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

+298 Deal Score
244,140 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
244,140 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 Aug 2015
L3: Novice
> bubble2 197 Posts
14 Reputation
muthukumaran.1234
08-04-2023 at 03:18 PM.
08-04-2023 at 03:18 PM.
I think we will see better deals...banks need more of these to attract given their refusal to keep the interest rates at least on par with the federal funds rate & make money off of it..
1
Reply
Joined Dec 2011
Two Minds Became One
> bubble2 13,448 Posts
Peerless_Warrior
08-04-2023 at 03:20 PM.
08-04-2023 at 03:20 PM.
Quote from muthukumaran.1234 :
I think we will see better deals...banks need more of these to attract given their refusal to keep the interest rates at least on par with the federal funds rate & make money off of it..
Interest rates are always poor for checking accounts. Why does that matter here? I personally have a separate account at fidelity since they offer 4.9%
2
Reply
Joined Dec 2015
L2: Beginner
> bubble2 26 Posts
21 Reputation
chilllydog
08-04-2023 at 03:33 PM.
08-04-2023 at 03:33 PM.
Link seems down?
Reply
Joined Sep 2009
L5: Journeyman
> bubble2 1,349 Posts
95 Reputation
bargainfinder09
08-04-2023 at 03:44 PM.
08-04-2023 at 03:44 PM.
Quote from doconline :
Is there a minimum balance that we need toaintain
I opened the account without an initial deposit and it didn't say anything about fees. Website says it's a no fees free checking account so fingers crossed.
Reply
Joined May 2019
L2: Beginner
> bubble2 67 Posts
50 Reputation
UpbeatGame8388
08-04-2023 at 03:59 PM.
08-04-2023 at 03:59 PM.
Dang. I closed my account on Feb 2021. I would have jumped on this deal if I was eligible
Reply
Joined Mar 2016
New User
> bubble2 17 Posts
10 Reputation
AP69
08-04-2023 at 04:14 PM.
08-04-2023 at 04:14 PM.
Made an account. Sent a push deposit from my chase checking. Let's see if I get the bonus. Fingers crossed!
Reply
Joined Dec 2014
L6: Expert
> bubble2 1,823 Posts
143 Reputation
joshs1930
08-04-2023 at 04:25 PM.
08-04-2023 at 04:25 PM.
Quote from AP69 :
Made an account. Sent a push deposit from my chase checking. Let's see if I get the bonus. Fingers crossed!

Could you elaborate on how to perform that push deposit? Never done it before, help is appreciated.
Reply

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Joined Nov 2006
pwner
> bubble2 2,052 Posts
423 Reputation
MxChris
08-04-2023 at 04:58 PM.
08-04-2023 at 04:58 PM.
Jumped on this. Opened a Fidelity CMA to make the ACH transfers with, already have accounts with them so it took less than a minute. Already have a CC and HYSA with cap one so opening the checking took just a minute as well.

Reply
Joined Jan 2008
L9: Master
> bubble2 5,963 Posts
786 Reputation
Eagles89
08-04-2023 at 05:08 PM.
08-04-2023 at 05:08 PM.
You can tell the checking account sucks when they offer bonuses like this on it
2
Reply
Joined May 2015
L3: Novice
> bubble2 230 Posts
46 Reputation
RCognition
08-04-2023 at 05:16 PM.
08-04-2023 at 05:16 PM.
Quote from Eagles89 :
You can tell the checking account sucks when they offer bonuses like this on it
This is the best checking account I have ever had in my 30 years of banking. No international ATM fees or transaction fees, no minimum deposit. Instant transfers between checking/savings, no fees. Kids/teen accounts are a breeze and have allowance options. App is awesome too
Reply
Joined Feb 2011
L7: Teacher
> bubble2 2,592 Posts
528 Reputation
homers54321
08-04-2023 at 05:18 PM.
08-04-2023 at 05:18 PM.
The terms say you will receive the bonus within 60 days of your 2nd qualifying direct deposit. Will we get a notification that our direct deposits were successful?

I don't want to wait 60 days only to find out the "push" transfers weren't eligible
Reply
Joined Nov 2019
L3: Novice
> bubble2 115 Posts
149 Reputation
RaghavP511
08-04-2023 at 05:21 PM.
08-04-2023 at 05:21 PM.
Quote from RCognition :
This is the best checking account I have ever had in my 30 years of banking. No international ATM fees or transaction fees, no minimum deposit. Instant transfers between checking/savings, no fees. Kids/teen accounts are a breeze and have allowance options. App is awesome too
Fidelity has all of that, plus free wire transfers, AND you can invest in money market funds (5.00% interest currently). Compared to <1% on Capital One
2
Reply
Joined Feb 2011
L7: Teacher
> bubble2 2,592 Posts
528 Reputation
homers54321
08-04-2023 at 05:33 PM.
08-04-2023 at 05:33 PM.
What are the steps to "push" transfer?

I have chase and the capital one 360. Do I merely transfer funds from my chase account to my capital one 360 account?
Reply
Joined Nov 2013
L1: Learner
> bubble2 22 Posts
10 Reputation
rojain
08-04-2023 at 05:56 PM.
08-04-2023 at 05:56 PM.
Link not working
Reply

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Joined May 2023
New User
> bubble2 3 Posts
10 Reputation
SplendidHeart326
08-04-2023 at 06:07 PM.
08-04-2023 at 06:07 PM.
I was a long-time Capital One customer and recently closed a biz banking account. ACH transfers took 3 to 5 days and were painfully slow. After earning next to nothing on interest it was time for me to jump ship. However, this is a pretty solid incentive for opening a new account but I would not consider Capital One for my primary banking.

As an alternative, it might be worth checking out SoFi. I've had a great experience with them over the last few months. ACH transfers have cleared for me same day on a number of occasions. Unbelievably fast. High yield and great rewards program.
Worth giving them a try.
2
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