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

Published on January 11th, 2017 | by sirtheta

61

[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.



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Credit
Credit

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

dan
dan

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

Sam
Sam

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

Iz
Iz

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

Iz
Iz

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?

William Charles

Should be able to do online I think

Ben
Ben

Is this the same like the High yield checking?

William Charles

What do you mean?

Ian
Ian

Ben, No. The High Yield Checking Account is different from this, 360 Checking Account; and is different from Essential Checking Account.

Sam
Sam

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?

William Charles

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

Sam
Sam

No I didn’t. I gave her the code that I used from here and she came back with the info.

Johnny

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

OFFER IS STRICTLY NON-TRANSFERABLE AND ONLY AVAILABLE TO YOU.

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

Sam
Sam

Thank you Johnny — I had seen an offer on my Capital One before I closed so I didn’t see the details. But from the call it seems like this is what I got as well. I wonder if Alliant will trigger a DD on that bonus.

Doc — Any way to trigger CapitalOne 360 DD bonus? Alliant still alive and kicking?

William Charles
Andrey
Andrey

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.

Abey
Abey

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 😘

Laura
Laura

Were you targeted?

Abey
Abey

No

Abey
Abey

I just opened the account and typed in the code.

Laura
Laura

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…

Abey
Abey

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 ☺️

sam
sam

” Earn a $200 bonus. Use promo code DCC200.” cannot be $50 Amazon gift card!

William Charles

This is the amazon GC offer: http://amzn.to/2iFeSo1, promo code is AMZ50

Abey
Abey

Here is a link to the $400 offer

https://www.capitalone.com/bonus400/

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

Sterling
Sterling

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.

Curmudgeon
Curmudgeon

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.

William Charles

Did you check if you were targeted before signing up?

Curmudgeon
Curmudgeon

I don’t know how to do that. I guess you need to speak to a customer service rep?

William Charles

It was usually showing for people when they logged into their account.

Juan
Juan

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

Gabriel
Gabriel

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
Adam D

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

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