Posted by sirtheta on January 11, 2017
Bank Account Bonuses CapitalOne 360 $200 Checking Bonus

Published on January 11th, 2017 | by sirtheta


[Targeted] Capital One 360 $200 Checking Bonus

This offer is targeted, but there’s at least one conflicting DP which indicates that it may not be targeted (conflicting information from customer service representatives is nothing new; the majority of DPs indicate it is targeted). You should be able to call 1-888-464-0727 (press 2) to check if you are targeted. A customer service representative may also be able to pull up different offers for you.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Nationwide, but targeted
  • Direct deposit required: No
  • Additional requirements: Make either 4 ATM deposits or withdrawals or debit card transactions OR make 2 mobile check deposits within the first 60 days.
  • 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 31, 2017

The Offer

Direct link to offer

  • Open a new Capital One 360 checking account with the promo code DCC200 and receive a $200 bonus when you:
    • Make either 4 ATM deposits, 4 ATM withdrawals, or 4 debit card transactions in the first 60 days, OR
    • Make 2 mobile check deposits in the first 60 days

CapitalOne 360 $200 Checking Bonus

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).
  • You must enter the promo code DCC200 when opening the account to be eligible to receive the bonus.
  • To earn the $100 bonus you must accept the terms and conditions on a new 360 Checking Account by January 31, 2017, 11:59 p.m. ET AND either make 4 ATM deposits or withdrawals or debit card transactions OR make 2 mobile check deposits
  • You will receive the $200 credit to your checking account about 90 days after accepting the terms.
  • This offer cannot be combined with any other Capital One Bank new account opening offer.
  • All bank account bonuses are treated as income/interest, and as such you have to pay taxes on them.

Avoiding Fees

There are no monthly fees on this account and no early account termination fee.

Our Verdict

Recently there have been targeted offers of $400+, but the last big public offers were in 2014 (apart from this brief public $100 offer). If you’re targeted, this is a very good bonus due to its easy requirements. Do note that these bonuses are once per lifetime! You can’t take advantage of this one if you’re gunning for a $400 offer.

Useful posts regarding bank bonuses:

Hat tip to u/_here_ on r/churning.

60 Responses to [Targeted] Capital One 360 $200 Checking Bonus

  1. Credit says:

    I got the same offer but the promo code is different.

  2. dan says:

    just called but not targeted! never had a chkg acct before

  3. Sam says:

    I got that offer when I logged into my CapOne cc account. I thought it was just another offer so left it at that.

  4. Iz says:

    Why do I need to call? I see the offer on the “direct link”. Thanks.

    • sirtheta says:

      Because the direct link is visible to the general public, despite being targeted. If you aren’t targeted by their database, you will not receive the bonus (and can then never receive a bonus on a CapitalOne checking account).

  5. Iz says:

    If I call and am told that I am targeted, can I then apply online, or I need to do it on that phone call?

  6. Ben says:

    Is this the same like the High yield checking?

  7. Sam says:

    DOC – When I applied, I called that number and spoke a lady. She told the offer has 2 $250 DD. If I complete that I will get $200 into my account. Ever hear of this option?

    • I haven’t, but it’s possible. Did you ask if there was an online link?

    • Johnny says:

      Hey Sam, I can add here that although I didn’t call, I just logged onto my capitalone credit cards and saw a link to the $200 checking offer. WHen i opened, I got this message as requiremehnts for meeting the $200 bonus


      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 $200 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 each within 60 days of your acceptance of account terms and conditions. You will receive the $200 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 to employer or other payor options.

      So it appears perhaps thre are different offers depending on which offer you sign up for, albeit for the same quantity

    • Andrey says:

      I received the 2×250 DD offer shortly before the New Year.
      Hesitant to apply as I hear there is a $400 bonus offer with the same requirements.

  8. Abey says:

    Over the last 10+ years i had only one checking account and its with BOA which is kinda like the 360 (its called an electronic checking account, they dont offer it anynore) its free but if i use a teller i get charged $12.
    For whatever reason i stayed away from opening new bank accounts for bonuses. (Other then the Citi Gold briefly for the AA 50K)
    But this Capital one 360 caught my eye.
    I just did it and i can honestly say this will be the quickest and easiest $200 i have ever gotten.
    It took 3min to fill out my info and boom account is up and running and $200 should be on the way soon.
    Plus Capital one has more convienient locations here in Brooklyn then greedy BOA.
    I must say Doctor of credit is more then a doctor they actually make us money 😘

  9. Laura says:

    After reading here and on that reddit thread I’m not gonna chance it. Looks like in the past people have tried to do this and been denied the bonus at the end. If it wasn’t once in a lifetime I’d give it a shot but I’d rather wait for a sure thing from Cap 1 under these rules…

  10. Abey says:

    I guess i didnt read this properly and i thought if this is your first time 360 checking account and i type in the code DCC200 and meet the minimum requirements Im gonna get $200.
    So i was wrong.
    I called up and asked and they said DCC200 is an amazon $50 gift card and has to be targeted as well in an email.
    So i guess i just opened a 360 checking account for nothing 😉
    Not the worst thing though ☺️

  11. Abey says:

    Here is a link to the $400 offer

    But remember it has to be targeted
    Dont fool yourself like i did 😜

  12. Sterling says:

    DP: I opened the 360 checking account on 1/12 using the promo code, and received the $200 bonus today (1/18). I completed requirements by writing two checks to myself and depositing via mobile deposit.

  13. Curmudgeon says:

    I took a chance and opened this account on 1/11/17 with the DCC200 promo code. As soon as account opened, downloaded mobile app, deposited two checks made out to myself ($10 and $5). These show deposited as of 1/12.

    1/18/17: Cha-Ching! New Account Bonus $200

    I have no reason to believe I was targeted, but I do have Cap One credit cards.

  14. Juan says:

    DP: Opened account on Jan 9th with the DCC200 promo code. Was told by CSR I wasn’t targeted for any CO offer. Don’t have any Capital One (CO) products.

    Made 4 transactions (few $1Amazon GC and sent $1 cash app to friends) and saw $200 with message “Cha-Ching! Your bonus is now posted” posted on Jan 18th.

    Again, I was not targeted. YMMV

  15. Gabriel says:

    I would like to risk it but I dont see place holder to enter promo code.. can you pls tell me which page we need to enter the code ?

    • Adam D says:

      Should be a input box called “reference code” when signing up, call and before finishing, its right before funding page.

  16. Matthew says:

    I also received an offer in the mail for $200, current savings account holder and have one credit card.

    However, the website and offer code are different: KK4

    Requires DD x2 $250 – but glad I finally got targeted!

    • Ram says:

      hi there, I see two bonus offers out there for capital one 360 one with 200 bonus other with 400 bonus, i dont see any difference in eligibility criteria for these two offers, can i opt for 400 bonus while opening an account. Just want to make sure i didnt miss to check any other hidden requirements. Thanks in advance

  17. NN says:

    applied on 1/23, deposited the checks right away. check posted on 1/24
    bonus pending 2/1
    never received any target email or anything shown when I logged in (I do have credit card with them)

  18. J.M. says:

    Been a CC holder with CapOne for 15 years. Called the # and was told I had no targeted offers for Checking account bonuses.

  19. Thojas says:

    Opened on 1/17 offer code KK4
    1/25 Transfer from Wells Fargo $250
    1/30 transfer from Wells Fargo $250
    2/1 Cha-Ching! New Account Bonus $200

  20. dd says:

    Data point for what counts as direct deposit:

    Targeted for $400

    12/01 Opened account
    12/16 ACH push from (a bank) for $500, which showed as direct deposit
    02/07 No bonus up to today. Called Capital One, talked with a manager. She asked if Simple is a mobile app, and I said no, it’s what my employer uses (true, but out of context). The manager said I met the requirements, but had to manually deposit the bonus

  21. PandakA says:

    I was not target for this offer, so I didn’t think I would get the bonus. Initially opened the account on Jan 12th and did not do anything with it, since I read some DP’s saying you had to be targeted. Anyway fas forward to February, I completed 2 mobile deposits, and 4 debit purchases, I just received the $200 bonus!! This is one of the easiest bonuses to fulfill YAY!!!

  22. Pat says:

    Wow, this was AMAZINGLY FAST. I applied online on Tues, Jan 24. Received ATM card on Jan 27. Purchased 4 small items that weekend and on Tues the next week, I had an extra $200 in my account. Now that is some serious free money. Don’t know what the targeting would be. I was NOT specifically targeted. I read about it on this site. I do, however, have 4 Capital One credit cards. My mind is still boggled by how a national bank can do this when you consider how many people it can reach. Hate I didn’t get the chance to tell more friends/family.

  23. Frito Pendejo says:

    I was not targeted, received bonus a few days after meeting reqs. Thanks DoC.

  24. Vin says:

    Any DP’s on what counts for DD at Cap One 360? Santander, USAA??

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