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

+298 Deal Score
244,457 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
244,457 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 Nov 2019
L4: Apprentice
> bubble2 419 Posts
148 Reputation
Knockknock13
08-22-2023 at 11:06 AM.
08-22-2023 at 11:06 AM.
Got rejected for a 800 credit score and 250k salary
Not sure what qualifies then
2
Reply
Joined Dec 2016
L3: Novice
> bubble2 230 Posts
37 Reputation
joydivision84
08-22-2023 at 12:44 PM.
08-22-2023 at 12:44 PM.
To all who have made their deposits and received their bonus.

Did you just log on and see the $350 in your account? or did you receive any email prior saying you have qualified, and $350 will be deposited into your account?

I made the last of my qualifying deposits last Thursday, and there is nothing on the app or website mentioning the bonus (although I did confirm over chat that the promo code was applied to my account).
Reply
Joined Jul 2011
L10: Grand Master
> bubble2 15,563 Posts
2,175 Reputation
Pro
desi_babu_2010
08-22-2023 at 01:39 PM.
08-22-2023 at 01:39 PM.
nv... ...did not follow my own rule of reading thread......100 lashes for me
Reply
Last edited by desi_babu_2010 August 22, 2023 at 02:45 PM.
Joined Dec 2016
L3: Novice
> bubble2 230 Posts
37 Reputation
joydivision84
08-22-2023 at 01:45 PM.
08-22-2023 at 01:45 PM.
Quote from desi_babu_2010 :
once again. pay attention. consider reading the posts that are in this thread.

it is slim chance to none that anyone here has the 350 deposited.
Eh?

You're telling me to read the posts in this thread and then you're saying there is a "slim chance to none" that no one has had the 350 deposited?

There's plenty of people in the thread who have posted that they have had the 350 bonus paid out. Multiple people have been paid the bonus.

So it's a bit rich telling me to read the thread when it's evident that you have obviously not.

I'm asking specifically about the process in which it paid out, if people received an email confirmation prior etc. Or if it just showed up in their account. This is a reasonable question, that has not
been addressed in any post.
Reply
Joined Jul 2011
L10: Grand Master
> bubble2 15,563 Posts
2,175 Reputation
Pro
desi_babu_2010
08-22-2023 at 02:44 PM.
08-22-2023 at 02:44 PM.
Quote from joydivision84 :
Eh?

You're telling me to read the posts in this thread and then you're saying there is a "slim chance to none" that no one has had the 350 deposited?

There's plenty of people in the thread who have posted that they have had the 350 bonus paid out. Multiple people have been paid the bonus.

So it's a bit rich telling me to read the thread when it's evident that you have obviously not.

I'm asking specifically about the process in which it paid out, if people received an email confirmation prior etc. Or if it just showed up in their account. This is a reasonable question, that has not
been addressed in any post.
u r right

i am wrong

100 lashes for me.
Reply
Joined Dec 2016
L3: Novice
> bubble2 230 Posts
37 Reputation
joydivision84
08-22-2023 at 02:47 PM.
08-22-2023 at 02:47 PM.
Quote from desi_babu_2010 :
u r right

i am wrong

100 lashes for me.

No big deal man. We've all been there.
Reply
Joined May 2007
Donka Dooball
> bubble2 483 Posts
MrMcGibblets
08-22-2023 at 02:52 PM.
08-22-2023 at 02:52 PM.
Update:
AUG 10: I sent a STANDARD ACH transfer from Chase which shows up as a TRANSFER on the CapitalOne side.

AUG 16: I had a DIRECT DEPOSIT from my employer deposited which shows up as a DIRECT DEPOSIT on the CapitalOne side.

Stay tuned (for the next 60 days)...
Reply

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Joined Dec 2006
L6: Expert
> bubble2 1,366 Posts
220 Reputation
Hirudin
08-22-2023 at 07:42 PM.
08-22-2023 at 07:42 PM.
I will confess that I have not read the whole thread but I have two things to either add or confirm...

1. After linking my new Cap1 account in my PayPal account I transferred >$250 of my PayPal balance to the Cap1 account (using the "1-3 day" method). After the transfer showed up in my Cap1 balance I called Cap1's customer service and they confirmed it was,indeed, a qualifying 'direct deposit'.

2. During the above call to Cap1's customer service they said that the promo had NOT been applied to my account. I am certain that I put in the promo code though. I used the app to sign up for the account and it said something like "we need up to 7 days to review this application". I called the next day and cleared everything up and got the account opened. I suspect whatever made them need additional time to review my application also caused the promo to magically vanish.
Reply
Joined Aug 2016
New User
> bubble2 6 Posts
10 Reputation
torm7940
08-22-2023 at 08:49 PM.
08-22-2023 at 08:49 PM.
so when do you get your debit card after you sign up?
Reply
Joined Dec 2016
L3: Novice
> bubble2 230 Posts
37 Reputation
joydivision84
08-22-2023 at 10:23 PM.
08-22-2023 at 10:23 PM.
Quote from Hirudin :
I will confess that I have not read the whole thread but I have two things to either add or confirm...

1. After linking my new Cap1 account in my PayPal account I transferred >$250 of my PayPal balance to the Cap1 account (using the "1-3 day" method). After the transfer showed up in my Cap1 balance I called Cap1's customer service and they confirmed it was,indeed, a qualifying 'direct deposit'.

2. During the above call to Cap1's customer service they said that the promo had NOT been applied to my account. I am certain that I put in the promo code though. I used the app to sign up for the account and it said something like "we need up to 7 days to review this application". I called the next day and cleared everything up and got the account opened. I suspect whatever made them need additional time to review my application also caused the promo to magically vanish.

That sucks man, can they manually apply the promo to your account or anything?
Reply
Joined Aug 2011
L69: Curvature
> bubble2 1,081 Posts
156 Reputation
tjax123
08-22-2023 at 11:08 PM.
08-22-2023 at 11:08 PM.
would paypal transfer qualify as direct deposit?
Reply
Joined Jul 2009
L6: Expert
> bubble2 1,657 Posts
480 Reputation
jose206
08-22-2023 at 11:11 PM.
08-22-2023 at 11:11 PM.
Quote from tjax123 :
would paypal transfer qualify as direct deposit?

3rd comment before yours
Reply
Joined Mar 2011
L2: Beginner
> bubble2 71 Posts
18 Reputation
zebilmnc
08-23-2023 at 04:12 AM.
08-23-2023 at 04:12 AM.
Quote from victorm7940 :
so when do you get your debit card after you sign up?
I got mine within a week of signing up
Reply
Joined Feb 2023
L6: Expert
> bubble2 1,093 Posts
114 Reputation
oasisallure
08-23-2023 at 04:40 AM.
08-23-2023 at 04:40 AM.
Quote from TJD :
Just signed up. I'm already a CapitalOne credit card holder so the account opening information was all pre-populated. Easy-peasy!

I was looking for a no-fee "burner" checking account to use for my T-Mobile auto-pay method. I didn't want to give T-Mo unfettered access to my real bank account just so they can lose it in another security breach. So, this is perfect timing and the $350 bonus is a nice cherry on top! Thanks, OP!

T-mobile sucks
their auto pay discount only works if you put a debit card on file from now on
Reply

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Joined Aug 2014
L3: Novice
> bubble2 239 Posts
51 Reputation
raks82
08-23-2023 at 06:08 AM.
08-23-2023 at 06:08 AM.
pushed 2 250 payments from fidelity to cap one on 8/14, still waiting fr bonus, anyone else having this delay?
Reply
Last edited by raks82 August 23, 2023 at 06:22 AM.
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