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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 Oct 2008
L7: Teacher
> bubble2 2,194 Posts
100 Reputation
flightxxx
08-09-2023 at 05:04 PM.
08-09-2023 at 05:04 PM.
so after taxes, bonus is roughly $250, not bad for 5 mins of work
Reply
Joined Jul 2015
Noobster
> bubble2 1,221 Posts
105 Reputation
arooni
08-09-2023 at 06:17 PM.
08-09-2023 at 06:17 PM.
If I already have a Capital One relationship thru a credit card and they already have my Schwab checking account for payment linked.

Can I simply pull $250 twice from schwab to capital one (using capital one's website to do it) to hit this bonus?
Reply
Joined Jun 2006
L4: Apprentice
> bubble2 470 Posts
436 Reputation
303
08-10-2023 at 06:30 AM.
08-10-2023 at 06:30 AM.
Quote from kmart64 :
Did you use Discover Savings to do it? I read that Discover Savings counts as ACH
Yes, I read the same. Someone indicated that it might not work because it shows up as a "Transfer" rather than a "Direct Deposit". Not sure if this is a concern or not.
Reply
Joined Mar 2020
L1: Learner
> bubble2 24 Posts
10 Reputation
GreyGame958
08-10-2023 at 07:04 AM.
08-10-2023 at 07:04 AM.
Would an ACH withdraw from TDAmeritrade work?
Reply
Joined Mar 2019
L3: Novice
> bubble2 177 Posts
18 Reputation
NervousHorn154
08-10-2023 at 09:02 AM.
08-10-2023 at 09:02 AM.
Quote from dcguy703 :
I currently have a 360 Performance Savings account but never had a 360 Checking account, am i eligible for this offer?
CapOne will let you know when you apply, but probably not.
Reply
Joined Aug 2010
B!tch Please
> bubble2 6,107 Posts
625 Reputation
Truth-Serum
08-10-2023 at 10:03 AM.
08-10-2023 at 10:03 AM.
In for free money
1
Reply
Joined Dec 2011
Two Minds Became One
> bubble2 13,448 Posts
Peerless_Warrior
08-10-2023 at 10:10 AM.
08-10-2023 at 10:10 AM.
Quote from skinneral :
This bank is a joke.

Wife applied, was approved. Then wasn't able to sign in - they claim the phone number is invalid. Locked. Called to unlock, verified some info, ok. Overnight got an email it's been locked again. She's had to send a copy of her ID 5 times now. Their support is awful and unintelligible on the phone from whatever third world phone system they're using. At this point, I think it's not worth the bonus.
Whenever you have issues with a bank...always go into a local branch. They can fix issues much quicker than any call center rep.
Reply

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Joined Mar 2022
L1: Learner
> bubble2 16 Posts
39 Reputation
JoeBuck85
08-10-2023 at 11:39 AM.
08-10-2023 at 11:39 AM.
Quote from dcguy703 :
I currently have a 360 Performance Savings account but never had a 360 Checking account, am i eligible for this offer?

I was in the same situation as you and I was eligible by following the link.
Reply
Joined Mar 2006
Coffee Anytime!
> bubble2 1,273 Posts
482 Reputation
CoffeePleeze
08-10-2023 at 12:17 PM.
08-10-2023 at 12:17 PM.
Had to set up a separate checking account anyway for the upcoming T-Mobile auto pay discount changes. I would be losing out on $20 per month of autopay discounts if I continued using a credit card to pay.

Linked the 360 account as external from within my Chase account, did a standard transfer of $250 today. From what others are saying it won't likely qualify for the $350 bonus, but at least I tried. Definitely not linking my main bank account with T-Mobile. Set up a recurring transfer from Chase to Capital One each month so I don't have to think about it.
Reply
Last edited by CoffeePleeze August 10, 2023 at 12:55 PM.
Joined Dec 2016
L3: Novice
> bubble2 230 Posts
37 Reputation
joydivision84
08-10-2023 at 12:37 PM.
08-10-2023 at 12:37 PM.
Quote from MrMcGibblets :
Appreciate the info! I just opened a 360 acct and then added it as an External Acct over at Chase then transferred funds via the Standard Transfer method.
Please keep us updated regarding how this works out for you. I have just initiated my first payment in the same way, via Chase checking also.
1
Reply
Joined Mar 2006
Coffee Anytime!
> bubble2 1,273 Posts
482 Reputation
CoffeePleeze
08-10-2023 at 12:42 PM.
08-10-2023 at 12:42 PM.
Deleted.....
1
Reply
Joined Jun 2009
L5: Journeyman
> bubble2 912 Posts
187 Reputation
kinetics14
08-10-2023 at 12:54 PM.
08-10-2023 at 12:54 PM.
I also sent 2 transfers from my chase account to Capone 360 Checking. I hope it works and I get that bonus.
1
Reply
Joined Dec 2011
Two Minds Became One
> bubble2 13,448 Posts
Peerless_Warrior
08-10-2023 at 12:55 PM.
08-10-2023 at 12:55 PM.
Quote from kinetics14 :
I also sent 2 transfers from my chase account to Capone 360 Checking. I hope it works and I get that bonus.
Why not do DD for one pay period, or divide your check between primary and a secondary account?
1
Reply
Joined May 2007
Donka Dooball
> bubble2 483 Posts
MrMcGibblets
08-10-2023 at 02:32 PM.
08-10-2023 at 02:32 PM.
Quote from joydivision84 :
Please keep us updated regarding how this works out for you. I have just initiated my first payment in the same way, via Chase checking also.
Well, the first ACH transfer via "Standard" method is already present on the CapitalOne 360 side, so that's good. But the question is: Once both deposits are there, will CapitalOne notify me and confirm that the $350 bonus is greenlit?

PS - Love the handle. Big New Order and Joy Division fan myself.

EDIT: I just modfied the Direct Deposit on my company's HR site to send $275 to my Capital One 360 account each pay period (and the remainder to my Chase Checking) -- just to be extra sure that I hit the target.
Reply
Last edited by MrMcGibblets August 10, 2023 at 03:08 PM.

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Joined Dec 2008
I'm Rick James.....
> bubble2 2,109 Posts
524 Reputation
contactmeemail
08-10-2023 at 03:10 PM.
08-10-2023 at 03:10 PM.
My daughter applied. She didn't receive any information after uploading her ID other than she will be notified in 2 days, but at first it said she would get her account info. This will be her first account. Does anyone know if she is notified by email, etc? Obviously no money has been deposited to open the account because she has to be notified. Thanks.
Reply
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