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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 May 2004
star star Megastar
> bubble2 1,329 Posts
218 Reputation
megastar
05-13-2021 at 04:51 PM.
05-13-2021 at 04:51 PM.
Quote from wahooo12345 View quoted comment :
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
I received with in few days even though they said 30 days.
Reply
Joined May 2017
L2: Beginner
> bubble2 28 Posts
10 Reputation
apundhir1
05-18-2021 at 09:43 AM.
05-18-2021 at 09:43 AM.
Can I close the account now?
Reply
Joined Aug 2019
L3: Novice
> bubble2 118 Posts
30 Reputation
Tempo4200
05-21-2021 at 02:29 PM.
05-21-2021 at 02:29 PM.
FINALLY got my bonus. Took multiple calls for them to manually review my account but just got it today. Just wondering how long I have to wait to close the account. Might wait a month or two.
Reply
Joined Nov 2018
New User
> bubble2 6 Posts
10 Reputation
vegasrugby
05-28-2021 at 02:29 PM.
05-28-2021 at 02:29 PM.
Thanks to everyone for sharing how you were able to get the promo bonus. I was expecting to get mine as they listed by Feb 2021 but waited til March to call when it didn't happen. In April I found info to show the promo was entered and account was coded for the bonus cash. Jumping thru the hoops was discouraging. But hearing everyone else's story, I now have hope.
Reply
Joined Nov 2014
L2: Beginner
> bubble2 60 Posts
14 Reputation
dxj8842
06-02-2021 at 12:51 PM.
06-02-2021 at 12:51 PM.
Quote from apundhir1 View quoted comment :
Can I close the account now?

Following
Reply
Joined Feb 2008
L4: Apprentice
> bubble2 355 Posts
73 Reputation
mrthi88
06-11-2021 at 01:33 PM.
06-11-2021 at 01:33 PM.
Apparently, I did not meet the qualifications for the bonus because I initiated a transfer from my bank through Capital One. The rep told me if I used my bank to send funds to Capital One, it would qualify as a direct deposit.

Stupid.

I had her close my accounts immediately.
Reply
Joined Aug 2012
New User
> bubble2 10 Posts
10 Reputation
va_sj
06-14-2021 at 09:57 AM.
06-14-2021 at 09:57 AM.
Capital One rejected my bonus request.
We have thoroughly researched your request; however, we determined that the transfers from your Bank of America account are not considered a qualifying deposit for the bonus.
Because the funds were initiated on the Capital One website, we are unable to provide a bonus.
Reply

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Joined Sep 2013
New User
> bubble2 1 Posts
10 Reputation
kunald5477
06-18-2021 at 10:49 AM.
06-18-2021 at 10:49 AM.
Took them a week after I called to research why I didn't get the $400, finally it came into my account this morning.

Note: my two totaling $1000 was deposit from a bank account only not through employer direct deposit.

Best!
Reply
Joined Oct 2005
Hollander
> bubble2 3,290 Posts
1,132 Reputation
ljviss
06-21-2021 at 10:10 AM.
06-21-2021 at 10:10 AM.
There is a new offer to Earn $150 with Capital One 360 Checking.



https://www.capitalone.com/bonus150/
Reply
Joined Apr 2009
L2: Beginner
> bubble2 109 Posts
10 Reputation
mnmshop
06-23-2021 at 11:30 AM.
06-23-2021 at 11:30 AM.
Does anyone know when we can cancel the account
Reply
Joined Oct 2011
L2: Beginner
> bubble2 37 Posts
18 Reputation
thirsty4deal
07-01-2021 at 05:49 AM.
07-01-2021 at 05:49 AM.
Quote from mnmshop View quoted comment :
Does anyone know when we can cancel the account
Following....
Reply
Joined Oct 2010
L6: Expert
> bubble2 1,715 Posts
676 Reputation
jackc6900
07-01-2021 at 05:56 PM.
07-01-2021 at 05:56 PM.
Quote from thirsty4deal View quoted comment :
Following....

Once you have your bonus you can close it. Transfer money out so account balance is zero before you call so they can't try any funny business.
Reply
Joined Nov 2017
L4: Apprentice
> bubble2 307 Posts
115 Reputation
Mark_Twine
08-05-2021 at 12:53 PM.
08-05-2021 at 12:53 PM.
GOAT.. I dint realize I still have this in my saved deals.. still bank with them as a second checking acct.. no issues at all.. no hassles redeeming too..
Reply
Joined Jan 2010
L5: Journeyman
> bubble2 584 Posts
439 Reputation
kstar1990
09-20-2021 at 07:44 PM.
09-20-2021 at 07:44 PM.
anyone else have trouble with the transfers timeframe. Apparently, im right outside the within 60 days for my second deposit. They are including the account opening day in the 60 day count... i initiated the ach the day before but it didnt post til the next day. They are saying im at 61 days so i dont qualify...
Reply

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Joined Jun 2010
Sum Boodee
> bubble2 400 Posts
94 Reputation
element72
10-02-2021 at 01:56 PM.
10-02-2021 at 01:56 PM.
Ya it's really dumb. U can't do direct deposit initiated through the capitalone website. You had to do a zelle transfer or initiate transfer on other bank website, like US bank for example. It has to be a direct deposit, initiated outside of the capitalone website, essentially.

I talked to the account manager. I ended up asking him to send an exception letter. Wait 20 days to receive a deny and reason, or an honored $400. I have low expectations but wanted to try at least something. Hopefully, I remember to reply back here to update everyone.
Reply
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