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

+298 Deal Score
244,289 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
244,289 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 Jun 2014
L5: Journeyman
> bubble2 649 Posts
94 Reputation
Mangolover111
08-04-2023 at 02:15 AM.
08-04-2023 at 02:15 AM.
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.

Can anyone verify that this 1000% works?? Thank you
2
Reply
Joined Jan 2015
SD User
> bubble2 2,608 Posts
1,361 Reputation
fivenue
08-04-2023 at 03:09 AM.
08-04-2023 at 03:09 AM.
capital one sucks
1
6
Reply
Joined Jun 2012
L2: Beginner
> bubble2 80 Posts
18 Reputation
dangitzken
08-04-2023 at 04:14 AM.
08-04-2023 at 04:14 AM.
Would a reimbursement issued by employer sponsored commuter plan or health plan be considered a direct deposit?
Reply
Joined May 2021
L5: Journeyman
> bubble2 952 Posts
54 Reputation
JollyReward108
08-04-2023 at 04:48 AM.
08-04-2023 at 04:48 AM.
Quote from ListedGuru :
Just to double check I did a Capital One 360 Savings promo a few years back but never had a checking account of any kind there. I assume from reading the small print I would be able to do this checking account offer too correct? Also I'm pretty sure I closed my 360 Savings account after I received the bonus if that matters?
Details say if you EVER had an account no go.
Best bet is ask them, be sure to get CS name for reference.
1
Reply
Last edited by JollyReward108 August 4, 2023 at 04:51 AM.
Joined Oct 2007
L6: Expert
> bubble2 1,112 Posts
123 Reputation
utl768
08-04-2023 at 04:49 AM.
08-04-2023 at 04:49 AM.
Will a PayPal transfer work ?
Reply
Joined Nov 2011
L2: Beginner
> bubble2 46 Posts
43 Reputation
gcappuccio
08-04-2023 at 06:05 AM.
08-04-2023 at 06:05 AM.
Quote from Big Wang :
Does this work for existing customers?

No. 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.
Reply
Joined Nov 2011
L2: Beginner
> bubble2 46 Posts
43 Reputation
gcappuccio
08-04-2023 at 06:06 AM.
08-04-2023 at 06:06 AM.
Quote from fivenue :
capital one sucks

I love Capital One bank. No fees whatsoever, they even allow overdraft without fees and you get your paycheck two days earlier.
1
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Joined Nov 2019
L1: Learner
> bubble2 23 Posts
10 Reputation
SkillfulStraw853
08-04-2023 at 06:32 AM.
08-04-2023 at 06:32 AM.
Will it be a hard pull?
Reply
Joined Jan 2020
L1: Learner
> bubble2 40 Posts
48 Reputation
vanillathundr24
08-04-2023 at 06:35 AM.
08-04-2023 at 06:35 AM.
Quote from Deathmunky :
I second this...
third
1
Reply
Joined Oct 2020
L3: Novice
> bubble2 109 Posts
22 Reputation
GreyHose946
08-04-2023 at 06:51 AM.
08-04-2023 at 06:51 AM.
If you travel abroad this is the best debit card I found. No ATM fees on their own (only from the ATM itself) and no foreign transaction fee, so you just need to find which ATM has no/low fees in that country. I've used it successfully in Mexico (citi, $1), Japan (7-eleven, no fee) and Spain (caixa, no fee)
Reply
Joined Sep 2012
L4: Apprentice
> bubble2 561 Posts
37 Reputation
dreezy
08-04-2023 at 07:12 AM.
08-04-2023 at 07:12 AM.
Can I close my 360 checking account I opened 2 weeks ago and reopen one using this promo code?
2
Reply
Joined Jan 2015
L4: Apprentice
> bubble2 514 Posts
381 Reputation
jevoyager
08-04-2023 at 07:21 AM.

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

08-04-2023 at 07:21 AM.
Quote from SkillfulStraw853 :
Will it be a hard pull?
According to Doctor of Credit "Capital one will do a hard credit pull for a checking account only if you opt for overdraft protection. As long as you opt out there will only be a soft pull. Their savings account only has a soft pull done."

the link they said they got the info from is broken but I saw a couple other comments doing a quick google search that suggest the same thing. If you want to know for sure I'd contact their CS.
1
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Joined Dec 2017
L3: Novice
> bubble2 247 Posts
518 Reputation
Pro
Mrcalifornia
08-04-2023 at 07:24 AM.
08-04-2023 at 07:24 AM.
Quote from RickC9954 :
I wonder if my wife and I could both open a separate individual account with our same address to each get the bonus? Thanks for the find. Switching from PNC in the coming days

It works. Wife and I did this with the $400 offer. We actually ended up keeping the accounts as they are a pretty convenient bank to deal with.
Reply
Joined Aug 2023
New User
> bubble2 2 Posts
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PurpleGoat591
08-04-2023 at 07:34 AM.
08-04-2023 at 07:34 AM.
Can you open this with itin
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Joined Jan 2018
L3: Novice
> bubble2 265 Posts
366 Reputation
crazydealer88
08-04-2023 at 07:46 AM.
08-04-2023 at 07:46 AM.
My spouse has opened this checking account couple of years ago. 6 months back I was added as joint account holder. Am I eligible for this offer?
Reply
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