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

+298 Deal Score
244,400 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
244,400 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 Jan 2010
L5: Journeyman
> bubble2 623 Posts
467 Reputation
paintballer301
08-23-2023 at 03:26 PM.
08-23-2023 at 03:26 PM.
Quote from raks82 :
i got the bonus this afternoon! when i checked in the morning, it was not there lol
Bingo! Just checked mine and I got It!

Do you know what the process is now for closing the account? is there a period of time we have to keep it open? Do we get charged fees for anything? Is it best to transfer everything out but leave $1? What is your plan? Thanks
1
Reply
Joined Dec 2016
L3: Novice
> bubble2 230 Posts
37 Reputation
joydivision84
08-23-2023 at 04:15 PM.
08-23-2023 at 04:15 PM.
My wife and I also got our bonus today. A week since we did our last qualifying deposit. Now we get to choose which account to close, lol.

Good luck to the rest of you.
Reply
Joined Nov 2015
L7: Teacher
> bubble2 2,642 Posts
330 Reputation
Dxcellent
08-23-2023 at 04:20 PM.
08-23-2023 at 04:20 PM.
Quote from JJH35 :
You can also refer here to what works for all the banks, should jump right to 360:

https://www.doctorofcredit.com/kn...al_One_360

Funny that it says WF doesn't work.. but someone just stated they got the bonus with that bank.
Reply
Joined Aug 2014
L3: Novice
> bubble2 239 Posts
51 Reputation
raks82
08-23-2023 at 05:05 PM.
08-23-2023 at 05:05 PM.
Quote from paintballer301 :
Bingo! Just checked mine and I got It!

Do you know what the process is now for closing the account? is there a period of time we have to keep it open? Do we get charged fees for anything? Is it best to transfer everything out but leave $1? What is your plan? Thanks
havent seen anything in the terms and conditions to keep the account open for certain period or. cap one acc has no min balance and no fees. so i might keep the account with a 0 balance for couple of months and then close later
Reply
Joined Oct 2004
L7: Teacher
> bubble2 2,987 Posts
1,234 Reputation
Cheapy Stuff
08-23-2023 at 09:37 PM.
08-23-2023 at 09:37 PM.
Got my bonus today as well, exactly one week since I initiated transfer from Fidelity/Chase.
Reply
Joined Oct 2014
L2: Beginner
> bubble2 61 Posts
18 Reputation
hi57o
08-24-2023 at 01:39 AM.
08-24-2023 at 01:39 AM.
Sent two pushes via Robinhood and Chase on the 21st and just received my bonus today on the 23rd.
Reply
Joined Oct 2007
L5: Journeyman
> bubble2 755 Posts
46 Reputation
swine
08-24-2023 at 06:41 AM.
08-24-2023 at 06:41 AM.
Do you know the below one show up in 360 counts? Thanks!

Quote :
CATEGORY: Transfer
Transcation Type: Electronic transfer
Appears on statement as: Deposit from JPMorgan Chase Ext Trnsfr
Memo: Ext Trnsfr
Reply

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Joined May 2010
L6: Expert
> bubble2 1,630 Posts
134 Reputation
ctz
08-24-2023 at 11:57 AM.
08-24-2023 at 11:57 AM.
Since I have already got the bonus after two transfers, is there any benefit of keeping the checking account open? Are their any penalties by closing an account less than one month old? I saw that Ebay purchases qualify 4% cashback by using CapitalOne Offers. Do I have to use their debit card to qualify for this 4% back?
Reply
Joined May 2007
Donka Dooball
> bubble2 483 Posts
MrMcGibblets
08-24-2023 at 02:37 PM.
08-24-2023 at 02:37 PM.
Quote from MrMcGibblets :
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)...
Update:
Just got my $350 sign-up bonus yesterday! This is after one STANDARD ACH transfer from Chase and one DIRECT DEPOSIT from my employer.
In-between them was a payout from eBay, but I'm not sure if that counts.
Reply
Joined Dec 2008
L5: Journeyman
> bubble2 519 Posts
127 Reputation
slayu
08-25-2023 at 09:10 AM.
08-25-2023 at 09:10 AM.
Quote from zebilmnc :
How long after the transfers hit did you get the bonus deposited?
Within a week
Reply
Joined Mar 2012
I'm not cheap. I'm thrif
> bubble2 142 Posts
34 Reputation
hustle86
08-26-2023 at 03:52 AM.
08-26-2023 at 03:52 AM.
Anyone know if there is an age requirement for accounts? I know of a couple children that are eager to start their banking journey. Wink
Reply
Joined Jan 2022
L2: Beginner
> bubble2 54 Posts
10 Reputation
JHouston82
08-26-2023 at 05:05 AM.
08-26-2023 at 05:05 AM.
Did a couple of $250 external account transfers initiated at Ally to new Capital One account and $350 bonus showed up 8 days later. Thanks OP!
Reply
Joined Jan 2022
L2: Beginner
> bubble2 54 Posts
10 Reputation
JHouston82
08-26-2023 at 05:15 AM.
08-26-2023 at 05:15 AM.
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.

ACH transactions don't send paying account data, just an ACH ID, so they'd know the same payor sent the payment, but they don't know why. My paycheck from my employer has the same reference data (except the unique transaction number) as their payment to other employees.
Reply
Joined Feb 2011
L10: Grand Master
> bubble2 10,734 Posts
5,805 Reputation
shopperuvdealz
08-26-2023 at 06:51 AM.
08-26-2023 at 06:51 AM.
How long do we have to keep the $500 we deposit in the bank?
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Joined Dec 2006
L5: Journeyman
> bubble2 641 Posts
121 Reputation
Kat71
08-26-2023 at 12:46 PM.
08-26-2023 at 12:46 PM.
So I am trying this with a transfer from my checking. I hope it works. If not I'll have to figure something else out.
Reply
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