[Expired] Capital One 360 $100 Checking Bonus – Available Nationwide & Not Targeted!
This offer is no longer available.
Offer at a glance
- Maximum bonus amount: $100
- Availability: Nationwide
- Direct deposit required: Two direct deposits of $250 or more
- Additional requirements: None
- Hard/soft pull: Soft, as long as you opt out of overdraft protection
- ChexSystems: Unknown
- Credit card funding: None
- Monthly fees: None
- Early account termination fee: None
- Expiration date: January 31st, 2017
The Offer
- Open a new Capital One 360 checking account and receive a $100 bonus when you:
- Receive two direct deposits of $250 or more within 60 days of accepting the terms
The Fine Print
- To qualify for the bonus, you must be the primary account holder, and this has to be your first 360 Checking account (this includes former Electric Orange accounts, too)
- To earn the $100 bonus, you must open a 360 Checking Account between October 27, 2016, and January 31, 2017, 11:59p.m. ET, and receive 2 direct deposits of $250 or more within 60 days of your acceptance of account terms and conditions.
- You will receive the $100 credit to your checking account about 90 days after your acceptance of account terms and conditions.
- This offer cannot be combined with any other Capital One Bank new account opening offer.
- Direct deposits must be an electronic deposit of one of the following: your paycheck from your employer, Social Security/pension or other government benefits. Direct deposit is subject ot employer or other payor options.
Avoiding Fees
There are no monthly fees on this account and no early account termination fee.
Our Verdict
This is an extension of this bonus that was previously only offered in three states. We haven’t seen a public nationwide Capital One 360 bonus since 2014 but recently Capital One have been sending out targeted bonuses for these accounts for anywhere from $100-$400.
It’s really up to you to decide whether to wait and hope for a targeted higher bonus, or grab this $100 bonus. This is definitely an easy bonus (they haven’t really been strict on what actually triggers the direct deposit requirement before). I’d probably recommend doing one or more of the other bonuses we recommend first and hoping for a higher targeted bonus, you always have until January of next year to actually do this one.
Hat tip to reader Jason
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
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Seems to get the $100 you need to open the account and the two direct deposits by Dec 31 and not Jan 31.
A sweet $100 bonus
You’ll earn an extra $100 when you accept the terms on a 360 Checking Account by December 31, 2016, and receive 2 direct deposits of $250 or more within 60 days of accepting the terms.
You have 60 days from accepting the terms to do the 2 direct deposits. Account must be opened by January 31st.
Does that mean we will earn $200 overall?
Fine print:
“Beginning November 1, 2016, to qualify for the bonus, you must be the primary account holder, and this has to be your first 360 Checking Account (this includes former Electric Orange accounts, too). You must be a legal US resident of MA, NH, RI, or VT and enter the promo code GET100 upon opening to be eligible to receive the bonus. ”
It’s not nationwide !
https://www.capitalone.com/checkingbonus100/
After clicking in Open Now button, a page was shown with sign in requirement. How can I do next if I don’t have any Capital one account ?
The fine print there is:
“To qualify for the bonus, you must be the primary account holder, and this has to be your first 360 Checking account (this includes former Electric Orange accounts, too).
To earn the $100 bonus, you must open a 360 Checking Account between October 27, 2016, and January 31, 2017, 11:59p.m. ET, and receive 2 direct deposits of $250 or more within 60 days of your acceptance of account terms and conditions. You will receive the $100 credit to your checking account about 90 days after your acceptance of account terms and conditions. This offer cannot be combined with any other Capital One Bank new account opening offer.
Direct deposits must be an electronic deposit of one of the following: your paycheck from your employer, Social Security/pension or other government benefits. Direct deposit is subject ot employer or other payor options.”
Sorry, had the wrong link up.
I’ve never had a Capital One checking account but have had one of their savings accounts in the past, would I be eligible for the bonus?
It just excludes people with checking accounts previously, so should be OK
Thanks
I had an Orange account when Orange was under the previous name as a separate entity. When I started to sign up, their system knew me and looped back to the signup page. Net effect I did not complete the offer and could not if I tried.
My Dad received their mail offer twice but the bonus is greater than the public one: $200 for opening the first High Yield Checking or Essential Checking by 12/31 and complete 2 direct deposits or mobile deposits within first 90 days of account opening. And then another $400 if open the first Essential Savings account and deposit $50,000 or more by 12/31. Total possible bonus is $600. But the mail offer must be completed in branch by 12/31 and use the promotion code YH4. There are other terms at the back of the mail offer but even though I want to go in branch with him, probably just do the $200 bonus for checking only.
So the public $100 is online. Some ppl can be targeted for greater bonus but must be in branch.
You do need a login to capital one to start the application online. My dad and I both have Capital One credit card for long so I don’t know for those have no relationship with them can still do this one or not.
By the way, no Chex question for me when I sign up. I guess that is because I used my Credit Card account login so that pull my info and no need to ask me to answer any questions. And capital360 is not sensitive about Chex inquries (currently 30) on my report. Of course they can shut me down in a couple of weeks if they have rules about inquiries but at least still live at this moment.
A little off topic stuff: If my memory serves me well, capital one 360 can trigger DD for Santander bank.
How would one improve their chances of being targeted for a higher power for Capital One?
No idea sorry
power = bonus (thank you auto complete)
There have been reports Capital One 360 checking web site was hacked and providing some ID theft service – not sure how good.
Link?
can it be combined with referral bonus?
please let me know the nationwide linkage.
https://www.capitalone.com/checkingbonus100/
When I visit this link and click “Open Now”, it takes me to a sign-in screen, and if I click “enroll now”, it takes me to a page where I have to enter the details for a CapitalOne credit card. How can someone without a CapitalOne login open this checking account? Thanks!
I thought a cap360 checking was a hard pull?
Hasn’t been true for a long time as long as you opt out of overdraft protection.
> We haven’t seen a public nationwide Capital One 360 bonus since 2014
Are you sure? I got a Capital One 360 bonus of $500 last year on a $50k deposit, had to leave it there 90 days at least, and it also had a 0.75% interest. I do not recall how I found out about it, but I am rather sure it was just a public web site that anyone could sign up from. Keep in mind, “Capital One 360” is not exactly the same entity as Capital One Bank, though they are trying to make all their services (credit card, retail bank, and online) work through the same web portal, which is nice. They bought ING Direct. It’s a fully online bank, like Ally or many others now.
In any case, $100 does not seem like that great of a bonus. The $500 program ran from the early summer, was supposed to end in August, but got extended until the end of November.
For what it’s worth, I’ve really liked banking and credit carding with Capital One. My local branch closed, sadly, but aside from one little glitch (that they corrected and comped me; and it was arguably not fully their fault) they’ve been really on top of their game, credit card as well.
For those reading my above comment, “end of November” meant Nov 2015, not this year. I was referring only to the events of last year.
That’s a Capital One 360 savings bonus, this is for checking accounts. That also wasn’t a particularly good offer when you looked at the actual APY you were receiving.
Well, I was just responding to the text as given (“a public nationwide Capital One 360 bonus”), but I take your point.
As far as last year’s 360 Savings went: Didn’t the APY work out to 4.75%? Why shouldn’t that strike me as a particularly good offer? I read your previous write-up, but didn’t understand the sentence, “If you opened another account for a $100 bonus, suddenly this Capital One 360 deal becomes less attractive.” Thanks for any clarification.
You need to look at the opportunity cost of signing up for another bank account bonus, because you can’t sign up for unlimited bonuses.
Sorry, I still don’t get that. What other *no-risk* opportunity could I be getting in those three months? I could sign up for 7 $100 bank bonuses with no interest and beat this, but that’s a big hassle and beyond what I’m willing to do. (For $200 ones, it gets more favorable, but at the time last year I wasn’t seeing many options).
And I don’t know what the point of “you can’t sign up for unlimited bonuses” is. Sure, I can’t, but while good bonuses are offered, why not take them? I kind of thought that was the whole point of this blog?
Sorry, I just feel like I’m not seeing something and since this stuff matters, I’d like to understand. I appreciate you patience.
The sign-up of bank accounts leaves inquiry on your chex report. If you have had too many inquiries, you won’t be able to sign up for the bank account.
The number of the inquiries on Chex system is what limits you from signing up “another” bank account. Let’s say 10 is the max. for everybody, you sign up your 10th on Capital One 360, you get $100. You may see other bank bonus of $150 or an easier $100 but you won’t be able to do the 11th in a short time before it expires, that’s your opportunity cost.
Thanks, Jason, but that still doesn’t make sense. The Capital One 360 Savings last year was a $500 bonus + 0.75% interest, which came to 4.75% APY. Those were excellent numbers, so why should I pass on that just to be able to insure taking a different offer at a $100 bonus + 0.0% APY? That makes as much sense as saying, “Don’t eat that delicious sandwich, or else you won’t have an appetite left for this single slice of bread.”
I realized my example of opportunity cost is not what William intends to mean. So let me explain again from the beginning.
Use the table in this post: https://www.doctorofcredit.com/capital-one-360-savings-up-to-500-bonus/
So you deposited 50k in Capital One saving and you finally got about $593 ($500 bonus+$93 as interest). Of course you would receive their 1099 form to report income on interest but we simplify our math without taking this into calculation here. Your APY estimates to be (0.75%*50k+500)/50k*100%=1.75%, not 4.75%.
The reason you thought you were getting 4.75% was because you assumed $500 x 4=$2000 bonus based on $500 on 90 days. ($2000+0.75%X50K)/50K=4.75%. However, keep in mind that no matter how long you keep the saving with Capital One, you only get a one time $500 so you should not use 500X4 when calculating your interest rate. Guess that’s why William asked to look at “actual APY”.
And if we look back at the table from that previous post, it was clearly showing it did not gain as much as a 5% saving account. You got $593 within 3 months including bonus, while others deposited the same amount to a 5% for 3 months without bonus but getting $625. (50K*5%/12*3=625). That was your opportunity cost.
My previous example of opportunity cost was answering the question on can or cannot open. Your opportunity cost was how much less, once account open.
Working link: https://www.capitalone.com/bonus100/
Yes, it’s a working link. They probably have updated the link as the one I gave before was not working anymore.
For this link, it is said that “You must be a legal US resident of MA, NH, RI, or VT and enter the promo code GET100 upon opening to be eligible to receive the bonus.”. Who can help me get the nationwide link ? Thanks.
Hello DOC, it looks to me that they have removed the previous link I found on their website, and that offer was open to public. The new link http://www.capitalone.com/bonus100/ does have area limited language and the promotion code is different with mine. So I don’t know if you need to edit the post.
I just spoke with 2 CS in Capital One. I don’t think they understood my questions. One said in case the bonus does not post automatically I can call up and ask them to add it manually.
The link I found on 11/4 was this : https://www.capitalone.com/checkingbonus100 And the promotion code I used was KK8
I’ll advise if I can get the bonus.
Hi Jason, your last reply to me doesn’t provide a reply link, so I’m using this. Sorry.
You wrote:
> So you deposited 50k in Capital One saving and you finally got about $593
> ($500 bonus+$93 as interest). Of course you would receive their 1099 form
> to report income on interest but we simplify our math without taking this into
> calculation here.
> Your APY estimates to be (0.75%*50k+500)/50k*100%=1.75%, not 4.75%.
> The reason you thought you were getting 4.75% was because you assumed
> $500 x 4=$2000 bonus based on $500 on 90 days.
> ($2000+0.75%X50K)/50K=4.75%. However, keep in mind that no matter
> how long you keep the saving with Capital One, you only get a one time
> $500 so you should not use 500X4 when calculating your interest rate.
> Guess that’s why William asked to look at “actual APY”.
No, this is not right. APY is *Annual* percentage yield. The hold period here is only 90 days, aka 1/4 of one year. So in 1/4 of a year I make $593 on $50k. That is perfectly equivalent to making $593 x 4 on 50k in one year. Which is:
(593*4)/50000 * 100 = 4.74%
Sure, if I had to lock my 50k away for the entire year, then it would certainly be 1.75%. But I was able to–and did–move this money into another account right after the 90 day period ended. During those three months, though, there was no better game in town, since I was unable to find a credit union or anything else that could beat this, AND I did not have to make additional card swipes in order to get it. Just park and collect.