[Expired] Capital One $100 Checking Bonus, No Direct Deposit Required

Deal has ended, view more bank account bonuses by clicking here.

Update 11/23/20: Deal is back but not worth considering due to the $250 and $400 checking bonuses. Hat tip to reader Thomas L

Offer at a glance

  • Maximum bonus amount:
  • Availability: Nationwide
  • Direct deposit required: No
  • Additional requirements: $300 in debit card transactions within 90 days
  • Hard/soft pull: Soft (overdraft protection no longer being offered)
  • ChexSystems: Mixed. EWS sensitive according to the comments
  • Credit card funding: None
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None listed
  • Expiration date: October 20, 2020 January 26, 2021

The Offer

Direct link to offer

  • Capital One is offering a bonus of $100 when you open a new 360 checking account and complete the following requirements:
    • Use promo code BANK100
    • Spend at least $300 with debit card within 90 days of account opening

The Fine Print

  • Open a 360 Checking account between 12:00 a.m. ET on August 24, 2020, and 11:59 p.m. ET on October 20, 2020. When you open your account, enter your promotional code – CHECK100. If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after January 1, 2018, you’re ineligible for the bonus. This account is subject to approval.
  • After you open your account, over the next 90 days, you must spend at least $300 with your Capital One 360 Checking debit card (spend period). During the 90-day spend period, only in-person and online transactions with your debit card will qualify as spend. ATM transactions, Zelle® transactions or bill payments (ACH) will not qualify. Some transactions may post later than the date of purchase. For bonus eligibility – transactions must be made and posted within the 90-day spend period.
  • Bonus will post to your new 360 Checking account within 60 days after your 90-day spend period ends.
    This offer cannot be combined with any other 360 Checking account opening offers.
  • Only one promotional code is accepted. Bonus is only valid for one new 360 Checking account.
  • If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about

Early Account Termination Fee

There is no early account termination fee

Our Verdict

We frequently see Capital One Money Market bonuses for up to $500. There used to be more frequent checking bonuses, but as far as I remember we haven’t seen one of those in some time (I might be very wrong about this). It looks like you can do this bonus as long as you haven’t had 360 Checking account as of January 1, 2018.

The requirements themselves are easy to meet, so we will add this to our list of the best checking account bonuses.

Hat tip to dankirk0

Useful posts regarding bank bonuses:
    William Charles
  • On November 23, 2020, 20:30
Tags: direct deposit not requirednationwide bank bonusesno credit card fundingsoft pull

View Comments (288)

  • Just got the following offer in email.
    360 Checking is changing the game with early direct deposit. With this free feature, get your paychecks up to 2 days sooner so you can start earning interest earlier. And right now, new 360 Checking customers can also earn a $150 bonus.

    Here’s how to earn your $150 bonus:

    Open a 360 Checking account with promo code BONUS150.

    Set up and receive 2 direct deposits each of $250 or more in the first 75 days.

    Earn $150—it’s bonus time.
    The easiest decision just got easier.
    Get started with fee-free 360 Checking.

  • I just called now regarding the $100 bonus. I opened my account 10/12 and met all the requirements very quickly. The rep told me I did not use the promo code. I absolutely did but did not take a screenshot of it. I told her it was CHECK100 at the time and she put me on hold again. When she came back, she said she was forwarding it to the promo department (sounds like b.s.) and they would look into it and let me know within 20 days. She said it may not get approved. I told her I hope so or I would have to file a complaint with the cfpb. I'll wait the 20 days and if no bonus, I'm filing a complaint.

  • Called today regarding the $100 bonus, account opened 8/28. They told me I did not use the promo code and going back to this thread itself, i advised others to make sure to type in the promo code since it was kind of hidden. I did not screenshot the app at the time however smh. Rep told me I did in fact meet the requirements however I did not add the promo code which has to be b.s. They said something about a manual added bonus which may or may not get approved within 20 biz days. Should I file a cfpb complaint to get this moving 'quicker'?

    • Same thing happened to my wife. She called and they gave her the same "wait 20 days" line, but the bonus was in her account the next day. I think it helped that I was able to retrieve the bonus code BANK100 from DoC. Thanks DoC!

    • To add on to this, I logged in today and the bonus was there. I don't want to guarantee you'll get it because different reps will take it differently but it seems like you'll have a good chance. Still annoyed they did $250/400 bonuses RIGHT AFTER this, would have CFPB'd them anyway even if they were 100% correct out of spite.

    • They told me the same thing but mine was started about 2 weeks before yours. I'll give them 20 business days to resolve it but if they don't I will CFPB.

  • Anyone get a 1099-INT for this bonus? I haven't gotten one in the mail nor do I have one in my online login.

    Wondering if it's one of those promos where since it requires to spend $X amount they don't send one. Considered a rebate or something.

  • Capital One 360 checking $100 bonus

    10/20/20 - Opened

    11/6/20 - Paid $155 debit to friend via Cash App

    11/10/20 - Paid $160 debit to DMV

    1/7/21 - Funded $200 debit to my Cash App

    1/10/21 - Funded $101 debit to my Cash App

    1/19/21 - $100 bonus posted

  • So I opened the $400 bonus 360 checking and when I logged into my account it gave me the pop up for $100 bonus (the one in this post). Can I open a second 360 checking account and do this as well? Seemed odd to have the advertisement within the 360 checking account that is already linked to the bonus. No terms stating you can't have an account within a certain timeframe. Just 1 bonus per checking account, so I assumed it did not stack with the $400 bonus.

  • Opened 8/28/2020
    Bonus paid 12/3/2020
    Closed today via phone. I couldn't find chat option anywhere

  • hmm.. opened 9/14 and spent $300 on 9/24 with still no bouns. I guess I'd have to wait until 2/14 until further action since that's 90+60 days

    • My wife is in exactly the same situation as you, although I got my bonus almost immediately after spending $300.

      • Yup, it seems that taking your time makes the bonus move super slowly. I've done it for a family of 4 and the fastest people to spend got their bonuses long ago.

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