Question 1

What direct deposit counts for the Capital One 360 Checking bonus?

Accepted Answer

Capital One requires two separate direct deposits of $500 or more each within 75 days of opening, totaling at least $1,000. Employer payroll, government benefits, and pension payments all qualify. ACH pushes from external fintechs and brokerages have generally worked for Capital One based on community reports. Standard ACH pulls you initiate yourself do not count.

Question 2

How long does Capital One take to pay the $250 bonus?

Accepted Answer

Capital One typically deposits the $250 bonus within 60 days after you complete the second qualifying direct deposit. The full process from account opening to bonus posting usually takes around 135 days. You can track your progress by signing in to your Capital One online banking or the mobile app.

Question 3

Can I get the Capital One bonus if I had a 360 Checking account before?

Accepted Answer

You are not eligible if you have had certain Capital One personal checking accounts since January 1, 2022. The 360 Checking account itself has no waiting period to rechurn once you become eligible again. Always confirm your eligibility on the offer page before applying since Capital One updates these terms periodically.

Question 4

Does Capital One do a hard credit pull to open a 360 Checking?

Accepted Answer

No. Capital One does not pull your credit to open a 360 Checking.

Question 5

Is the Capital One 360 Checking bonus available nationwide?

Accepted Answer

Yes. The Capital One 360 Checking bonus is available to applicants in all 50 states.

Question 6

Can I earn the Capital One 360 Checking bonus more than once?

Accepted Answer

Yes. This bonus is rechurnable. You must wait 0 days after closing the account before applying again.

Capital One 360 Checking $250 Bonus

Requirements

Direct Deposit Data Points 36

Account Details

Eligibility

Can You Earn This Bonus Again?

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