[Expired] Capital One 360 – $200 Money Market Bonus – Publicly Available (1% APY & Requires $10,000 Deposited)
Deal has now expired, click here to view the best checking/savings bonuses
4/4/17 Update: Reposting as code is actually working now.
Bonus has been extended until June 30th, 2017. New promo code is 200GROW. Looks like the promo code is not currently being accepted, if anybody gets it to work please let us know in the comments below.
Offer at a glance
- Maximum bonus amount: $200
- Availability: Nationwide
- Interest rate: 1% on balances of $10,000 or more, 0.6% on balances of $10,000 or less.
- Deposit requirement: $10,000
- Deposit length: None listed (10 days if it’s your initial deposit)
- Hard/soft pull: Soft
- ChexSystems: Yes
- Credit card funding: None
- Monthly fees: None
- Early account termination fee: None
- Household limit: None
- Expiration date: Must deposit at least $10,000 no later than 6/30/2017 11:59 p.m
The Offer
- Open a new Capital One 360 Money Market account and get a bonus of $200 when complete the following:
- Use promo code 200GROW this is not autofilled! (Should be found under the funding your account tab)
- Deposit $10,000 or more by June 30th, 2017
The Fine Print
- To qualify for the $200 bonus, open your very first 360 Money Market account online and deposit at least $10,000 no later than 6/30/2017 11:59 p.m. (If you currently have or have had a Savings product with Capital One Bank, Capital One 360 or ING DIRECT before or are a Capital One Associate, you won’t be eligible for the bonus.) In order to qualify for the bonus, you must make a deposit from an external account. Transfers between any Capital One accounts will not qualify. This offer cannot be combined with any other Capital One Bank or Capital One 360 new account opening offer, and is strictly non-transferable. Bonus offer is not valid for multiple accounts and is only available one per account.
- If you qualify for a bonus, Capital One will deposit the bonus money into your account in approximately 6-8 weeks after completing the above conditions. Once it’s deposited, the funds will be available immediately. Account must be in good standing (not in default, closed, or suspended, or otherwise not in good standing).
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
This account has no monthly fees or minimums to worry about.
Our Verdict
They have previously offered this deal, but it has always had targeted language in the fine print. This is no longer the case and it’s available to everybody. The best part of this bonus is that there is no minimum length the $10,000 needs to be deposited for (I don’t know if ACHing in & out smaller amounts will work or not. E.g transfer $5,000 in, transfer $5,000 out and then repeat. Let us know in the comments. Update, ACHing in and out does work).
Bonus usually posts quite quickly after the $10,000 has been deposited. The 1% APY rate is OK, but there are better rates available. We will be adding this to our list of the best savings accounts. Capital One also have a $200 bonus on their checking accounts, but this one still contains the targeted language.
Big thanks to reader, Justincase who let us know. Learn how to find bonuses and contribute to the site here.
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
- Banks That Allow/Don’t Allow Out Of State Checking Applications
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272 Responses to [Expired] Capital One 360 – $200 Money Market Bonus – Publicly Available (1% APY & Requires $10,000 Deposited)
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Ugh applied for the $100 bonus last December…
See if they will match and report back
I asked for a match a while back and was denied, but will try again now that this offer is public
Ok, please let us know!
But the terms say you’ll be ineligible since you’ve had the account before
His goal is to get them to increase the bonus he just qualified for a few weeks ago to match the current offer, not to reapply trying to get both offers. They probably still won’t do it, but it wouldn’t hurt to ask.
I just called their customer service, and the rep told me that this non-targeted promo has just expired on April 30th. They have a targeted promo till June 30th.
Great find, thanks!
I have a 360 Savings, the language seems to indicate I am not eligible 🙁
That’s correct
Doesn’t hurt to try to apply to see if they’ll give a bonus slipping thru. Technically savings is a different product compared to money market, so maybe they’ll let it slid. Let us know how it goes.
Didn’t slip through for me. I had a 360 Savings account already when I opened the 360 Money Market in March 2017 with 200GROW. I have not received the $200 bonus, and when I called today to ask about it they said it was that preexisting savings acct which made me ineligible for the bonus.
Where do i put in the invitation code?
You’ll put the code under “Funding Your Account” tab.
I’m not sure if I’ve ever had an ING account. Has anyone successfully confirmed with Cap1 if you’re eligible before applying? Would be pretty annoying if I went through the hoops only to not qualify.
My husband is wondering the same thing.
I called the phone number listed on the bonus and without using any prompts was transferred to someone who was able to look me up in the system by SSN to see if I qualified for this bonus. Was a < 5 minute phone call so I'd definitely recommend calling in and verifying before opening.
Great, thanks.
https://www.capitalone.com/contact/360-bank/
new customers:
1-800-464-3473
(8AM – 8PM, 7 days a week)
thanks for that tip
thanks. I was told I am ineligible due to ING Direct savings account 10 years ago 🙁
Newb q.: The “hard pull” that this generates — how will this affect my 650 TransUnion score, and for how long, approximately. Anyone know?
This account doesn’t do a hard pull, you can see how a hard pull would affect your score here: https://www.doctorofcredit.com/credit-scores/fico-score/
I had got Capital One 360 Checking bonus of mere $ 50 and Capital one 360 Savings bonus of $ 75 in 2014. Looks like I am not eligible for any capital one 360 offer. Shucks should have waited till 2017 🙁
Both me and my wife got “data mismatch” – please call us errors…
I bet the address is fucked up somewhere…
Got the same error. Signed in to an old account and I got around it
don’t have old account login…
Anyone tried calling? Have to wait till Monday…
The fine print indicates you are not eligible if you’ve had an account before? So, if you have an old login, you must have previously had an account and don’t qualify, right?
I had a checking account
So, you don’t qualify, right? I am a current Cap360 savings customer. Just wondering if you are reading this differently than I am.
“To qualify for the $200 bonus, open your very first 360 Money Market account online … (If you currently have or have had a Savings product with Capital One Bank, Capital One 360 or ING DIRECT before or are a Capital One Associate, you won’t be eligible for the bonus.)”
EBF that says if you have or had a SAVINGS product. They had a CHECKING product.
Able to open account with the code and bonus was confirmed after funding the account while opening…
Got the below msg – “Welcome Aboard. Your 360 Money Market Account is open and you’ll receive your $200 bonus within 6-8 weeks”
Probably just poor wording, but I got this message after depositing an initial $20
“Generally, you can’t withdraw
a deposit for 5 business days. However, when you first open your account, you won’t be able to
withdraw any money for the first 10 business days.” — From the account disclosures
Also, it’s U.S. citizens and permanent residents only. (also in the disclosures)
Does the 1% apply to the whole balance, or just over $10k?
“The 1.00% Annual Percentage Yield (APY) applies to the entire account balance for accounts with balances of $10,000.00 or more”
Thanks Doc! opened the account with $100 initial deposit.
Hey guys. Does the 200STRONG code need to be manually entered at some point within the app? If so, on which page? I see that it’s a 6 page app. I ask since I am curious if you can stack this bonus with a referral link bonus. While hunting around, I have found a few standard referral links for $25, but they take you to an app which looks very different than this one.
On the same note, has anyone ever used a referral link bonus to stack with a sign up bonus?
Thanks.
Bonuses don’t stack AFAIK.
Thanks for the reply, William. Was starting to think that a bit after I posted. Since Cap1 is a once-in-a-lifetime bonus, no point messing around with it, going straight for the $200.
Don’t think I need to tell you, but thanks for having the best site!!
Thanks for the kind words
Would cap1 allow to open MM account with ITIN?
Try it and let us know
In Account Disclosures they have clearly mentioned as below:
Who Can Open an Account: You must be a United States citizen or lawful permanent resident with a U.S. physical address or with military addresses (APO or FPO) and valid Social Security Number to open an account. Individual Taxpayer Identification Numbers (ITINs) are not acceptable.
Thanks
Sometimes the system can’t tell btw.
I can’t find disclosure, is there link to this than anyone can provide.
In most bank accounts people on work visa with ssn can open account by opening it in bank physically or by providing passport and visa details.
One of the easier account openings (much quicker and less convoluted than getting the Wells Fargo $250). One cautionary note: I was about to click “submit” and noticed the promotion code 200STRONG was not in the box. Not sure if it was supposed to automatically appear there using the link. Trial deposits should appear in the funding account in a few days,
I’ll make it clearer you need to add this.
Definitely one of the easier accounts to open. Same as Nick had to type in the promo code so don’t go too fast! Waiting on trial deposits before funding will complete. Funded with 10,000. Got the your bonus will post in 6-8 weeks notice.
First Capital One account of any sort. Maybe I’ll get a checking account offer in the future now!
Laura, I was thinking exactly the same thing! Opening this account with the 10K might set off a few alarms to get us a good checking offer or more. I’m sure the system has it all in place. With no minimum term the last thing they’d want is customers grabbing the bonus and then closing the account. I’m willing to bet we’ll be seeing some offers to make us want to stick around for awhile. And with the 1% rate anyway it’s not much of a sacrifice .
WAS SO EASY TO OPEN! thank you so much!
I see several DPs on SD forum, they called and been told it is targeted…
https://slickdeals.net/forums/showpost.php?p=97260191&postcount=106
https://slickdeals.net/forums/showpost.php?p=97260643&postcount=108
Never call the bank. There is no language that says targeted and there has been advertisements for this promo.
I didn’t since it is the 1st rule.
Pulled the trigger because always trust you. Got the bonus language after submit application. Hope to see the bonus soon
Great find! Just opened an account and got the bonus language.
So the 10k doesn’t have to remain in the account until the bonus is paid, correct? Just as long as the account is in good standing, the bonus should pay?
Good question. Did you figure out the answer?
Man…I went through the application process and couldn’t find out where to enter the code. Now I have an opened account with no bonus. Thanks for updating your instructions, but I guess it’s too late for me.
Contact them and ask them to attach it
I am in the same boat. I will contact them and let you know what they say. If they deny me, I will be pissed. I have NEVER had any acct with them previously. I just hope they don’t make some excuse such as “we can’t manually add it” BS
I tried to get them to attach it, but they indicated this was a targeted offer and they couldn’t. Since the interest rate was lower than my other savings account, it didn’t make sense for me to keep the account. I ended up closing mine.
I applied but didn’t get past the verification and the page asked me to call them for security reasons. Should I call in and try to do the app over the phone or not even bother?
I called and went straight to voicemail…
Yep, got the same thing – straight to voice mail even though I’m calling during their business hours.
I entered the code 200strong and was told it was not valid. I called and was told that the promotion was targeted and I was not eligible.
Tried applying twice today. Got the same “data mismatch” – please call us error as Dan above. When I called it took 2 transfers and 20 mins for them to tell me it was targeted and I was not eligible….
PP mentioned account disclosures state 10 business days before you can withdraw the deposit. I can confirm that is what my account shows. It shows the initial deposit of 10,000 posting on 3/6 (even though they haven’t withdrawn the money from my other bank yet) and states “This deposit will be fully available by Mar 20, 2017”
Made this clearer
Tried applying to the account, and a screen saying “We need more info before you can keep going”, and telling me to call 866-877-2995? Have anyone encountered this before? What will they ask me to provide, and in this case how can I add the promo code? Also, will this result in a hard pull in some way? Thanks.
This app is soooo easy – no ID verification questions at all.
Without the ID verify, does it mean no Chex inquiry either?
Everything worked great for me. “Your 360 Money Market is open and you’ll receive your $200 bonus within 6-8 weeks.” I had a few ID verification questions.
Actually I got a “We need to speak with you regarding your account. Please call us”. I might have spoken too soon 🙂
DP: Phone call went okay. Deposited 10K to my new account on March 9. Now it says “This deposit will be fully available by Mar 23, 2017”. I plan to keep the account open and the money there for now anyway. It is just a bit slower than you expect. I opened other bank accounts recently (Ally), and the money was available in 2-3 business days. Oh well.
Just plan accordingly if you cannot spare the cash for 2 months.
One bonus per person, or per household?
“Household limit: None”. You should be good.
Thanks!
I’m currently waiting for the $200 bonus to post on the Cap One Checking, shouldn’t be a problem to do this one at the same time while I’m waiting for that right?
10K funding left my Ally account today. (There were no trial deposits despite Capital One saying there would be before funding could complete.)
I just called cap one after applying for the account and depositing 5k and they say its targeted. Has anyone experienced the same.
Another family member applied today and was instantly approved like I was, said it was an easy application, has never had a capital one or ING savings account.
This is invitation bonus only, open the account but when inquired later they told me no $200 for me because we did not issue you any invitation. Get lost.
Same thing for me. Google has AD (Off course paid by CapitalOne) But CapitalOne Says its invitation only. Spoke to 3 different REPs . All says no bonus for me. Mulling CFPB
Definitely file a CFPB complaint, no language that says it’s targeted and it’s also publicly advertised.
Thanks doc. I said the same. Rep says the language says the coupon is not transferable. That means it’s targeted . I said so as the every grocery store and any coupon you get anywhere. I also told targeted language is very specific and pointed the rep other targeted language put by cap one in the other ads. Anyways going with cfpb.
https://www.consumerfinance.gov/complaint/process/
CFPB complaint
Cha ching is right! Was targeted by mail and online through Cap1 credit card.
Mar 08 Cha-Ching! CashPromotion 200.00 10,201.00
Mar 03 Interest Rate Change to 0.995% (1.00% APY)
Mar 03 Ally Bank Deposit P2P 10,001.00 10,001.00
Feb 28 Account Open
I was not targeted since I dont have any association with C1. But I pulled the trigger because trust DoC
I am in the step 3 right now
3/5 open account
3/8 deposit p2p 10k, but shows “This deposit will be fully available by Mar 22, 2017” not sure whether this matters
3/9 Interest Rate Change to 0.995% (1.00% APY)
maybe i am just targeted but i have no idea, based the comments, when I opened account, the coupon did linked, and shows “to earn 200 bonus, deposit 10k…..” words
I have no reason to believe I was targeted for this promo. Used promo code 200strong.
2/27/17: open account with $10,100
3/07/17: ACH $10k back to my checking account
3/08/17: Cha-Ching! CashPromotion $200 paid
Thanks DoC!
As per capital one ….person is targeted . Do you have credit wise or any relationship with them . You can check..ask them if you were targeted. They check by zip code and social.
I have business credit cards only. Have never seen anything that directed me to sign up for this offer.
Thank you.
I confirm that I got the bonus. All that frustration and time wasted with phone calls with customer service reps was for nothing.
This just proves that bonus is not targeted.
Also few answers to questions asked by people
They will hold the deposit I. E. Funds for about 15 days. It does not matter for the bonus. My funds still on hold and still got the bonus. On the top of that bonus can be immidiately withdrawn. What I mean is though funds on hold the bonus is available to spend or withdraw.
To anyone who gets told how this is “targeted” by Capital One: I googled “Capital One Money Market” and an to “Open with 10K or more with capital one and earn both 1.00% APR Plus $200 Bonus” is literally the first ad that I see on my screen, heck it’s even the bottom ad on the search page. Take a screen shot for your records. I did because you never know but I fully expect to get the bonus. It looks like Capital One very specifically changed the language in this bonus to get the new clients but Capital One just doesn’t do that so maybe the reps are just confused? (I have not called the bank and have no intention of contacting them unless the 8 weeks passes and my bonus doesn’t post. And now I have a peace of mind screen shot.)
I got $200 bonus for my checking account this January (not targeted). Am I qualified for $200 bonus of money market account? I’m not targeted for this offer, but I did see the promo ad on my computer screen.
Yes, you should be eligible.
I got both of them.
I just called and the CSR had no problem adding the code to my account. I forgot to add it during the setup process.
Did you have to call right away? I signed up two days ago and just realized now that I forgot to add it.
I’ve read this post and the comments and am still not 100% clear on the deposit requirements: does this require (1) an initial funding/deposit (not necessarily Direct Deposit) of $10,000, or (2) There is no initial funding requirement but you do need one Direct Deposit of more than $10,000 to trigger the bonus? I’m thinking it’s option #2…
Thanks in advance!
From what I understand, terms are that there is no initial funding requirement, just make deposit(s) (not necessarily even a “true” direct one like employer DD) totaling at least $10k before 3/31. You don’t even have to keep the $10k in there while waiting for bonus to post.
Personally, I opened with a $1 initial deposit and then deposited $10k (pushed from Ally) about a week later. No bonus yet (only been a few days since my $10k push) so I can’t be sure, but this should meet their terms as I read them.
No direct deposit or initial deposit is required, you just have to transfer in at least $10,000 (different to a direct deposit). Hope that make sense.
I had an ING account over 10 yeas ago so because of that they said I do not qualify for the bonus…oh what games they play.
I had an ing direct account over 10 yeas ago so because of that they said I do not qualify for the bonus
I had an ING account over 10 yeas ago so because of that they said I do not qualify for the bonus…oh what games they play.
Is there still a ChexSystems inquiry if I am an existing CO360 Checking customer?
Thanks so much!
Oops, nevermind. Apparently had ING savings back in the day.
To anyone who have got this bonus…does pulling money in work or did you have to push money into the account from external account? Thanks in advance.
I don’t think it matter, since in the term it is “deposit”, based on what i understand, as long as this is “new” money to C1..
But I still haven’t seen the bonus on my account yet.
2/27/17: open account with $10,100
3/07/17: ACH $10k back to my checking account
3/08/17: Cha-Ching! CashPromotion $200 paid
Mar 08 Cha-Ching! CashPromotion 200.00 10,201.00
Mar 03 Interest Rate Change to 0.995% (1.00% APY)
Mar 03 Ally Bank Deposit P2P 10,001.00 10,001.00
Feb 28 Account Open
3/5 open account
3/8 deposit p2p 10k, but shows “This deposit will be fully available by Mar 22, 2017” not sure whether this matters
3/9 Interest Rate Change to 0.995% (1.00% APY)maybe i just need to wait a few more days
Thanks YZ, the DPs you posted I saw, but was not very clear. The 1st one is a pull it appears but was done at the time of opening. The other 2 are push from external which I don’t like so much to do since it takes longer to see the funds and some external banks charge fees for transfer-outs that need to complete quickly. I would prefer to do a pull since most time CapitalOne posts it within 2 business days.
I agree the terms are not saying you have to do one way or other, but given that this is a one time, I want to be absolutely certain.
The 1st and 2nd DP are comments above
The last one is my own, I did a Pull initiated from C1, I can see the balance now is 10k, but it shows “This deposit will be fully available by Mar 22, 2017”
Interesting then; please do post if/when you get the bonus.
I know from checking experience with C1 that the date of funds availability could vary and sometimes even +1 week depending on size of deposit and if a new bank account as well as the number of deposits (1st one is quick, 2nd and 3rd one usually longer) though the interest accrues right from the day you see the funds pending and not on the actual availability date. However as in your case, the bonus may be delayed and depend on the date of availability.
I got the bonus on 3/15
so proved C1 pull works
When I opened my money market account, I just put in the ACH info for my funding bank and pulled the entire $10k. The funds were on hold for a week, then I pushed it back to my checking and the bonus posted a couple days after, so I don’t think you need to do anything special, just get the money into the account.
is this only for us citizens?
Answered above:
Also, it’s U.S. citizens and permanent residents only. (also in the disclosures)
I am not a citizen or permanent resident.. without realizing/reading the disclosure, i had opened it and got 200$ deposited…
DP:
[03/07] Opened a new Capital One 360 Money Market account online. Used promo code 200STRONG
[03/09] Deposited $10,000
[03/15] Received $200 bonus (much faster than the expected 6-8 weeks)
DP:
[03/05] Opened a new account online and made an initial deposit of $20. Used promo code 200STRONG
[03/08] Deposited another $10,000
[03/15] Received $200 bonus
Any DPs re bonus posting after 10k deposit, but before funds availability? Also, what if the funds are not available until after March 31? (Today’s deposit is available March 29, so we’re getting close…)
Thanks.
Yes, beside what I posted above, my funds were deposited on March 8, received bonus on March 15, but the deposit is still on hold until Mar 23. They keep it on hold for a long time, but they adjusted the interest rate to 1% on March 10, so it is not a waste 🙂
Perfect. Thanks!
DP: Wasn’t targeted but never had any relationship with CapOne, ING Direct or Orange.
3/4: Account opened
3/6: Funds Submitted from Chase ACH
3/7: Bonus deposited
Funds will be available after 3/20.
When I call in regarding my checking bonus promo not being apply. The supervisor saw I also open the money market and told me I wasn’t targeted for this bonus. Still got the 200 bonus in 9 days from opening account to when bonus post.
Account opened 3/6. Bonus posted 3/15. Cha-Ching indeed!
Has anyone who is a previous customer tried to get this bonus?
How do they track the bonus history? SSN?
Wondering the same thing. Think I received this bonus a few years ago but not 100% positive. Wondering if it is worth trying anyways
Is it confirmed if you could use smaller amounts? Like can I just ach push/pull 3-4k a few times?
Received the “Cha-Ching” $200 bonus (as it is shown in account activity) in less than two weeks. Really appreciate this and the Wells Fargo promo posting the bonus so quickly. Eliminates any nervousness that it won’t be received, which is certainly the case with other banks that can make you wait several weeks. Thanks again.
Having a capital one credit card shouldn’t disqualify someone from the promo right? It prompted me during the last step saying you already have a capital one account. I just have a cap one credit card, never had their/ING deposit products. I should get the bonus right?
Shouldn’t disqualify you, but it may let you access both your credit card and checking accounts on the same login.
I had an ING Direct Orange Savings Account 10-15 years ago. Bummer that they DQ us from the bonus….
I’m 90% sure I had one as well, similarly 10-15 years ago. I opted to call in and they confirmed that I was in fact eligible for this bonus. Maybe it’s because this is a money market and not a savings? Worth calling in my opinion.
There is a 400 bonus for opening 360 checking. Anyone seen this?
https://www.capitalone.com/bonus400/
It has a targeted term though
IF YOU DID NOT RECEIVE AN EMAIL OR MAIL PIECE DIRECTLY FROM CAPITAL ONE 360 WITH THE ABOVE CODE, YOU ARE INELIGIBLE FOR THIS BONUS OFFER
One of the reasons I jumped into this money market offer is because I’m hopeful that I’ll now receive targeted checking account offers (never had a Cap1 checking).
Forgot to enter the invite code at account setup because I was going to wait on the money transfer. Will I miss the bonus now?
DP: Got the message to call in for security reasons. Called and apparently had an ING savings back in 2011 which still has a profile and is blocking me, so not eligible! 🙁
I SM’d Capital One to confirm I had met the bonus requirements since the bonus hadn’t been posting quickly and had this conversation:
Them: “So for the bonus offer for 200 dollars; had you received a direct offer to setup the account for the bonus?”
Me: “I had used an invitation code 200STRONG from a link I had found online”
Them: “Awesome! So for the bonus, typically the bonus code will be stamped into your profile if you open the account using the 200strong web address provided. At this time, I do see that you have completed the requirements for the bonus offer, but the code had not been stamped into the profile.”
Them: “I will make sure to notate on your profile that you had met the eligibility requirements to receive the bonus. The only thing you will need to do moving forward to receive the 200 dollars, would be to call into capital one in about 6-8 weeks and we can manually post the bonus for you. Typically the bonus would automatically post, but in this case we will go ahead and manually post that for you.”
So I apparently forgot to actually enter the code, but I took a screen shot of the chat and will be calling them 6 weeks after I met the requirement.
I did not plan on leaving the money in the account longer than I had to, so I am a little worried about practically emptying the account before talking to them again. I know the bonus doesn’t have a timeline, but any advice?
I wouldn’t withdraw until you get the bonus. Where do you go to send a message? I don’t see the option in the message center.
There was a chat now button on the right of the account screen with a chat bubble icon. It wasn’t actually an SM.
And I’ll try to keep the money in there, but between this and the Citi bonus, I don’t know how long I can keep all my money tied up =/
If you go to ‘Alerts & Messages’ tab in your account summary there is an option to chat in the top right
Thanks Doctor of credit. Direct deposit in one lump sum of $10,101.68 to Capital one 360 saving, initiated from an external bank. That amount was officially posted in Capital One account on Thursday 03/16/17 as available balance. $200 Cash bonus posted in to my account on Tuesday 03/21/17.
I was not targeted by Capital One. I have no credit card, saving, or checking account history with Capital One. My family also has no account history with Capital One ever. I applied via Doctor of Credit direct link.
Jon from Los Angeles
Glad to hear 🙂
Just received my $200 bonus just 1 week after meeting the $10,000 necessary deposit requirement (transferred from my TIAA high yield savings account). I was not targeted. Thanks DoC!
Will probably keep the account open since no fees and can’t go wrong with a 1% interest rate for emergency funds (as well as not being able to get any more signup bonuses from Capital One anymore or at least that’s what I heard)
u meant no future bonus associated with any other savings acct? but for chkg acct if offered, one should be eligible
Yes, I meant savings.
Opened: 3/16
Funds posted: 3/20
Bonus posted: 3/21
Fastest I’ve ever received a bonus. Worth noting I had an ING account years ago but after calling in and giving my SSN they were able to confirm I was not in their system and was eligible for the bonus.
Looks like I’ll wait 10 business days and then w/d the money and leave it open in hopes of fishing for an increased checking account bonus.
Does anyone know how to find the exact date which you can make the withdraw? I’ve seen it mentioned 10 business days so I’ll just go off that but would be nice to see the exact date so that I can schedule the w/d without any issues.
I used the money to pay some bills (didn’t leave the money in there). Has been close to a week since I did the transfer, losing hopes that I’ll get the bonus 🙁
Probably shouldn’t have used the money to pay bills (i.e ACH pulls).
Is it too late for this bonus? If I open the account today and how to quickly deposit $10k to this money market account?
Not 100% sure sorry
If you open account tomorrow before 5 PM and pull 10K into C1 it may work since the requirement seems to be that you have to open and fund by 3/31. The pull may be on hold but you should still see rate change starting 3/31 and qualify for bonus.
Data point:
$10,000 does not have to be posted all at once or remain in account for bonus to work.
I did:
$2000 PNC (account #1) -> CapitalOne -> PNC (account #2)
$2000 PNC (account #1) -> CapitalOne -> PNC (account #2)
$6001 PNC (account #1) -> CapitalOne
At any given time I never had more than $6001 in the account. Bonus posted 2 days after I reached $10,000 of aggregate deposits.
Thanks, Matt. Very useful to know.
I put 2500 and 1500 and 1501 into the account and then withdraw 5000 and put the 5000 back.
Aggregate amount should be quailfied on April 28 but no bonus shows by May 1.
Should I wait another week？
Many thanks.
Worked for me too using Ally. Deposit $5400 , withdraw all of it, deposit $5,400 again. Bonus in 2 days.
Datapoint:
Part of 10K was pulled into C1 from external account in two chunks and another part of it was through checks deposited directly into the C1 MM account.
Deposits completed 3/21. Got bonus today though date of posting shows yesterday…maybe late night I did not check. So appears it can post anytime Tuesday/Wednesday after the completion of deposits.
This family member had checking accounts as well as CDs but no savings or money market account with C1 prior to this.
Another family member did have C1 checking and savings and opened the MM account anyway with some hope, but no bonus posted (as expected) even 2 weeks after 10K deposit (as expected).
very detailed DP, thank you
Would it be too late to get the bonus if I signed up today and made the 10K deposit? I’m making the deposit before the deadline, it just won’t post before it though.
I just called and they said it was extended through April 10. So…. I’m assuming it will work, but obviously no guarantees on anything.
nope…. just confirmed through chat that the deadline is extended to 4/10
if you click on the offer link, the deadline is actually extended to June 30, 2017
Yup, will be fixing this shortly.
I’m getting ‘Invalid Code’ error message
FWIW – I just tried to open the 200GROW promotion and got “the promo code you entered is not valid”. Talked to customer service and they said the 200GROW is targeted only and that they had had a public bonus just end yesterday. Said I was not on the targeted listed but that they run public offers frequently and to wait for the next one.
Also just tried to open an account with the 200GROW promo code, got the same invalid message.
it’s 4/1….. nice one Capital 1
Complain to the CFPB about this scam bank
can someone confirm the old promotion is extended to 4/10?
Agree with all data points that the bonus posts quickly. I’m in no rush to close this account. I’ll wait awhile to see if any targeted Cap One offers for other products roll in. Have never had their checking, and I’m definitely ready, willing and able for a good signup bonus!
I got the same response. Promo 200GROW not available.
I tried to open an account and 200GROW was not accepted. When I called a CSR told me that the new promotion will run from April 10th through June 30th. This different from what others were told and I suspect that people in CapOne don’t know the new conditions.
I just tried and got this error: The promo code you have entered is not valid.
The promo code you have entered is not valid.
hoho
I had an Ing account in 2002 and closed it in 2003
Will this wretched bank still consider me ineligible?
Any thoughts?
Read the comments.
The promo code you have entered is not valid.
Same answer. Called and they say that it must be targeted, and she thought it had expired
Updated post to say that 200GROW isn’t working, if anybody gets it to work please let me know.
3/19 Clicked through Banner Ad. Opened with $10K deposit.
(Status online shows deposit will not be processed until external account confirmed)
3/22 Confirmed Micro-deposits
3/22 Deposit posted immediately, but marked as not available until 3/28
3/28 $200 bonus posted.
I have had a Capital One Credit Card for a number of years.
I was not targeted
Spouse was targeted and received 2-3 mailers. Spouse had already signed up and received bonus previously.
Applied for an acct 12/20/16 and just saw the bonus offer. Called Capital One and they said they would make an exception and add the $200 which they did while I was on hold and see it in my account. Side note: the account was opened with much more than $10K
the promo code is working again,
just confirmed with a rep via chat and signed up
Thanks, reposted.
How long do funds get held in the account after depositing?
Just a reminder to everyone, many times the funds they put on hold are available a couple of days before the hold ending date stated.
when I opened the account I typed 200GROW in in the promo box it had a green check mark in that box indicating that it was good but there wasn’t a message indicating the code was accepted.
Don’t think a message is required
The same just happened to me. It said “Welcome aboard.” after account was created, but it did not say ” “Welcome Aboard. Your 360 Money Market Account is open and you’ll receive your $200 bonus within 6-8 weeks.”
Do you have any updates to share?
I opened with $1. I am going to have to cycle $2500 four times to trigger bonus.
i opened with a small amount.
2 weeks later i deposited $10,000.00
within a week later i received $200.00
Do I need to unlock my credit history with all 3 (experian, transunion, and equifax) before I apply?
I just called Capital One and they would not match the $200 bonus. I originally opened a 360 Money Market account on 12/16/16 and received a $100 bonus on 1/20/17. The rep said they couldn’t give me another $100 to match the $200 offer because once an account has been coded as receiving a bonus, more money cannot be added to it from their end (so they say). Who knows, YMMV
Would Cap1 allow to open Money Market account using ITIN?
When I called the CSR said, This bonus is not applicable to who have/had Cap1 Checking/Savings accounts even in closed status. FYI…they won’t accept ITIN for any 360 account.
In my case, I closed my account in 2013, they still had my profile. So I am not eligible for any bonus offers. bye bye cap1 🙂
I had an ING account years ago and like many cancelled it prior to the assimilation process by Capital One. After all these years I would have expected CapOne would try to motivate some new savers with a bonus. Barclay’s still has the majority of my liquid cash.
I opened my account on 3/27 and put in 10k as my initial deposit. The 10k was available on my account on 3/29. I received ~$1 on 3/31 from monthly interest. This afternoon (4/6), I got the $200 bonus. I’m pretty sure I wasn’t targeted since I have never used any cap1 products.
Thanks for the post!
Dropped in 10k 04Apr2017. $200 bonus posted 06Apr2017…. wow that was fast. Thanks!
Account opened and 10K deposited on 03/20, still no $200. Is it early to call Cap1?
finally after 2 months i gave them a call and they manually credited $200 bonus.
Guess I should fund $.01 as my initial deposit (10 day hold) and $10,000 another day?
Applied online at end of March, pushed 10k ACH transfer from my Ally account, bonus posted 9 days later. Easy breezy. Easiest bonus since that Wells Fargo checking for 250 that posted within a few days.
Applied online and opened 4/4 with $10K funding and posted 4/11. 4/11 $200 bonus posted.
Easy!.
After getting this bonus a few weeks ago, I did a transfer to an external bank, choosing the entire amount. This showed an additional option aside from confirm/cancel for “close account”. The page reads that if you choose this option, you’ll get a check in 7-10 business days, rather than the transfer actually happening.
Since the transfer will only take a couple days, I instead transferred *most* of the money to my external bank first today, and will try this closing option with the remaining few dollars next week. My expectation is that it will close the account, add any interest that has compounded since the last statement, and send me a check for that new amount. If so, even closing this account doesn’t require talking to anyone \o/
I’ll update once I try out this option next week.
Any update on closing the account using this method?
Can you remote deposit or send in checks? I can only ACH $1k per day and $5k per month with CCU.
Are you sure? I also have CCU and used it to send 2 $5k ACH’s on 2 separate days…worked fine for me
I have had the same limits as Ferris, I wonder how yours are so much higher with CCU? Would sure be nice to have that ability. Are you sure those were pushes that originated at CCU?
Yep, definitely pushed from CCU to CapOne
to be clear, i’m referrting to myconsumers.org, (since there are multiple CCU’s)
I’ve always had this issue in the 2+ years I’ve been with CCU:
We are unable to schedule this transfer for the following reason(s):
On 04/19/2017 the 1-day total amount transferred would be $5,000.00, exceeding the limit of $1,000.00. On 04/19/2017 the 30-day total amount transferred would be $5,001.00, exceeding the limit of $5,000.00.
Same with me. If we want to continue this discussion, it should probably be on this page:
https://www.doctorofcredit.com/consumers-credit-union-5-07-apy-on-up-to-20000-rewards-checking/
Maybe I will start a new discussion about it over there if nobody else does as I am curious if anybody else can transfer more than $1000D/$5000M.
Wife and I both have no relationships with them except credit cards in the past, no banking. Both got these messages after the page where you enter your info. Bummer as I might call but I know my wife won’t call. She hates doing that.
“********, it looks like there is an issue with the data you provided.
We take your security very seriously and need to make sure your information is accurate in our system.
Give us a call.
1-866-877-2995”
I got the very same message. Does anyone know what this is about?
if the provided info didn’t match that to the chex report or personal security data, the folks in verification dept. want to verify some security questions; in my case, address didn’t match as recently moved
Bonus posted for me a few days after meeting reqs. Thanks DoC.
I also got the checking bonus a week or so ago.
Awesome! Did you get the $400 targeted checking bonus?
I just tried this and the 200GROW is saying not valid.
This was extremely easy to setup. I already had a checking account with them, so adding the money market took about 30 seconds (literally). Setup the $10k transfer from to ACH pull from my primary account (with another bank) at the same time. Just gotta wait for the bonus to post over the next few weeks. Easiest bank account offer I’ve done so far.
I got my bonus in 5 business days
Did the 200GROW code still work for you?
Is there a minimum amount of time the account must stay open for this one?
Opened the account on 5/4/17 did 3 transfers from TD for 1500, 3500, and 5000, transferring each back once it posted. The $5000 is still holding, but posted the bonus this morning 5/17/17.
Once the 5000 posts, I will transfer back to TD.
Only concern is if this account can now be closed once there a zero balance?
Planning on opening my husband one today! Quick and easy bonus only downside is that the transfers take a while to come off of holding.
Until your bonus posts?
Will cash deposit(s) qualify for the $10 min?
I opened the account and am trying to do the transfers, but my account only lets me move $5k per day $6k per month. So, if a cash deposit won’t work, then I’m going to have to verify multiple banks with C1, and then spend days moving it all around.
anyone here get the bonus after previously having a cap one savings account?
nope…. I was hoping they “forgot” I had an ING savings account at some point. I heard others say their 10K was held for 10 days, to qualify for the bonus… mine was only held for 5, which I believe is their standard hold policy. That was my first clue my plan didn’t work. I am still going to call and ask, but pretty sure I am screwed. I figured it was worth a try, esp since I was rounding up funds for another round at Citi 15K.
I wonder if having capital one’s credit card is considered not qualified. Thanks!
No. I had Capital One Credit Card and still applied for the Money Market account and already got the $200 bonus
We’ve never had any Capital One accounts. Never was targeted in any way, I’m sure of it. My wife and I both did the below with the same dollar amounts and exact same timeline, so it was effectively a $400 bonus. Note that the fine print says that the qualifying 10,000 deposit must come from a checking and not a savings account, but Savings worked just fine for us.
5/1: Account opened with 10,005 ACH from Ally Savings. Code 200GROW
5/5: Funds available in CapOne 360 money market account
5/9: Cha-Ching! CashPromotion 200.00
Actually still have to wait a day to withdraw my initial deposit! What a fast promotion.
Applied 5/2/17 with 200GROW. Funded initial $10k by ACH from local hub account. $200 bonus posted on 5/9/17. When I signed up for the MM account, I already had a 360 Checking account and a business credit card with Cap One. Got the bonus anyway.
Initial funding with 10k.
waited 2 months+ no bonus.
I HAVE HAD a savings that i closed 2 years ago with C360.
I called, and they gave me the $200 bonus. Not sure if they knew about the savings but it could be i got lucky. YMMV.
DP: applied 5/4 w/ 200GROW
5/9: $5000 transfer posted from Ally
5/10: withdrew back to Ally
5/15: $5000 transfer posted from Ally
5/16: $200 bonus posted
DP: applied 4/29
05/08: full 10k posted
05/16: Cha-ching!
DP:
05/05: Preauthorized Synchrony bank $10K deposit to Capital One 360
05/09: Received bonus
05/15: Closed account
Thanks Doc! This website is amazing!
Another $200 (Savings) and $200 (Checking) Capital One 360 promotion (by 6/30/2017)
https://www.capitalone.com/together360/
It says targeted – anyone have success getting bonus who wasn’t targeted?
It is targeted.
Has anyone who wasn’t targeted had success getting the bonus through that link? I called Capital One and they said this promo doesn’t use a promo code but rather you need to open the accounts through the link: https://www.capitalone.com/together360/ . It does say targeted so I’m wondering if anyone has had success getting the bonuses who wasn’t specifically targeted?
Pretty sure that one has targeted language as well: These cash bonuses are only available to you if you received our related package offer in the mail and if you do not have an existing 360 Money Market, 360 Checking or 360 Savings account
I had opened before with BB&T (another bank), no bonus paid it says targeted. So trying may be waste if says targeted.
Account opened: May 19, 2017
May 23: $10,001 transfer from Webster Bank (after i got the $350 checking bonus) settled
May 31: $200 bonus received!
1% is good but gonna transfer all the money back to Santander where they’re giving 1.2%!
I called Capitalone, they said targeted for together360 (bonus $200+$200). My experience capital one is targeted 99% times.
Bonus posted within 4 days of reaching the $10000 of accumulated deposits.
360 MMA
May 24 – $10,100 deposit from Ally
May 31 – $200 bonus posted
360 Checking
May 09 – Opened account with $400 promo – not targeted
May 11, 12, 16 – Deposits from Schwab
Today – still no bonus
This is how deposits appear from schwab transfers
Schwab Brokerage
Posted Date: Friday, May 12, 2017
Transaction Type:Deposit
Info:Moneylink
May 06 – Account opened
May 17 – $10,000 deposit posted ($2000 Initial funding with BOA Checking, 3 checks totaling $1214, one $6800 External transfer from Chase)
May 31 – Cha-Ching! CashPromotion
Additionally
May 24 – $2500 ACH Pull from External Account
May 26 – $2500 ACH Pull from External Account
Jun 8 – $5000 ACH posted
Jun 9 – $5001 ACH posted
Jun 15 – $200 bonus posted, it is Thursday
Hi, I applied using the link and also the promo code today. However, when I called them later, they said that this public offer has already ended in April. The current offer is a targeted offer (with the same promo code and offer page) and I am not eligible for this offer. Any one encountered the same issue????????
BTW, I called them because of the security issue. But they also actively advised me that I am not eligible. I deposited anyone. Will report back the DP.
6/19 10020 posted
6/22 200 promo posted
Thanks doc!
Fresh Data Point
Opened on May 8th with – $1500
Deposited on June 2nd – $3550
Transferred back to my Chase on June 5th – $5000
Deposited from my chase on June 12 another $5100
Bonus posted June 15th
Good luck.
Thanks!
Thanks & a question. You didn’t have to wait the 10 days to withdraw?
June 9 — applied
June 13 — 10k posted
June 15 — $200 bonus posted
I have received $200 bonus
How long shall we keep the a/c open in order to avoid early closing penalty ?
Opened the account online today with the direct link in this blog post. The promo code auto populated to BUN654.
For this promo code, I found from this link that the expiration date is July 31st instead of June 30th. So left it as -is and opened the account.
https://www.capitalone.com/360bundle400/
Opened my account on 5/31 and funded it with $5K, withdrew, and then $5k again which posted on 6/19 and received my bonus today 6/22. Thanks again DoC!
Easiest $400 ever! One account for me and one for my wife. Thanks!
I applied last night and it’s saying my 10k initial deposit will send on 6/29? Am I missing something here? Am I going to get screwed out of the $200 bonus?
Same here.
My husband applied yesterday.
This morning,it said ” This deposit will be fully available by Jun 29, 2017″, and ” DEPOSIT(S) ON HOLD ” .
For myself:
June 1——- Open account , $5000 ACH from Chase
June 16 —– $5000 ACH from Chase
June 23 —– $200 bonus posted
Just got the bonus.. transferred the money in and out and worked
If I apply today and ACH 10k today. Will there be enough time. based on DP it seems like i won’t make it
Don’t think so, hopefully it will be extended.
Why not just do this to have more time?
https://www.doctorofcredit.com/capital-one-200-checking-200-money-market-bonus/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+DoctorOfCredit+%28Doctor+Of+Credit%29
DP: Used 200grow promo for account that must be opened by 6/30.
Applied for money market account on 6/27, $10,000 funds transfer on 6/28, received hold on deposit until 7/5, $200 bonus posted on 7/7. It looks like the funds just have to be deposited before deadline of 6/30 with CapitalOne, not post of clear by promo end date.
Thanks
“If you currently have or have had a Savings product with Capital One Bank, Capital One 360 or ING DIRECT before or are a Capital One Associate, you won’t be eligible for the bonus.” – ENFORCED? NON-Churnable?
Thanks
Do I need to keep the account open for 6 months before closing? I’d like to hop on the chase saving promo with the same pot of money. Already received the $200 bonus (immediately after $10k ach deposit posted). Or is it better if I keep a few hundred in the account in good standing for awhile before closing it for good?
Anyone else waiting for the bonus to post? I called and they said my account had been marked as well as fulfilling the requirements, but that it takes 6-8 weeks. Data points on this comment thread indicate it usually posts much sooner. I had 10,000 post June 23, but withdrew it July 3.
Just posted this afternoon!
Still waiting here as well. 10k was deposited 6/23 and fully available on 6/29. No bonus yet.
Wife received bonus this afternoon, I didn’t, I guess since I had a savings account with them years ago.
Could you share when you made the deposits? Thanks!
June 9th and June 22nd, 5k and 5k, never removed any funds.
Also got the bonus yesterday. FYI, multiple deposits worked fine. I never kept 10K in the account at one time.
First time I’ve tried a savings account bonus, read about it a couple of weeks ago on the site and wanted to try it out b/c it seemed fairly straight forward. Transferred $ on the 26th, made fully available the 30th, and received bonus on the 7th. Super easy! Thanks for the heads up, was targeted for the $300 BOA so I’m going to try that one next…