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

+298 Deal Score
252,669 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
252,669 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 2,240 Posts
108 Reputation
flightxxx
09-16-2023 at 04:35 PM.
09-16-2023 at 04:35 PM.
how long are people keeping the account for before closing it?
Reply
Joined Mar 2011
L3: Novice
> bubble2 146 Posts
34 Reputation
backofthepack
09-16-2023 at 06:10 PM.
09-16-2023 at 06:10 PM.
Says I'm not eligible because I have a Capital One account. I got it a few years back for free credit monitoring due to a breech. I've never had a checking or savings account with them.

Has this happened to anyone else?
Reply
Joined May 2020
L5: Journeyman
> bubble2 594 Posts
148 Reputation
Pro
PurpleHorn832
09-18-2023 at 09:52 PM.
09-18-2023 at 09:52 PM.
Quote from backofthepack :
Says I'm not eligible because I have a Capital One account. I got it a few years back for free credit monitoring due to a breech. I've never had a checking or savings account with them.

Has this happened to anyone else?
Yep, happened to me for a closed credit card account. I used a different email to open the account, then had to call CS to verify my identity after a couple of weeks. Already got cha ching.
Reply
Joined Nov 2011
L3: Novice
> bubble2 145 Posts
22 Reputation
CoolAndy2000
09-19-2023 at 11:31 AM.
09-19-2023 at 11:31 AM.
For External account transfers, it has to be on same person's name? Wire transfer from Chase to wife's account is costing $25.
Reply
Joined Dec 2013
L5: Journeyman
> bubble2 832 Posts
198 Reputation
dmc310
09-19-2023 at 07:53 PM.
09-19-2023 at 07:53 PM.
Just got the 350 bonus from Capital One did 2 transfers from Paypal
Reply
Joined Nov 2011
L3: Novice
> bubble2 145 Posts
22 Reputation
CoolAndy2000
09-19-2023 at 11:14 PM.
09-19-2023 at 11:14 PM.
Quote from dmc310 :
Just got the 350 bonus from Capital One did 2 transfers from Paypal
In paypal, you sent via email Id or added the account?
Reply
Joined Dec 2013
L5: Journeyman
> bubble2 832 Posts
198 Reputation
dmc310
09-20-2023 at 12:03 AM.
09-20-2023 at 12:03 AM.
Quote from CoolAndy2000 :
In paypal, you sent via email Id or added the account?

I added capital ones account and routing info and did the slower option
Reply

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Joined Jun 2022
L6: Expert
> bubble2 1,020 Posts
146 Reputation
TheBigCPabster
09-20-2023 at 12:15 AM.
09-20-2023 at 12:15 AM.
Quote from Lilyly :
free virtual credit card numbers too?

Nope.
Reply
Joined Jun 2010
L6: Expert
> bubble2 1,030 Posts
179 Reputation
SDNovice
09-20-2023 at 01:06 AM.
09-20-2023 at 01:06 AM.
Quote from flightxxx :
how long are people keeping the account for before closing it?
Both the app and the website UI seems pretty neat and I kinda like it. Might keep it for sometime. Dont see a downside to keeping it.
Reply
Joined Sep 2009
L5: Journeyman
> bubble2 1,404 Posts
95 Reputation
bargainfinder09
09-20-2023 at 01:07 PM.
09-20-2023 at 01:07 PM.
Both my transfers went through days back and got bonus few days later. I already did transfers to pay off some credit cards. Capital One now has a $0 balance. I will keep it open for a month or two and just close it. I read if can send a secure message asking to close the account, but we'll see what happens.
Reply
Joined Jun 2009
L4: Apprentice
> bubble2 479 Posts
83 Reputation
bombatwist
09-21-2023 at 12:08 AM.
09-21-2023 at 12:08 AM.
9/4: applied/approved/account open
9/6: $251 push from Chase personal transfer
9/7: $252 push from Chase personal transfer
9/12: $350 bonus posted
Reply
Joined Jun 2018
New User
> bubble2 11 Posts
10 Reputation
SplendidRecess935
09-21-2023 at 08:48 AM.
09-21-2023 at 08:48 AM.
Attempted my first transfer today from PayPal to the account. Pushed it from PayPal to the account. $255. Will do another $255 tomorrow and will update if this worked for me. I used the slower option as well from PayPal to the account.
Reply
Joined Feb 2010
h0me22
> bubble2 162 Posts
homebg
09-21-2023 at 05:11 PM.
09-21-2023 at 05:11 PM.
Quote from EagerTexture118 :
Yes , Ach transfer from BofA .
The slowest one , which is for 3 days .
There is another one which is for one day as well , I didn't try that .
Do you have to wait for a week or immediately added Cap1 acct# to BofA side to push $250+ out.
My BofA didn't let me add Cap1 account before I can make the transfer from BofA to new Cap1. I asked BofA rep. told new Cap1 checking account needs 1wk to 1mo before I can add for transfer ??
Reply
Joined Jun 2011
L5: Journeyman
> bubble2 584 Posts
227 Reputation
arcanition
09-22-2023 at 02:00 AM.
09-22-2023 at 02:00 AM.
09/16: Opened Capone account, added external account (routing/account #s) to Chase, told me I needed to verify account first
09/18: Received Chase test deposits, verified accounts, submitted transfers from Chase
09/19: Received Chase transfer #1 of $251
09/20: Received Chase transfer #2 of $252

EDIT:


09/25: Received $350 new account bonus from Capone (~3 business days after my 2nd eligible deposit)
Reply
Last edited by arcanition September 25, 2023 at 03:52 PM.

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Joined Feb 2011
L7: Teacher
> bubble2 2,677 Posts
532 Reputation
homers54321
09-22-2023 at 05:55 AM.
09-22-2023 at 05:55 AM.
For the people closing their account, the debit card is useful if you travel. There are no fees for international atm withdrawals (besides what the atm machine itself charges)
Reply
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