Does Capital One 360 count as direct deposit? Bank by bank (2026)
Good; fails at Chase. Consumer product — business pushes are keyed separately (capital_one_business).
Type: Bank
Confirmed working at 12 banks, mixed at 4, fails at 2.
Bank by bank
Sorted works first, then mixed, then fails. Each bank name links to its review, where you can see the offer's full requirements.
| Bank | Verdict | Reports |
|---|---|---|
| U.S. Bank | Works | — |
| Bank of America | Works | 21 member reports of it working, 7 reports of it failing, last confirmed Aug 2026. |
| Citi | Works | 25 member reports of it working, 8 reports of it failing, last confirmed Oct 2025. |
| Wells Fargo | Works | 37 member reports of it working, 3 reports of it failing, last confirmed Sep 2026. |
| PNC | Works | 43 member reports of it working, 10 reports of it failing, last confirmed Jun 2026. |
| Truist | Works | — |
| Fifth Third | Works | 4 member reports of it working, last confirmed Jul 2026. |
| KeyBank | Works | — |
| Regions | Works | 2 member reports of it working, last confirmed Jul 2026. |
| Huntington | Works | 11 member reports of it working, 1 report of it failing, last confirmed May 2026. |
| Connexus Credit Union | Works | — |
| Consumers Credit Union (Illinois) | Works | — |
| TD Bank | Mixed | 5 member reports of it working, 1 report of it failing, last confirmed Dec 2025. |
| Citizens Bank | Mixed | 4 member reports of it working, last confirmed Mar 2026. |
| BMO | Mixed | — |
| PenFed | Mixed | — |
| Chase | Fails | — |
| Capital One 360 | Fails | — |
How to set it up
Good; fails at Chase. Consumer product — business pushes are keyed separately (capital_one_business).
Send at least the offer's stated minimum, a little early in your bonus window. Standard ACH takes 1 to 3 business days to settle, so you want time left over to switch to real payroll if this push does not register as a direct deposit.