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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 Jun 2017
L2: Beginner
> bubble2 74 Posts
10 Reputation
CharlotteMav44
09-04-2023 at 09:30 AM.
09-04-2023 at 09:30 AM.
I am a secondary account holder since 2020. Will the offer work?
Reply
Joined Aug 2004
...
> bubble2 9,773 Posts
5,114 Reputation
JaTaN
09-04-2023 at 11:20 AM.
09-04-2023 at 11:20 AM.
Quote from charlottenagpal :
I am a secondary account holder since 2020. Will the offer work?
"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."
Reply
Joined Jun 2017
L2: Beginner
> bubble2 74 Posts
10 Reputation
CharlotteMav44
09-04-2023 at 11:38 AM.
09-04-2023 at 11:38 AM.
Quote from JaTaN :
"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."

The terms and conditions are wrong then since I am secondary account holder from 2020. And when I try open new account with this bonus, it says I am ineligible.
Reply
Joined Dec 2007
Veteran
> bubble2 946 Posts
572 Reputation
Pro
The Beast
09-04-2023 at 11:40 AM.
09-04-2023 at 11:40 AM.
I had an 'inactive' 360 checking account that I forgot to close. I closed it before signing up for this offer. Initially, it said I was ineligible. However, I just used a new email address, and got the bonus the other day.
Reply
Joined Aug 2004
...
> bubble2 9,773 Posts
5,114 Reputation
JaTaN
09-04-2023 at 11:59 AM.
09-04-2023 at 11:59 AM.
Quote from charlottenagpal :
The terms and conditions are wrong then since I am secondary account holder from 2020. And when I try open new account with this bonus, it says I am ineligible.
You're reading it wrong -- if you had an open checking account anytime after 1/1/2021 then you're ineligible

I'll cut it down: "If you have or had an open checking account as a primary or secondary account holder with Capital One on or after January 1, 2021 then you're ineligible"

You should have closed it by 12/31/2020 to be eligible now -- if you close it now in 2023 then you'll be eligible in a few yrs for next bonus (once the cut off reaches 1/1/2024 since CapOne goes by calendar year)
Reply
Last edited by JaTaN September 4, 2023 at 12:01 PM.
Joined Jun 2017
L2: Beginner
> bubble2 74 Posts
10 Reputation
CharlotteMav44
09-04-2023 at 12:04 PM.
09-04-2023 at 12:04 PM.
Quote from JaTaN :
You're reading it wrong -- if you had an open checking account anytime after 1/1/2021 then you're ineligible

I'll cut it down: "If you have or had an open checking account as a primary or secondary account holder with Capital One on or after January 1, 2021 then you're ineligible"

You should have closed it by 12/31/2020 to be eligible now -- if you close it now in 2023 then you'll be eligible in a few yrs for next bonus (once the cut off reaches 1/1/2024 since CapOne goes by calendar year)

Sorry does not make sense to me. Nowhere it talks about a closed account.
Reply
Joined Sep 2009
L5: Journeyman
> bubble2 1,349 Posts
95 Reputation
bargainfinder09
09-04-2023 at 01:06 PM.
09-04-2023 at 01:06 PM.
So EagerTexture118, you did 2 separate $250 ACH 3 day transfers from BofA? Also if it works and get the bonus, can you transfer it back or has to sit in Capital One account for a # of days? Thanks
Reply
Last edited by bargainfinder09 September 4, 2023 at 01:13 PM.

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Joined Dec 2008
L2: Beginner
> bubble2 72 Posts
141 Reputation
dealhunter2008
09-04-2023 at 01:44 PM.
09-04-2023 at 01:44 PM.
During the application process how do you know if you are eligible or ineligible for this offer? Is there a pop up window showing your eligibility during the process. I have this concern as I had Capital one 360 long time ago and closed it maybe 3 years ago.
Reply
Joined Sep 2009
L5: Journeyman
> bubble2 1,349 Posts
95 Reputation
bargainfinder09
09-04-2023 at 02:38 PM.
09-04-2023 at 02:38 PM.
Quote from dealhunter2008 :
During the application process how do you know if you are eligible or ineligible for this offer? Is there a pop up window showing your eligibility during the process. I have this concern as I had Capital one 360 long time ago and closed it maybe 3 years ago.
That information isn't shown other than you're appling with the BONUS350 code. The rest of whether you qualify or not depends on the terms and conditions.
Reply
Joined May 2008
L7: Teacher
> bubble2 2,804 Posts
432 Reputation
ListedGuru
09-05-2023 at 06:47 AM.
09-05-2023 at 06:47 AM.
Is everyone here activating the debit card even if they don't plan to use the checking account all? I got my bonus and have no use for the account. Just wondering if we have to activate the debit card or can we just close the account?
Reply
Joined Feb 2023
L6: Expert
> bubble2 1,093 Posts
114 Reputation
oasisallure
09-05-2023 at 04:14 PM.
09-05-2023 at 04:14 PM.
how.about goldman saches marcus ACH to cap 1? qualified as DD?
Reply
Joined Jul 2009
L4: Apprentice
> bubble2 383 Posts
58 Reputation
EricPost
09-05-2023 at 04:53 PM.
09-05-2023 at 04:53 PM.
How hard is this to close considering I have no branch banks in my state? Also anyone know which ATM network it uses for free ATM transactions?
Reply
Joined Sep 2009
L5: Journeyman
> bubble2 1,349 Posts
95 Reputation
bargainfinder09
09-05-2023 at 08:28 PM.
09-05-2023 at 08:28 PM.
Quote from EricPost :
How hard is this to close considering I have no branch banks in my state? Also anyone know which ATM network it uses for free ATM transactions?
Why don't you just transfer it out to whatever other account you have like CashApp, Venmo, PayPal, or other Bank?
Reply
Joined Nov 2020
L2: Beginner
> bubble2 33 Posts
30 Reputation
Estrongarm
09-06-2023 at 02:47 PM.
09-06-2023 at 02:47 PM.
Denied me. Says it's because of Early Warning systems. I have no bank accounts in bad standing and never have. First time I've ever been denied a checking account. Oh well 🤷🏾 ♂️
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Joined Apr 2018
L2: Beginner
> bubble2 59 Posts
34 Reputation
DethBlade
09-06-2023 at 05:40 PM.
09-06-2023 at 05:40 PM.
Anyone get their bonus yet? And how long after the last direct deposit did it take?
Reply
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