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

+298 Deal Score
244,101 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
244,101 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 2018
L3: Novice
> bubble2 113 Posts
26 Reputation
Living_Legend
08-04-2023 at 06:32 PM.
08-04-2023 at 06:32 PM.
Quote from homers54321 :
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?

Correct, initiate the transfer through Chase and send the funds over to capital one. There will be 2 options to select for the speed, just make sure not to select the first option which is real time. Choose the slower option which is the 3-5 day option which is the ACH option.
Reply
Joined May 2016
L5: Journeyman
> bubble2 550 Posts
42 Reputation
amoled
08-04-2023 at 06:41 PM.
08-04-2023 at 06:41 PM.
the problem is: bonus is taxable, meaning roughly 1/3 will be 'donated' to IRS. At the end, the customer will only get roughly $240. I wish they'd give out points that can be redeemed toward statement credit instead...
4
Reply
Joined Oct 2018
L10: Grand Master
> bubble2 6,458 Posts
1,207 Reputation
Wavy-Nife
08-04-2023 at 06:54 PM.
08-04-2023 at 06:54 PM.
They couldn't do a $360 to be cute?
2
Reply
Joined Aug 2020
New User
> bubble2 11 Posts
10 Reputation
FantasticGame694
08-04-2023 at 06:55 PM.
08-04-2023 at 06:55 PM.
If opening multiple accounts for multiple bonuses (spouse, kids, etc.), can you use the SAME direct deposit account? Using my Ally bank to do the pushes, wanted to see if funding all the accounts from the same source would work.
Reply
Joined Oct 2011
L3: Novice
> bubble2 227 Posts
18 Reputation
extremus669
08-04-2023 at 07:32 PM.
08-04-2023 at 07:32 PM.
Quote from happygooddeal :
Opened and closed account in 2020 after I got 400 bonus. And I eligible for this ?
Try it and let us know!
1
Reply
Joined Oct 2011
L3: Novice
> bubble2 227 Posts
18 Reputation
extremus669
08-04-2023 at 07:33 PM.
08-04-2023 at 07:33 PM.
Quote from Big Wang :
Does this work for existing customers?
Be useful and read the FAQ.
1
Reply
Joined Dec 2010
L3: Novice
> bubble2 148 Posts
55 Reputation
cedarhillguy
08-04-2023 at 07:40 PM.
08-04-2023 at 07:40 PM.
Quote from RaghavP511 :
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
One thing I don't like about Fidelity is they don't allow recurring push (outbound) transfers. If you want to use them as main checking and transfer money to other external accounts you have to do it manually.
1
Reply
Last edited by cedarhillguy August 4, 2023 at 07:47 PM.

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Joined Jul 2003
Do the Dew
> bubble2 1,179 Posts
487 Reputation
dewski
08-04-2023 at 08:04 PM.
08-04-2023 at 08:04 PM.
Concerning Cap1 360 in general - I was migrated over to them when they took over ING bank and accounts so I have been with them a long time. I use Cap1 360 checking for all my bill pay needs and it works great and has a great desktop UI. I also have the 360 performance savings that has an OK APY right now and recently jumped on the Venture X Visa card with the tasty bonuses and perks.

All in all I have had a really good experience with this bank, The Android app is also really good and makes depositing checks a breeze. Hit me up with any questions about the user experience.
Reply
Joined Apr 2006
L5: Journeyman
> bubble2 532 Posts
180 Reputation
damicomj
08-04-2023 at 08:21 PM.
08-04-2023 at 08:21 PM.
Quote from homers54321 :
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

I always give the bank a call after I have completed all the steps and I ask, "am I all good?"
Reply
Joined Oct 2021
New User
> bubble2 32 Posts
10 Reputation
Schnitzell
08-04-2023 at 09:17 PM.
08-04-2023 at 09:17 PM.
I have an Uber Drive pro card account where Uber makes the payment and then I transfer it to my bank. If I reconfigure the deposits to this 360 Checking Account , would this count towards the promo?
Reply
Joined Jan 2017
L3: Novice
> bubble2 124 Posts
26 Reputation
Super7777
08-04-2023 at 09:52 PM.
08-04-2023 at 09:52 PM.
Quote from ElatedField381 :
Anyone know if eBay managed payment deposits would qualify? I have a few things to sell and it would be easier than switching direct deposit with my employer
I did this with Chase and it worked, I'm assuming it'll work here.
Reply
Joined Jan 2021
L2: Beginner
> bubble2 65 Posts
10 Reputation
Superdeleted
08-04-2023 at 10:23 PM.
08-04-2023 at 10:23 PM.
Dang it. Opened an account for the kiddo like two years ago and it apparently disqualifies me. Frown She doesn't even use it because it was too hard for her to figure out logging in so we moved to chase.
Reply
Joined Jun 2016
L6: Expert
> bubble2 1,222 Posts
354 Reputation
geezeefosheezee
08-04-2023 at 10:28 PM.
08-04-2023 at 10:28 PM.
Anyone know if there's an age requirement for opening the account? Didn't see it in the faq or r&d Would like to do one for the kiddo as well.
Reply
Joined Feb 2016
L3: Novice
> bubble2 132 Posts
10 Reputation
MmmBob
08-04-2023 at 11:37 PM.
08-04-2023 at 11:37 PM.
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

Yes I do believe you can it's all about the social security number with banks
Reply

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Joined Feb 2016
L3: Novice
> bubble2 132 Posts
10 Reputation
MmmBob
08-04-2023 at 11:40 PM.
08-04-2023 at 11:40 PM.
Quote from FantasticGame694 :
If opening multiple accounts for multiple bonuses (spouse, kids, etc.), can you use the SAME direct deposit account? Using my Ally bank to do the pushes, wanted to see if funding all the accounts from the same source would work.

To my knowledge a source as you called it can only payout to one bank account at a time
Reply
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