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

+298 Deal Score
252,229 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
252,229 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 Dec 2011
Two Minds Became One
> bubble2 13,978 Posts
Peerless_Warrior
09-22-2023 at 10:14 AM.
09-22-2023 at 10:14 AM.
Quote from homers54321 :
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)
You can't keep it open, as it stops you from using this offer in the future
Reply
Joined Dec 2010
L2: Beginner
> bubble2 51 Posts
15 Reputation
jordolson
09-22-2023 at 02:07 PM.
09-22-2023 at 02:07 PM.
Quote from specialized408 :
My 2nd fidelity deposit was also cleared on the 13th . I checked this morning and still no bonus. I just checked right now and I got the 350 bonus!
What type of transfer from Fidelity did you do? When connecting a new account, I see EFT (1-3 days) or Bank Wire (possible fee it says) as possible options for transfer. I assume EFT but want to make sure, thanks.
Reply
Joined Aug 2004
...
> bubble2 9,976 Posts
5,194 Reputation
JaTaN
09-22-2023 at 02:24 PM.
09-22-2023 at 02:24 PM.
Quote from jordolson :
What type of transfer from Fidelity did you do? When connecting a new account, I see EFT (1-3 days) or Bank Wire (possible fee it says) as possible options for transfer. I assume EFT but want to make sure, thanks.
Use EFT

I selected Plaid option to login & link CapOne account but Fidelity still wanted to do 2 small trial deposits to confirm -- you can use Plaid or trial deposit option under EFT
Reply
Last edited by JaTaN September 22, 2023 at 02:27 PM.
Joined Jan 2007
L10: Grand Master
> bubble2 28,287 Posts
2,718 Reputation
cgigate
09-22-2023 at 02:31 PM.
09-22-2023 at 02:31 PM.
None of Capitalone bonus worked for me in the past...
You have to make couple calls to resolve the problem...
1
Reply
Joined Nov 2011
L6: Expert
> bubble2 1,587 Posts
334 Reputation
sunboy129
09-22-2023 at 07:37 PM.
09-22-2023 at 07:37 PM.
Anyone knows if $ push from Wells Fargo counts as direct deposit? Tia.
Reply
Joined Nov 2009
L2: Beginner
> bubble2 76 Posts
19 Reputation
Joeski
09-23-2023 at 04:58 PM.
09-23-2023 at 04:58 PM.
How long did it take for you guys to get the bonus for Chase standard transfer to Cap1? My 2nd ACH deposit cleared on the 19th.
Reply
Last edited by Joeski September 23, 2023 at 07:14 PM.
Joined Jun 2011
L5: Journeyman
> bubble2 584 Posts
227 Reputation
arcanition
09-23-2023 at 05:04 PM.
09-23-2023 at 05:04 PM.
Quote from Joeski :
How did it take for you guys to get the bonus for Chase standard transfer to Cap1? My 2nd ACH deposit cleared on the 19th.
My 2nd Chase ACH clear on 09/20 and I haven't yet received the bonus, some people in this thread have said it can take up to a week.
Reply

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Joined Jun 2018
New User
> bubble2 11 Posts
10 Reputation
SplendidRecess935
09-24-2023 at 10:16 AM.
09-24-2023 at 10:16 AM.
Now I'm starting to kind of second guess myself with the PayPal transfers. Can anyone that's had this go successfully chime in here just so I know whether I did this right?

I sent the money via transfer to the Capital One Bank. I had the PayPal account connected to the bank. Now, looking around in the app I see there is an option to send it via Xoom also and I'm wondering if that was the way I was supposed to do it. I'm probably overthinking it but wanted to ask. Thanks in advance, and stay slick my friends!
Reply
Joined Mar 2014
L5: Journeyman
> bubble2 847 Posts
151 Reputation
chandu1256
09-24-2023 at 09:29 PM.
09-24-2023 at 09:29 PM.
I setup direct deposit through my pay check and second deposit was on Aug 31st, got bonus on Sep 7th
Reply
Joined Dec 2008
L1: Learner
> bubble2 9 Posts
10 Reputation
alphagfx
09-25-2023 at 08:25 AM.
09-25-2023 at 08:25 AM.
Quote from SplendidRecess935 :
Now I'm starting to kind of second guess myself with the PayPal transfers. Can anyone that's had this go successfully chime in here just so I know whether I did this right?

I sent the money via transfer to the Capital One Bank. I had the PayPal account connected to the bank. Now, looking around in the app I see there is an option to send it via Xoom also and I'm wondering if that was the way I was supposed to do it. I'm probably overthinking it but wanted to ask. Thanks in advance, and stay slick my friends!
How did you manage to do transfer to Capital One bank account?
Paypal doesn't let to make it directly as one step transaction: 'Another Bank' (funding) -> Capital One when the Paypal balance is 0.
As opposed to the Paypal transfer Xoom does charge fees ~ $2.5 for $250, doesn't it?
Reply
Joined Jun 2018
New User
> bubble2 11 Posts
10 Reputation
SplendidRecess935
09-25-2023 at 01:53 PM.
09-25-2023 at 01:53 PM.
I guess I'm not sure what you're asking. To clarify, the balance in my PayPal account was not 0 though. I transferred $510 in from my bank, and then sent over two different transfers of $255.

I went into wallet, clicked my PayPal balance and transferred it to capital one that way. I also see that I could have clicked the send button and went through it that way. I guess I will see. My second transfer went in this morning so I will update if I get the bonus either way. Looks like it is taking about 5 days or so for most. I'll wait maybe a week unless I get it sooner.

Thanks for the input!
Reply
Joined Dec 2008
L1: Learner
> bubble2 9 Posts
10 Reputation
alphagfx
09-25-2023 at 02:07 PM.
09-25-2023 at 02:07 PM.
Quote from SplendidRecess935 :
I guess I'm not sure what you're asking. To clarify, the balance in my PayPal account was not 0 though. I transferred $510 in from my bank, and then sent over two different transfers of $255.

I went into wallet, clicked my PayPal balance and transferred it to capital one that way. I also see that I could have clicked the send button and went through it that way. I guess I will see. My second transfer went in this morning so I will update if I get the bonus either way. Looks like it is taking about 5 days or so for most. I'll wait maybe a week unless I get it sooner.

Thanks for the input!
Thank you for the details. It definitely takes several days to fill in 0 Paypal balance before making the transfer.
I was wondering if there is a tricky way to make it: source bank -> Capital One directly through Paypal Smilie

Also, could you please share how Capital One coded your transactions (online or via app) - P2P or DD?
Reply
Last edited by alphagfx September 27, 2023 at 02:10 PM.
Joined Jun 2011
L5: Journeyman
> bubble2 584 Posts
227 Reputation
arcanition
09-25-2023 at 03:52 PM.
09-25-2023 at 03:52 PM.
Can confirm that Chase ACH transfers (via routing/account number, using standard slower transfer) are eligible DD for this promotion.

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
09/25: Received $350 new account bonus from Capone (~3 business days after my 2nd eligible deposit)
Reply
Joined Aug 2014
New User
> bubble2 151 Posts
34 Reputation
deal_seeker_rj
09-25-2023 at 07:16 PM.
09-25-2023 at 07:16 PM.
Can you close the account online or do you have to call them?
Reply

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Joined Nov 2009
L2: Beginner
> bubble2 76 Posts
19 Reputation
Joeski
09-25-2023 at 07:58 PM.
09-25-2023 at 07:58 PM.
Quote from arcanition :
Can confirm that Chase ACH transfers (via routing/account number, using standard slower transfer) are eligible DD for this promotion.

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
09/25: Received $350 new account bonus from Capone (~3 business days after my 2nd eligible deposit)

I 2nd this. Did the ACH standard transfer. 2nd deposit cleared on 9/19/23. Received the bonus today!
Reply
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