.
Maybe it is my own fault.

The rep said they will review it and it may take 30 days to review
Reply
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