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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 Feb 2016
L3: Novice
> bubble2 132 Posts
10 Reputation
MmmBob
08-04-2023 at 11:42 PM.
08-04-2023 at 11:42 PM.
Quote from MmmBob :
To my knowledge a source as you called it can only payout to one bank account at a time

At least that's what I would think
Reply
Joined Aug 2023
New User
> bubble2 5 Posts
10 Reputation
TenderSardine721
08-04-2023 at 11:44 PM.
08-04-2023 at 11:44 PM.
Never knew there were so many nuances about what qualifies as "direct deposit" before reading the comments 😱 writing myself a check should qualify, right?
1
Reply
Joined Mar 2020
New User
> bubble2 18 Posts
10 Reputation
NavyCrib843
08-04-2023 at 11:50 PM.
08-04-2023 at 11:50 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

One of the best banks I have been using for the last 10-12 years.
Reply
Joined Apr 2020
L3: Novice
> bubble2 142 Posts
14 Reputation
Buffmuffin
08-05-2023 at 12:11 AM.
08-05-2023 at 12:11 AM.
How long do you have to keep the account open?
Reply
Joined Mar 2011
L2: Beginner
> bubble2 71 Posts
18 Reputation
zebilmnc
08-05-2023 at 05:44 AM.
08-05-2023 at 05:44 AM.
If I initiate a transfer from my Ally savings account will that count towards this?
Reply
Joined May 2017
L2: Beginner
> bubble2 67 Posts
18 Reputation
Alliswellbro
08-05-2023 at 06:54 AM.
08-05-2023 at 06:54 AM.
is there any age limit to open account?
can i open for my 5 year old and do a direct deposit from my pay or do push from any of my other banks?
Reply
Joined Jul 2008
L5: Journeyman
> bubble2 594 Posts
26 Reputation
Xellos2099
08-05-2023 at 07:40 AM.
08-05-2023 at 07:40 AM.
Hmm, can I have more than 1 360 checking account? I think my 360 checking account was from before 2021
Reply

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Joined Mar 2013
L8: Grand Teacher
> bubble2 3,849 Posts
4,689 Reputation
vksduser
08-05-2023 at 08:51 AM.
08-05-2023 at 08:51 AM.
Can 14 years old open this account?
2
Reply
Joined Oct 2020
New User
> bubble2 1 Posts
Pacman6
08-05-2023 at 09:48 AM.
08-05-2023 at 09:48 AM.
Tried to apply and said I was not eligible. Says it's only for new customers. Even though I don't have a checking account with them. Only a credit card.
Reply
Joined Aug 2006
L3: Novice
> bubble2 180 Posts
38 Reputation
ec.auction
08-05-2023 at 10:15 AM.
08-05-2023 at 10:15 AM.
Quote from GreyHose946 :
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)
I take it you have to try it on the foreign atm machine to find out the fee amount, right?

I currently use Schwab checking acct and they offer complete no atm fees (domestic and foreign). Though you might need to locate atm from specific foreign banks when you are withdrawing money in less-develop countries (i think for security purposes).
Reply
Joined Jan 2014
L2: Beginner
> bubble2 67 Posts
22 Reputation
tekno256
08-05-2023 at 12:13 PM.
08-05-2023 at 12:13 PM.
Never mind
1
Reply
Joined Oct 2020
L3: Novice
> bubble2 109 Posts
22 Reputation
GreyHose946
08-05-2023 at 12:21 PM.
08-05-2023 at 12:21 PM.
Quote from ec.auction :
I take it you have to try it on the foreign atm machine to find out the fee amount, right?

I currently use Schwab checking acct and they offer complete no atm fees (domestic and foreign). Though you might need to locate atm from specific foreign banks when you are withdrawing money in less-develop countries (i think for security purposes).
I just do a quick google search about ATM fees in the country I'm visiting. Usually there are several options and then you just need to find which one is conveniently close
Reply
Joined Nov 2016
L1: Learner
> bubble2 24 Posts
22 Reputation
StephD5
08-05-2023 at 01:06 PM.
08-05-2023 at 01:06 PM.
Got it worked out!
1
Reply
Last edited by StephD5 August 7, 2023 at 08:24 PM.
Joined Aug 2015
L3: Novice
> bubble2 197 Posts
14 Reputation
muthukumaran.1234
08-05-2023 at 01:49 PM.
08-05-2023 at 01:49 PM.
Quote from Peerless_Warrior :
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%
I agree this is a checking account & i am not saying its just capital one..as you note if your fidelity cash position can provide 4.9% on an account that is nearly identical to a checking account why can't banks checking accounts do even half of that...but then they first need to do that with their "savings" account..my point is if the banks play fair (instead of fighting to keep the status quo) we don't need to resort to these hoops they design (some easier like this not others)..having said that this one is better than the likes of WF & chase by paying at least 0.10%..not to mention 'fees' charged by them which is downright illegal in my book..
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Last edited by muthukumaran.1234 August 5, 2023 at 02:22 PM.

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Joined Mar 2011
L2: Beginner
> bubble2 71 Posts
18 Reputation
zebilmnc
08-05-2023 at 03:16 PM.
08-05-2023 at 03:16 PM.
Does anyone know how long it typically takes for the bonus to be deposited?
Reply
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