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Open a Capital One 360 Checking Account and get a $350 Checking Bonus!

+298 Deal Score
244,376 Views
This is not as good as the BONUS400 from 3 years ago, but this is the best offer we have seen from Capital One to open a 360 checking account.

Earn $350 with 360 Checking

Update (10/29/23): This has been shortened to end on 10/30/23.

Open with code BONUS350 by January 9, 2024 and complete the steps below.

1. Open 360 Checking
Open a new account by January 9, 2024 using the promo code BONUS350.

2. Get direct deposits
Set up and receive at least 2 direct deposits, each of $250 or more, within 75 days of account opening.

3. Bonus time
Your $350 bonus will be deposited into your new account after you complete these steps. See footnotes for timing.

https://www.capitalone.com/bank/bonus350/

Here's the full scoop on how to earn your $350 bonus:

Open a 360 Checking account between 12:00 a.m. ET on August 2, 2023 and 11:59 p.m. ET on January 9, 2024. When you open your account, ensure you enter in the promotional code BONUS350 in the Promo Code box.

Set up and receive at least 2 qualifying direct deposits each of $250 or more to your 360 Checking account within 75 days of account opening. A Qualifying Direct Deposit is a regular periodic payment, such as salary, pension, government payments (for example, Social Security), or other monthly income that occurs as an Automated Clearing House (ACH) or Real-Time Payment network credit from your employer or an outside institution. ACH credits or fund transfers initiated via the Capital One website or mobile app and wires are not considered a Qualifying Direct Deposit.

When will I get my bonus?
Your bonus will be deposited into your account within 60 days after you have completed the requirements above. This 60-day period begins the day after your second Qualifying Direct Deposit has been posted to your account.

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 per account. Bonus is only valid for one new 360 Checking account. The amount of your bonus will be reported on IRS form 1099-INT to the IRS (and your state revenue authority, if required).

If you have or had an open 360 Checking, Simply Checking, Total Control Checking or Money Teen Checking account as a primary or secondary account holder with Capital One on or after January 1, 2021, 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.
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Deal
Score
+298
244,376 Views
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.

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Joined Nov 2017
L6: Expert
> bubble2 1,704 Posts
698 Reputation
hizzledizzle
08-03-2023 at 06:25 PM.
08-03-2023 at 06:25 PM.
Quote from BigPapa5 :
How's capital one as a bank in general? I'm thinking of switching to it on a more permanent basis not just for the bonus. Thanks
Not sure about banking, but with their credit cards the perks and general experience is pretty good. My biggest issue has been that they're a bit stingy with some of their rewards (I've had then not honor bonuses on purchases through their 'offers' portal, and it's a little harder to redeem points/benefits than with some other card companies). They also got rid of their live chat function, so you have to call customer service to resolve any issues. Again, all of this could be different with their banking arm.
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Joined Aug 2009
L3: Novice
> bubble2 259 Posts
57 Reputation
json32453
08-03-2023 at 06:31 PM.
08-03-2023 at 06:31 PM.
Quote from hpark21 :
Do it for you, your wife AND joint. 3 separate accounts!!!!

How do you create joint account? And will that be eligible?
Reply
Joined Aug 2023
New User
> bubble2 2 Posts
10 Reputation
euuser33085316
08-03-2023 at 07:10 PM.
08-03-2023 at 07:10 PM.
How do you know if the ach from fidelity qualified? Do I just need to wait after the second transfer? Any idea how long?
Reply
Joined Oct 2018
L2: Beginner
> bubble2 1,292 Posts
163 Reputation
3pinephrine
08-03-2023 at 07:27 PM.
08-03-2023 at 07:27 PM.
Quote from eeddii22 :
Commenters from the thread last year said they transferred money to robinhood and then transferred it to capital one and it counted as direct deposits, going to try that here.
Wonder if this works with other exchanges or cashapp too?
Reply
Joined Jul 2017
L6: Expert
> bubble2 1,412 Posts
164 Reputation
slicksdeal
08-03-2023 at 08:49 PM.
08-03-2023 at 08:49 PM.
Quote from IndigoKestrel8778 :
How do you know if the ach from fidelity qualified? Do I just need to wait after the second transfer? Any idea how long?
That's what I would like to know also. If you wait 60 days it might be too late.
Reply
Joined May 2019
L6: Expert
> bubble2 1,047 Posts
30 Reputation
Tj11989
08-03-2023 at 09:06 PM.
08-03-2023 at 09:06 PM.
I'm sorry if this is a dumb question - I get paid by check at work every 2 weeks. I always mobile deposit it. Would this count as a Direct deposit?
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Joined Jun 2019
L4: Apprentice
> bubble2 419 Posts
94 Reputation
CleverChicken951
08-03-2023 at 09:51 PM.
08-03-2023 at 09:51 PM.
Quote from Tj11989 :
I'm sorry if this is a dumb question - I get paid by check at work every 2 weeks. I always mobile deposit it. Would this count as a Direct deposit?

Most likely not
I may have replied you same response, on another identical thread
If you are able to make online transfer from your other bank to new account, it might be considered - appears to be (my understanding), out of previous comments in this thread
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Joined Aug 2018
L3: Novice
> bubble2 115 Posts
26 Reputation
Living_Legend
08-03-2023 at 10:44 PM.

Our community has rated this post as helpful. If you agree, why not thank Living_Legend

08-03-2023 at 10:44 PM.
Quote from Undisclosed :
Depends on the bank, many users have had success using the banks I mentioned above.

I've done it with other checking account offers like this one from my Chase account. I've linked the checking account like Capital One to my chase account and then initiated a "push" transfer from my Chase account instead of initiating the transfer from Capital One to "pull" the funds over. You have to choose a slow transfer which Chase calls a standard transfer instead of a real time transfer. The slow transfer is considered an ACH transfer to the receiving bank. I've gotten bonuses from 5th 3rd and Wells Fargo doing it this way. Hope this helps!
2
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Joined Sep 2016
L7: Teacher
> bubble2 2,300 Posts
1,678 Reputation
VidyaG9025
08-03-2023 at 11:15 PM.
08-03-2023 at 11:15 PM.
Thanks OP. Was waiting for this offer for sometime now. They had $400 inbetween and after that it never even came above $250. Got this now. First time Capital one customer, lets see how it goes.
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Joined Nov 2021
L2: Beginner
> bubble2 53 Posts
59 Reputation
FaithfulSnail9264
08-03-2023 at 11:28 PM.
08-03-2023 at 11:28 PM.
Quote from Living_Legend :
I've done it with other checking account offers like this one from my Chase account. I've linked the checking account like Capital One to my chase account and then initiated a "push" transfer from my Chase account instead of initiating the transfer from Capital One to "pull" the funds over. You have to choose a slow transfer which Chase calls a standard transfer instead of a real time transfer. The slow transfer is considered an ACH transfer to the receiving bank. I've gotten bonuses from 5th 3rd and Wells Fargo doing it this way. Hope this helps!
So for the "push" wont chase bank charge fees to transfer the amount?
2
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Joined Jan 2007
L5: Journeyman
> bubble2 882 Posts
530 Reputation
stevenl
08-03-2023 at 11:41 PM.
08-03-2023 at 11:41 PM.
Does a payment from mercari.com count as a direct deposit?
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Joined Jun 2017
L6: Expert
> bubble2 1,785 Posts
70 Reputation
bestdeal113
08-04-2023 at 12:03 AM.
08-04-2023 at 12:03 AM.
Thanks, this is pretty good deal. Low DD high bonus
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Joined Nov 2014
L3: Novice
> bubble2 162 Posts
18 Reputation
SteveV5660
08-04-2023 at 12:07 AM.

Our community has rated this post as helpful. If you agree, why not thank SteveV5660

08-04-2023 at 12:07 AM.
Quote from hpark21 :
Do it for you, your wife AND joint. 3 separate accounts!!!!
This bit when I got started makes me think that might not work.
2
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Joined Jul 2022
New User
> bubble2 3 Posts
10 Reputation
smallslickd
08-04-2023 at 12:30 AM.
08-04-2023 at 12:30 AM.
does direct deposit just means any transfer from a bank to the created account?
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Joined Nov 2008
L3: Novice
> bubble2 276 Posts
52 Reputation
bsm2
08-04-2023 at 12:48 AM.
08-04-2023 at 12:48 AM.
worst customer service only verify accounts using mobile app with text messaging

yep no fix closing my account after 15 years
3
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