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Capital One 360 Checking Review And Current Promotions

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Capital One 360 Checking Review And Current Promotions

Capital-One-360-Checking-Featured

The Capital One 360 Checking is the online checking account option offered by Capital One bank.

Because it is an online bank, anyone in the United States can apply. It has gained popularity due to it being fee-free and it’s actually an interest-earning checking account.

Capital One 360 Checking review highlights:

Capital One 360 Checking Features:

  • Fee-free and earns interest: no hidden fees and no minimum account balance to worry about.
    • 360 Checking Rates:
      • $0 – $49,999.99 = 0.20% APY
      • $50,000 – $99,999.99 = 0.75% APY
      • $100,000.00 or more = 0.90% APY
  • You’ll have access to 38,000 fee-free Allpoint ATMs and 2,000 Capital One ATMs. Unlike with some online banks, you don’t have to worry about not having easy access to a local fee-free ATM. Not only can you use Capital One Bank ATMs, but you’ll find Allpoint ATMs at common places like 7-Eleven, Walgreens, CVS, common grocers, etc.
  • Yes, the account comes with a free MasterCard Debit Card
  • You can make deposits via the mobile app and you’ll get one free checkbook
  • Link it with the Capital One 360 Savings account to serve as overdraft protection by pulling funds from it. Or, you can choose to apply for an Overdraft Line of Credit, where you’ll pay interest on the amount you borrow.

Capital One 360 Checking Promotions

Up To $1,000 Bonus

Once you have an account open, you can earn $20 for each person you refer, up to a $1,000 bonus. You can earn this referral bonus for either the 360 Checking or Savings account. You’ll be able to refer via Facebook, Twitter, Email, or post your referral link anywhere.

$50 Sign-Up Bonus

Sign up for either the Capital One 360 Checking or Savings account to earn a $25 bonus, or a $50 bonus for both.

  • Promotion Link: Sign-Up Bonus
  • Expiration: None
  • Bonus Amount: $50 Total
  • Account(s) Eligible: Capital One 360 Checking/Savings
  • Availability: nationwide
  • Direct Deposit Requirement: None
  • Other Requirements:
    • 360 Checking Bonus:
      • Open with an initial deposit of at least $250 from a non-Capital One 360 account.
      • Make a total of 3 Debit Card purchases or Person2Person Payments (or any combo of the two) that post to the account within 45 days of account opening.
      • The $25 bonus will automatically be deposited into your account on day 50, once the requirements are met.
    • 360 Savings Bonus:
      • You must make an initial deposit of at least $250 from a non-Capital One 360 account.
      • Your $25 bonus will automatically be deposited into your account upon account opening.
      • Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days, once the requirements are met.

$400 Capital One 360 Checking Bonus

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*This is a targeted offer sent out to several customers and doesn’t appear to be available currently.

Some have called in about the offer and have been offered a $100 bonus instead if it was not available.

The $400 bonus required two $250+ direct deposits to be eligible.