[Expired] [YMMV] Capital One $400 Checking Bonus
Reposting this due to all the successful data points in the comments. Goodluck!
Please note this is a targeted offer with the following language: 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.
Offer at a glance
- Maximum bonus amount: $400
- Availability: Nationwide, but targeted
- Direct deposit required: Yes, two direct deposits of $250+ each
- Additional requirements: Use promo code PLUS400
- Hard/soft pull: Soft, as long as you opt out of overdraft protection
- ChexSystems: Mixed
- Credit card funding: None
- Monthly fees: None
- Early account termination fee: None
- Household limit: None mentioned
- Expiration date: June 30th, 2017
The Offer
- Open a new Capital One 360 checking account by June 30th, 2017 and receive two direct deposits of $250 or more within 60 days of accepting the terms. You must also use the reference code PLUS400.
- Promo code needs to be added on the funding page
The Fine Print
- 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.
- 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).
- Beginning April 3, 2017, to earn the $400 bonus you must accept the terms on a new 360 Checking® Account by June 30, 2017. 11:59 p.m., ET and receive 2 direct deposits of $250 or more within 60 days of accepting terms and conditions for your new account. You will receive the $400 credit to your checking account about 90 days after accepting 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.
- 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
Ok, so the fine print states that this is a targeted offer but this might not be being enforced (one datapoint here and more via e-mail as well). You can read data points on people getting the bonus when not targeted for a previous $400 offer here as well (and a recent $200 offer). This is really YMMV and remember you won’t be eligible to ever get the bonus again if you sign up for an account. I wish everybody the best if they decide to go for this offer, but I don’t feel comfortable making a recommendation one way or the other. Debate this among yourselves in the comments. As always you can view bonuses we do recommend 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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Most Popular Posts
I’ve been holding out on this offer and really doubt I’ll ever be targeted for anything by them since I live in the South. I’m debating whether or not to just go for this since I really want the account. Thoughts?
As I said, it’s really up to you. DP look encouraging but as always YMMV.
I just spoke to someone in sales who said it’s only targeted to people in the Boston, MA area.
Why would you call? This is how loopholes are closed.
They could say what they want, but a lot of us including myself got it out of state.
YMMV but it seems like its not enforced
How can I tell if I used to have an ING Electric Orange checking account? I know I had savings accts there, and still do have them with CapOne360, but my memory is fuzzy on the checking.
I’ve always wondered… I did a Capital One 360 about 5+ years ago, just curious if the fact that I got a bonus ever rolls off and I can do it over again….
For Capital One they enforce lifetime rules, and this also includes banks that they have acquired over the years. So if you used to have an old Electric Orange Checking account you cannot get the bonus for this account.
wow even acquired banks? Is this based on your own experience or DP’s?
Lots of DP posted that past ING customers are ineligible for the bonus on the recent 360 MM offer.
Back in 2012 I closed my ING account before the CapOne transition under some pointless self brewed protest. I’ve read the small print as ineligible for any CapOne bonuses even 5 years later.
TARB
If I were to take the plunge and apply even though I wasn’t targeted, would I still be eligible for a bonus in the future if this doesn’t work?
No. Capital One enforces lifetime rules.
+1
Amex has lifetime language but you can redo bonuses in 7-10 years. Is this the same with Cap1? Has anyone tried waiting that long?
Capital One has the longest memory of any bank I have ever seen. They even count banks that were bought out by CapOne. The terms also explain this as well.
No their once per lifetime bonus is enforced
Is Capital One sensitive to high Chex inquiries? No mention on the DoC list.
Don’t think so. At least in my case. I’ve been pretty aggressive in the last 6 months, at least 10 Chef inquiries, no problem signed up for both checking and MM from cap one
Not that I’ve seen
Any idea what it takes to be targeted? I currently have a Capital One Venture CC but no other accounts with them.
I may give this one a try. If it works I’ll leave a DP.
No idea what their targeting criteria are
I was told by one of the representative that probability of getting the bonus is higher if we use the above code(PLUS400) and live in boston area. She told me this code is only targeted for boston customers.
I’m giving it a try, too. Doing the legit payroll DD so I won’t know if it succeeds until the end of May.
How do we get targeted for this? If you are targeted, please leave your DP here whether you have any capital one products.
Did you get the bonus eventually?
FWIW, I signed up for the $200 back in January, which is also targeted, and I don’t believe I was targeted (no mail, no offer when logged in to my account, but I do have a credit card with capital one, though). The requirements were a bit different but the bonus was paid out so fast, in 2-3 days.
So, it’s definitely YMMV
I have a cap 360 money market account. Am i eligible for this checking offer?.
+1
I believe they have separate bonuses for their savings accounts and checking accounts and you qualify for one of each. I believe the money market is in the savings category.
That’s saving, as long as you have never had a checking with cap one, you may go for it. Just remember, it’s said on the fine print, targeted.
Thanks
+1
Another qn: If exisitng money market a/c holder, should is say i am new to 360 or login to existing account and apply?.
Doesn’t matter
makes me wish i would have read that capital one letter I got the other day….
You can call and ask if you are targeted for any offers, I would specifically ask about this one.
Call 1-800-289-1992 and you can ask the CSR to confirm your targeted in their system. I forgot what they ask for exactly but maybe SSN.
I did not get an targeted email or mail for their last $200 promo but called the number and the CSR confirmed I was eligible with the promo code.
Opened the Capital One 360 checking and received the bonus.
Tried calling the number and was instantly told I am not eligible 🙁
I tried this a couple of months ago and the guy clearly could tell I was just fishing, and wouldn’t tell me anything.
I didn’t see anywhere I could enter the promo code and ended up opening the account without it, would that prevent me from getting the bonus?
Ya man. Bummer.
Yes, you need to enter the promo code.
I chatted with a CSR and he told me unfortunately I am not targeted, but he could offer me a $100 with the same requirements instead.
I guess this is useful to those who are going to take the risk to apply and don’t end up getting $400.
Tried for my wife, but after entering in SSN and address it said info didn’t match and stopped. All I entered was SSN and address and I know both are correct.
Also no place to enter the promo code.
called the CS, he said it was targeted only for Boston area (like EXP400 offer). Checked my name and zip code in the system but not targeted. I do have 1 CC and 1 auto loan with them.
Hope one day they can extend the bonus to other states.
What is with Cap1’s obsession with Boston?
Don’t think that’s true as non Boston people have been getting the offer as well.
Just changed my mailing address to Boston. I’m hoping I can trick the system into targeting me, or thinking that I’m targeted. If not that, this will be risk mitigation if I decide to open the account not targeted.
Will post DPs.
I also called the CS and he told me it was targeted for Boston. He said they also have a targeted offer for Seattle, but I didn’t ask what it was.
Called 800-289-1992, asked csr if I had the offer.
She said I did not have the offer.
I bet the call center is in either Minnesota or North Dakota.
Called and turns out I used to have an ING account years back which I totally forgot about. O, well.
I was not targeted back in Jan for the $200 checking bonus, even though language said only for targeted, yet I still received the bonus. Worth a shot.
Succesful DP: https://twitter.com/PointsHackr/status/857622278917562370
Hey Doc, quick question. Does an ACH push from a business checking account post differently than if it came from a personal checking account?
Believe it depends on the business checking account, not 100% sure.
Where do you enter the promo code? Which step/page is it on?
Took the risk and went for it. WIll see how it goes. Also for those wondering where to enter the promo code, it asks in the funding page at the bottom.
Thanks for the promo code heads up 🙂
For my wife’s app she didn’t even get to that page.
Thanks, will add the promo code to the page.
I went to the website and signed up without being targeted. Called customer service and was able to confirm that I’ll receive the $400 after meeting the deposit requirement (2 $250 deposits)
Stupid DD question: Can you send 2 DD’s at the same time from the same source? For example 2 $250 from paycheck to Cap One on the exact same time and day? Does that count as two DD?
+1
Sorry, does “+1” mean “yes, that does work”?
No. It means I am also interested to find the answer. But, iam asking my employer today about this. Will post if I get an answer.
My DD just went through and showed up as two different deposits. That should work, now I just wait and see if the bonus appears since I am not sure if I was targeted.
I guess your 2 DD is Real Employer DD?. When did it post?. Usually bonus posts every tuesday evening.
Yes, sorry, they were both real employer DD. It only showed up in the account this morning, so will probably have to wait until next week to find out if the bonus works.
So it worked. Posted as two separate DD’s in my CapOne account on 5/10. Bonus posted around 1pm PST, Tuesday, 5/16.
Thanks for the bonus update. I have wait for my 2nd to hit next month.
Here is another promo (not sure if its already posted) – again it says some targeted language – but it comes up in regular bing search. No DD requiremetn. Just $1000 deposit. You get $200 for checking and 200 for money market. You can do both or only one.
https://www.capitalone.com/together360/
Any DPs or info on the money market one? I thought all the other offers wanted a $10k deposit
I already have a Money Market with that 10K deposit offer. You can try this new offer and be the DP :).
Looking it over I think it might actually be targeted, like linked to a name/SS#. There’s no promo code on the page and it doesn’t auto fill with one when you get to the funding page.
I saw enough data points for me personally and went ahead and applied, although not targeted. I have to say probably the quickest application ever– I was signed up first into my online Capitol One Savings then it was a breeze, probably 3 minutes tops.
Still remembering the nightmare of opening a HSBC Checking (and New Buffalo, which took more than a month and still is not completely opened!)
Good luck to all!
+1
Follow up: Called to casually confirm that the bonus code is attached to the account. It was. And I was reminded that need to do the two direct deposits in 60 days to receive the bonus. Looks good– 80% in my rough estimation 🙂
Awesome. Please keep us updated!
Awesome news this morning:
WED
May 31
Cha-Ching! New Account Bonus
400.00
What did you use for DDs?
Will a Serve transfer count as DD?
anyone know if paypal triggers the direct deposit?
did you ever find out
Has there ever been a better bonus for this account?
DP: I called and CSR said it is only targeted for Boston area and if I used that code I wouldn’t qualify.
Of course they will tell you that. But if you try and satisfy the requirements, then the bonus may come automatically…
Was able to submit application, and received account/routing number instantly. Input PLUS400 code on funding page. Already began the $250 DD from my employer. Will post DP if bonus is received.
I live in Boston and have no prior banking relationship with CapOne. So I called the CSR. The lady didn’t ask me for the reference code. She pulled up my ZIP code, couldn’t find any offers for me, did another search with my SSN, again no offers. Seems like being targeted is a must.
I wasn’t targeted, applied through the posted link, got denied due to poor Chex score (too many injuries). Froze my Chex report and reapplied within an hour and got the account approved. Soon after, I called the CSR and confirmed that the bonus code is attached to my account. So thanks Doc!
Wait…so freezing chex can sometimes let you approved at banks? I didn’t even know this was a thing
I found this on myfico. It is known to work with CapOne accounts, not sure about other banks though.
How many Chex inquiries did you have in the past 6 and 12 months? What was the error that you got the first time?
5 inquiries in last two years, all of them coming in the last two months. But then I am a 23 year old with less than 3 years of banking history in the US, so my chex score dropped significantly.
Really? Damn, I’m around the same age with about the same amount of banking history and opened over 12 accounts and probably 14-15 inquiries in the past 3 months and was able to open just now. M&T bank is a helluva drug lol
Maybe something else on your report got flagged?
Maybe there’s something negative that’s come up. I have ordered a Chex report, will probably end up disputing something on it. I intend to apply for at least 4 more banks over the next two months. Let’s see how far I can go with a frozen Chex. 😀
uhhh injuries or inquiries?
same thing when it comes to banks lol
Apparently someone did this offer on Reddit a few months ago and didn’t get it, same code and everything.:
https://www.reddit.com/r/churning/comments/5nlbxx/capital_one_360_checking_account_400_offer_is/
But also a few people claim they did. So dunno
Extremely YMMV. Proceed at your own risk.
My two ACH pushes posted today so hopefully we’ll find out if the bonus gods like or hate us soon. They both coded as payments.
I read up on some past capital one bonus posts on here, reddit, and slickdeals. Most got it within 6-7 biz days so if we don’t get it within maybe 2 weeks we’re probably SOL.
Usually, then post every tuesday / wednesday. Atleast that is the case with 360 Money Market promotions.
I did a real employer DD of 250 and another from Discover CB redemption for $250. Will see how it goes.
The code is different. The other code was EXP400, according to the Reddit comment. In case anybody was curious.
Called in to see if I was targeted and the CSR confirmed this offer is only for people in the Boston area. Has anyone NOT in that area received this bonus or were confirmed to be eligable?
I saw few DPs from Seattle/Chicago area that received the bonus.
Just applied for both the 400 checking and 200 savings, targeted for neither. I’ll let you all know how it goes. btw- their online application process is a BREEZE!
How long does the bonus take to post? I completed the requirements on 5/4 and it hasn’t posted yet.
Chill man 🙂 I think the savings one took like a week to post for me.
By savings you mean the money market one?
Yes
Usually every Tuesday /Wednesday.
I applied for the $400 checking bonus a few minutes ago. Non-targeted for offer, but I think it’s worth the gamble. I’m not calling the bank as I don’t want to draw attention to my account. I’m in MI. I’ll let y’all know what happens.
I think it’s fine you can call the CSR. I called them up the other day, the guy said that there’s a chance that I could get the bonus, but he can’t say for sure as I wasn’t targeted. Anyway, if I don’t get the bonus, I will just ask for the $100 bonus that some people are being matched up for.
I’m from MI as well. Wondering if I should apply. Can you update if you got the bonus?
I haven’t got the bonus, yet.
My suggestion is to open an online G.S. savings immediately and send the dd’s from that. That’s my final move. I’ll post with the results
DP: Worked for me. I’m from MI and got $400. Used Vanguard.
6/22 – Account opened
7/06 – Two $251 Vanguard brokerage transfer. (posted as Vanguard Sell)
7/07 – Cha-Ching! New Account Bonus $400
Took a chance and opened checking on 5/5, scheduled the 2 transfers from my main bank account to hopefully fulfill dd requirement. Will update if $400 bonus posts.
I am nowhere near the targeted area.
Signed up last week. Didn’t call to see if I was targeted (and I don’t live in Boston.) Sent DD from Alliant because the last two bank bonus I tried to trigger with Schwab DDs showed up as P2P. Will report back. It should be noted that the fine print states pretty clearly, “You will receive the $400 credit to your checking account about 90 days after accepting terms and conditions.” So I won’t be holding my breath.
For the 2nd DD, i tried Discover CB redemption which posted yday for 250. So far bonus hasn’t triggered (usually tuesday). So either i am fried or Discover DP isn’t working anymore. Hoping its the later.
Didn’t get the bonus either. I used my GS bank savings acc and did 1 $250 push last Wednesday and another last thursday.
I’m just going to try legit payroll direct deposits over the next month.
Did you receive it today (the next Tuesday)?
The discover redemption didn’t work. So i am waiting for my 2nd real emp DD to post next month. In the meantime i am trying Santander Bank to see if that triggers earlier.
Did Santander bank trigger the bonus?
Nope. Now wait for the real employer DD. Meanwhile does anyone know if GS bank is a hard/soft pull?.
Not targeted, do not live in Boston, opened account, had two payroll direct deposits post and a few days later received the $400 bonus. Combined with the $200 for the money market this makes me one happy camper!
When did you open?- After this DoC deal post?. I might have to wait for my 2nd employer DD to hit next month to see if it worked.
Opened 4/7.
Did you use a promo code for the money market account or did you just click through the link?
The MM account also had a promo code associated with it. Something like GET200.
DP: I opened up this account a few weeks ago without getting the targeted offer, didn’t call CSR or anything – just took a shot in the dark. I met the requirements not long ago and the bonus has been successfully posted to my account. Good luck to all others!
Hi,
When was the account opened and when was the bonus posted ? Is the DD from payroll ?
Thanks
According to one comment here:
https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#comment-387927
Apparently they can tell it’s a fake DD if it has trial deposits. I wonder if Santander would work to trigger the bonus? They don’t require verification for transfers. I’ll try it out and update in a week or two.
That would explain why my Alliant Credit Union deposits did not work. It’s only been a week since they posted but people on here have reported getting the bonus within a few days of DD
Any update on getting the bonus with Alliant transfers?
No luck. DDs from Alliant posted 5/4 but no bonus. However, Alliant did count as DD for the money market bonus
I did the $200 MM bonus and I’m fairly certain the requirement was simply to fund the account with $10,000 but it didn’t necessarily stipulate that it had to be a DD from an employer or government benefits etc.
@Zachek, that’s the money market bonus.
I used Santander, from both my account and someone else’s, neither worked. Serve didn’t work either. Not sure what to do. Advice? I have M&T, Alliant, Discover (cashback bonus), Santander, and Chase.
Alliant did not work for me.
Popmoney does’t require verification deposits. Try that
DP: Was NOT targeted, but applied anyway.
4/26: Opened checking account
4/26: Closed my money market account and moved balance to checking account
5/10: Two direct deposits from payroll (same amount, twice)
5/16: Cha Ching! $400 bonus posted
5/16 Opened checking account for wife and hope for a repeat!
Nice! How many accounts have you opened in the past 12 months and where are you located?
Located 90 miles north of Seattle.
This account is my 6th since in the last 12 months. Really 6th in the last 5 months.
Thanks. I’m way over that. Will probably give it a shot anyways.
I wish I had more opportunities. Not many WA state or PNW bonuses out right now.
I’d suggest freezing your Chex before applying if you’re worried. I wasn’t approved for the 360 checking account initially due to a low Chex score (too many accounts recently). But then I froze it and applied again the same day, this time it went through.
Applied and approved and I’ve opened 8 accounts over the past 2 months.
Can you tell how the DD from employer was coded as?. Mine says Deposit in type and in Info says Direct Dep.
Mine says the same.
Applied and it didn’t even get to the part where it asks me questions, so I wasn’t able to enter the promo code. It wants me to call in. No way are they going to let me add the promo code onto my account if I’m not targeted.
Ended up calling and killing almost an hour, but my new account was opened and I was able to enter the promo code into the promo box so fingers crossed. I’ll setup real DD, but it looks like some other banks work too.
Turns out I had an old savings account with ING 10 years ago and another savings account with some other bank they bought out 7 years ago.
So you’re saying you were able to complete the application online but got help by calling in because of some computer glitch?
Yes. My profile was locked and they needed to do stuff on their end to unlock it so I could create a new login with my current address/info. Same thing happened to my wife, but she hasn’t called in yet and I doubt she will. After they got my profile updated with the current info I was able to go through the application again and was instantly approved.
Thanks for the info. I’m considering trying for this bonus also even though I’m not targeted either.
Did they confirm with you that the promo code was accepted while you had them on the phone or did the online application just go through and you’re now hoping that the code went through.
He said I was not targeted, but that if I entered the promo code in the application it would be attached to my account. Others here have not been targeted and have received the bonus so I took a risk. Crossing my fingers.
After you were approved online, did you immediately get your account and routing numbers so you could setup the direct deposit.
Yes, they give you the account and routing number immediately.
@Fred – Yes, I got routing and account numbers on the confirmation page.
Thanks Ken and Jeff G
DP: Goldman Sachs savings triggered the bonus for me! I was not targeted and I live outside the target area (Florida)
4/30 Account opened
5/3 GS Bank ACH Push $250
5/4 GS Bank ACH Push $250
5/16 Bonus posted
Does Goldman Sachs do the trial deposit thing or not?
Yeah, I’m surprised. I actually set up payroll because I thought I wans’t going to get it since I didnt get it last week
What was the deposit coded as – DD, or P2P?
Coded as a payment
Does GS bank do a soft or hard pull for opening a savings account?. Also how fast is the opening process?.
It was a soft pull but they did a chex inquiry though. I had instant access to the account after applying but they hold your funds for a few days before you can transfer out.
Thanks for the info.
I did a transfer from gsbank and it came into 360 as ‘Goldman Sachs ba payment’. Is that how it was for yours?. I don’t see the word ach. Am I doing something wrong?.
No, that’s what mine did
https://i.imgur.com/RrQjZPq.jpg
NBG did you just go thorough linking the account then doing a transfer? On my screen for GS it does not say coded as payment. Will it come thorough capital one as coded “payment” ven though I just did a transfer? or do I have to call inn and ask for a ACH transfer? I did not see it as a option.
Yes, Link the Cap 360 account in GS. Then do a transfer from GS to cap 360. When it finally settles and posts in Cap 360 it will say “Goldman Sachs ba Payment” in the Cap 360 screen. Its exactly the same as James screenshot in the earlier message.
Thanks for the screenshot and confirmation. I will wiat and see if bonus posts now. I guess i may have to wait till 16th to find out (based on success pattern).
I want to open a GS savings, do you know how easy it is to ACH money out of it? The reviews I’ve seen seem to be 50/50 on it being horrible or amazing…
They put your funds on hold for a few days before you can ACH out
I havent had problems with it as a savings account. The only negatives for me is that it doesn’t have debit cards or a mobile app
Has anyone with an existing CapOne checking or savings tried to see if they’d get any of these bonuses?
I know the verbiage excludes current account holders, but then again the state limitation or email targeting doesn’t seem to be hard coded for them.
As a legend said once,”Be the DP you want to see” 🙂
I might if I see conclusive recent data points (like more than one) about which bank’s ACH counts ad DD.
The verbiage only excludes current/past checking account holders. If one has a money market/savings, they should be ok.
Side note: for anyone else who missed the memo on the 360 money market, the APY dropped to 0.60% for accounts <10,000 at the end of Mar. Doc has updated info on the MM post (of course!), but I completely missed that until now since I got the bonus and tucked the account away so to speak.
Here are my datapoints:
4/28 – Account Opened
5/3 – $25 opening deposit
5/3 – $250 direct deposit posted
5/5 – $250 direct deposit posted
5/16 – $400 bonus posted (Cha-Ching! New Account Bonus)
I will keep the account open for a few months with a $5 balance, thank you no monthly fee 🙂
Hey Grant. Were you targeted? You’re in the Bay Area, right? I think we met in Denver at the last meetup with Nigel and Will.
Grant
What institution did u use for direct deposit?
Thx
I send myself payroll payments from my Chase Biz Checking to count as direct deposits.
Meaning regular ACH transfers?
No, direct deposits. It’s a Chase Biz checking service.
Hey Ken, yes, im SF, but I didn’t get any targeted email or mail for the offer. Just applied with the info from this post 🙂
Same boat as me. Fingers crossed I get this bonus!
Have you been following all the M&T bonus posts?
My $250 DDs from Alliant Credit Union failed and now it appears my Ally Bank DDs have failed also. What am I doing wrong?
When did you deposit? What did they show up as?
Someone else above also mentioned Ally as failing.
Alliant was 5/4. Ally was 5/17. They didn’t say p2p or DD or anything special
You linked the Capital One account at both Alliant and Ally before sending the $250? If they’re both already linked there’s no reason why it would have failed for either bank. I have Alliant linked to my 360 account with no problems.
When you say failed, do you mean the money did not transfer to your 360 account?
Failed as in failed to trigger the bonus
Can anyone confirm if they received the bonus yesterday?
My husband and I both opened the checking, but nothing posted yesterday. Tried ACH from local credit union and serve.
Was expecting his mm $200 bonus also, but that didn’t post either.
Anyone who recently opened this account have this message show up in the confirmation screen and also below the promo code entry field saying about the terms – available in greater boston area and do 2 dd of $250, etc.
I didn’t pay attention when i opened back in Apr. My wife opened yesterday and she saw that message.
I opened 8 days ago and don’t remember seeing that. DDs posted 2 days ago (both of them from my Amazon seller account on the same day) so I’m still waiting with my fingers crossed.
I opened mine last week of April.
5/5 Legitimate DD from employer
5/19 Legitimate DD from employer
and still nothing… I might just not get anything 🙁
Maybe they’re done with bonus processing till next month? I wouldn’t give up hope yet, no one’s seems to have processed this week.
From the 2 confirmed DP, it looks like Bonus is posted on 5/16 irrespective of when the DD happened. So may be its posted only on certain tuesdays.
Holy guacamole! My bonus came in as well! Arrive 6/8/2017. Cha-Ching! New Account Bonus
My second DD from employer posted last Friday but no bonus this week.
Does it say Direct Deposit?
I have some Amazon payments (which is my job) and all it says is deposit. It says the same thing for the Alliant trial deposits too. Is it actually supposed to say direct deposit?
My real DD says Direct Dep. So far, i have seen Direct Deposit and ACH terms seem to work.
I’ll try Alliant next, but the trial deposit said “deposit” also and not direct deposit. I’m surprised the Amazon Marketplace deposit didn’t work as that is my legit employer.
Is there a section that says “info” when you click on the transaction via their desktop website? My trial credits are “Type: Deposit” and “Info: Trialcredt”. My employer DD is “Type: Deposit” and “Info: Quickbooks”. Obviously I’m hoping their system pays attn to “Info” because otherwise my legit DD won’t work either. Guess we’ll stay tuned! (FWIW I haven’t met the reqs yet as I only have 1 DD, so I won’t know for a while.)
Forgot to add: I pushed some money from Ally as a test and that coded as “Type: Deposit” and “Info: P2p”.
Before getting to the application it asks whether you are an existing Capitol One 360 Customer or New to Capitol One 360. I’ve never been a 360 customer but currently have a Capitol One credit card and have had their money market accounts previously.
In fact when I log in to the money market account (vs just the credit card account), they show my closed accounts with them along with the credit card account). Was wondering if I should say I am an existing customer or not, or does it matter.
Any thoughts?
Doesn’t matter as it will figure out and ask you to login. It did it for me as I have a money market account.
So once your application is approved, it will immediately show in your online account when you login?
Yes.that is correct. But, ever before that, it will force you to login to complete the application and funding. Atleast, that’s what happened in my case.
DDs showed up this morning as follows. Don’t know if this helps.
Fidelity: Deposit from FID BKG SVC LLC MONEYLINE
Alliant: Deposit from Alliant CU. ONLINE WD
Opened the account on April 28. I did the money transfers from Alliant credit union to 360 checking in the first week of May. I have not received the bonus till now. I believe deposits from Alliant CU are no more working as DD to the 360 checking account.
After my two direct deposits, do I need to leave the money in the account or can I withdraw before the bonus comes?
I opened the account and accepted the terms in the last week of April (didn’t note the exact date). Opening deposit cleared on May 2. Had $250 employer DD on May 4 and May 18. $400 bonus deposited today, May 31, and is available for use. To my knowledge, I wasn’t targeted (didn’t receive an email or mailer, didn’t call in to check).
I 2nd employer DD posted 5/31, bonus posted 5/31.
Not targeted, live in CA.
I’ve had 2 Amazon deposits (yes, my employer) as well as 2 Alliant deposits and still no bonus. I’ll try 2 from Fidelity and cross my fingers again, but this will be my last chance as I only have 1 employer for DD and no other bank accounts that would work.
Check your accounts!! Looks like today is a pay day!!
WED, May 31
Cha-Ching! New Account Bonus, 400.00
In short: not targeted, living outside of the targeted area, two real direct deposits (second one posted this past Friday).
It sounded like a good risk/return situation from the beginning. Perfect example of how being informed and getting data points from the past help us so much in evaluating our chances! Thanks Doc very much!
Do u have existing money Market Account with 360?
No, but I have savings w them.
Opened: 4/30
Payroll DDs: 5/5 and 5/19
Cha-Ching! on 5/31
Had contacted the CSR after opening the account and she said I wouldn’t get the bonus, glad that I went ahead anyway.
Thanks Doc!
*Not targeted
Not targeted, opened with code.
Opened: 5/1
Push from Fidelity CMA: 5/9 & 5/16
Bonus: 5/31
I was worried because it recognized the transaction as a deposit from Fidelity. This is how the details appear:
Deposit from FID BKG SVC LLC MONEYLINE
Then there is hope for me after all. I did Alliant and Amazon Payments twice each and no bonus. I’ll try Fidelity next and cross my fingers again.
Bonus posted today yay.. used deposits from several banks not sure which one triggered.
Which banks?
+1
Bonuses on all 3 accounts posted today. DDs from employer. Easy $1200.
you opened 3 of these exact same accounts? all opened on same day?
I would also like to know more. James, do you mean for yourself, your wife and one of your children, perhaps?
Bonus Posted today.
I deposited from Vanguard
5/1 – Opened account
5/12 and 5/17 – Deposit from Vanguard
5/19 – Started to deposit from employer just to be safe, only one deposit.
5/31 – Bonus posted
I’m in the Northeast but not in Massachussetts.
Can you tell me what kind of account you have at Vanguard? My wife is a roth there but didnt know if I need to open some other account type to send the “DD” to Cap One.
Yea, it’s all the same regardless of account. The way the Roth is funded is the way the other accounts are funded. So that means you can withdraw / deposit to and from your chosen bank. You just gotta add it in your Bank Account settings.
Sweet. Love avoiding the slow real DD process. Looks like VG will work for her and Fid for me. I appreciate all the DPs!
So did you push it from a Vanguard general investment account, or from your Roth? And it still required trial deposits, right?
I just sent the second VG over today. Opened a brokerage a week ago as wife’s Roth pull auto invest
into funds and didn’t want to skew 2017 contributions . Used VG to pull funds from Ally to VG. From VG brokerage did a “sell” and pushed to CapOne. With any luck should be seeing g $400 soon.
And yes to trial deposits.
Not targeted, I live in California and got the Bonus.
3/17 – Opened account
5/2 – Payroll DD
5/16 – Payroll DD which just so happened to be the 60th day (the last day to fulfill the requirements)
5/31 – Bonus posted
Bonus posted 5/31/17
Deposits from etrade investment account
$250 deposits made about a week apart
Was not targeted, but did have a savings account.
Rolled the dice and Scored!!
DP – Bonus Posted 5/31
Not targeted, live in Texas, two direct deposits from payroll.
$400 bonus posted today along with everyone else.
Anyone with a Money Market account opened this and got bonus successfully?
Yeah, got the money market a couple days after the $200 bonus was posted on this site. Got this $400, not targeted, not in targeted area.
Thanks for the quick reply. I guess you still have both accounts active?.
I may have to wait for my 2nd employer DD to hit tmrow and see if this bonus posts on 16th.
My Discover didn’t work either (although it worked for Avery below), will try Fidelity.
It does seem a very much YMMV. Ah, well …
Yes. I closed my MM the day after I received the checking bonus.
Set up accounts for my wife and I, both not targeted. Opened mine a few weeks ago, did two paycheck DD’s and the bonus posted. Opened my wife’s account recently, did two paycheck DD’s from MY paycheck (May 25) and did not get the bonus yesterday. I am wondering if the bonus did not trigger because it was my paycheck and not hers. I can change around my paycheck, her not too much.
Maybe I need to wait until next week? Although the process for getting the bonus did not seem to follow the rest of your paydays on May 31st.
I’m beginning to wonder if something has changed depending on account opening date. I’ve done two sets of DDs and one of them (Amazon DD) should definitely have counted for the bonus and I haven’t received anything yet. Opened my account 5/16/17. I’ll give Fidelity a try, but if that doesn’t work I’m definitely not getting to bonus since many people here who have used only Fidelity have received the bonus.
I opened my account around the same time – with all the DPs the bonus should have posted 5/31. I’m going to give it until next Tues/Wed and if it does not post I may need to try something from Vanguard, that seems to be working for people.
Maybe they closed the non-targeted loophole in the past few weeks?
I’d try a pair of Vanguard transfers now to play it safe. I’ve already done one Fidelity and I’ll do another next week..
Well, here we go again, a new week another chance to see if the bonus posts. I’m not holding my breath….
My 2nd Fidelity DD posted today so my fingers are crossed. I think they do bonuses every 2 weeks, so if that’s true it’ll be next Tuesday for a chance at the bonus.
I hope you are right Ken, didn’t get the bonus this week. Will hold my breath for next week. If not then, it is over over over.
If something changed this could be very important info- I hope nothing has though! I have another family member ready to sign up but we’re gonna hold off.
As a DP I opened 4/27, bonus posted 5/31.
When did you do your direct deposits?
5/15, 5/31 payroll deposits
Hmmm, my bonus should have posted with your info, especially since it was a “real” DD. Weird.
@Jeff – Same for me, as mine were from Amazon and that’s my day job. No bonus.
So my wife’s bonus never came through even with real Employer DD.
I wasn’t targeted but tried this anyway, just got the $400 bonus. used Discover bank to trigger DD
My Discover failed to do anything. Strange.
I guess it is not going to trigger for me.
It was coded as Deposit, and in info was written p2p
Mine was coded p2p as well..I honestly wasn’t expecting to get the bonus but somehow I did
When did you open your account?
4/28
Thanks!
When did your second deposit post?
Thanks!
When did your second deposit post?
5/23
Discover Savings Account or other?
Checking, though it should work with a savings account as well
Did you transfer money or redeem cash back?
Did it send trial deposits to Cap One?
I transferred the money, and yes it sent trial deposits initially to verify the account.
GS bank is still working trigger the bonus right? My DDs just hit yesterday. I guess I’ll see next Tuesday
I got the bonus 2 weeks after doing the two $250 transfers
GS bank?
Yeah
I will find out on next tuesday. My wife did 2 GS push and posted on 30 may..but bonus didn’t hit on 31st though. But, her ac was opened on 24th may.
Not targeted, and in CO.
Opened account 5/12.
2nd DD (employer) hit on 6/2.
$400 bonus hit on 6/8.
Hmmm, I’m in CO too, not targeted, and I’ve had 3 pairs of DDs and have not received the bonus. Account opened mid or early May.
My bonus surprising hit yesterday.
Opened 4/28
1st Employer DD – 5/3
2nd employer DD – 6/5
$400 cha-ching! Bonus posted – 6/8
Now my Wife account is still in limbo with the 2 GS push.
Hi NBG,
I searched through all your comments here but didn’t see you mention whether you and your wife were targeted or not.
Can you confirm?
Thank you.
Hey I read again and saw you “took the risk”
So thanks!
Looks like the first round of bonuses were paid out on 5/16 and the second round was paid out on 5/31. A 15 day difference. So the next round should be paid out on 6/15
I thought that was the case too until a few people have reported receiving the bonus June 6th which would be a week after the past Tuesday.
Under eligibility – You must be a resident of the great Boston, MA area.
Why idd not one point this out? lol
Not targeted, got bonus. Will be doing the same for the wife later today.
Employer DD or ACH from a bank?
Employer DD
when did you open account?
Is YMMV for repeat customers too? I had capital one before am I eligible for this one too?
Definitely not. CapOne has the longest memory out of any bank I’ve seen and will disqualify you if you had an account from a different bank that CapOne bought out 10 years ago.
Not targeted, live in OH, never banked with CapOne or had a CapOne CC. Will report back my DP in a month or so after 2x employer DD.
I had a regular Cap1 (not 360) checking account years ago. Am I ineligible for this bonus?
Also any idea if a Schwab Brokerage transfer will trigger the bonus?
yes
We know the targeted language is not enforced
But can anyone confirm if the below is enforced?
“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).”
Yes, it’s enforced.
Tried for this and didn’t get it “You weren’t eligible.” They gave me a $100 bonus though, so that was nice.
You weren’t eligible why?
And what were the circumstances of the $100 bonus? Did they email you about it? How was it explained?
Anybody tried deposit with Schwab?
If my Fidelity deposits don’t trigger the bonus I’ll try Schwab next. But it seems like anything that does trial deposits doesn’t work.
On the subject of Fidelity brokerage, I just tried to register my new Cap1 checking account online at Fidelity site as an external account so to be able to do the two ACH transfers, complete fail. It wouldn’t let me register it online and said I had to mail in the “Add external account” form with an attached voided Cap1 check. Have others that have had success with Fidelity also had problems registering Cap1 online as an external account but had to mail in the form instead? Also, just added Cap1 as an external account to my Schwab brokerage… it wouldn’t even let me type in my Cap1 username/password so to verify the account but went straight to Trial Deposits. Not having luck here..
Fidelity won’t let you link if the names of both accounts don’t exactly match. And Schwab has never allowed username/pass to log into the external account. They only do trial deposits. I’ve had Schwab for years and have added 30+ external accounts.
My names match…
That’s odd, as I was able to link and then send a small $10 transfer before two $250+ transfers to my CapOne account. I have not received the bonus and tomorrow will be almost 3 weeks since sending the Fidelity transfers.
“And Schwab has never allowed username/pass to log into the external account. They only do trial deposits. I’ve had Schwab for years and have added 30+ external accounts.”
What makes you say that? I’ve added over 20 external accounts to my Schwab using only the username/pw method, without verifying trial deposits.
The only one that has confounded that method for me so far is the new Insight card’s RBC account, which obviously doesn’t have real RBC credentials. The trial deposits worked for that account though.
@Jay – What website do you use to login to Schwab? https://www.schwab.com/public/schwab/client_home?
@Ken:
That is the domain that I get redirected to when I simply type in “schwab.com”, so yes that is correct. I don’t see why that would matter though.
Anyway, this is the screen that you should see after you try to link a compatible bank:
http://i.imgur.com/DbiFhF5.png
However, I just confirmed that this screen does not show up for my new Capital One 360 checking account, instead going straight to trial deposits, indicating that Capital One is not a participant. As I mentioned above, this is actually the first bank I’ve come across that doesn’t participate, big or small…
Regions, Northpointe, BMO, BoA, Quorum, BB&T, Chase etc., I could go on (almost) forever. I linked all of those using my login only.
@Jay – Some people are still using the old Schwab website which is completely different.
I have never seen that screen in over 30 accounts linked. I have not linked any of the accounts you have mentioned. Is yours for checking or brokerage? I have a brokerage, but I don’t have it linked to any external accounts like I do for checking. Odd that we have two totally different experiences.
FWIW, I’ve added a bunch of external accounts to Schwab (not sure if I’m using the old site or the new site) and the username/password option only came up for one or two accounts, while all of the others were trial deposits. Can’t remember which ones. CapOne was definitely trial deposits.
Had the same issue with my Fid acct. Linked BMO, PNC, Santander online no issues. For CapOne I had to submit paper form. Fid banker advised me that all adds had to be done this way in the recent past. Submitted form and screenshot of C1 account profile. C1 now shows on my Fid transfer page. Should be sending ACH soon.
That’s weird, I was able to do CapOne from my Fidelity account without sending in any paperwork. Second ACH posted last week and no bonus today 🙁
@ken. The error message I received was instantaneous so I seriously doubt anything external was used. I emailed myself the message.
“In evaluating your online request to link to your bank account, Early Warning (a consumer reporting agency) provided us with information that influenced our decision to not link your bank account. Early Warning played no part in our decision and is unable to supply specific reasons why we weren’t able to add your bank account.”
Tell me that doesnt sound like a bunch of crap.
Don’t see why a denial by EWS wouldn’t be instant…
Guess I will request the report tomorrow. Other than 20 accts in 12 months I am sure its clean. Glad Ally doesnt care when linking 😉
How many of those 20 are M&T?
Lol. As of 5 minutes ago 6 of 21. Sad but happy I have reached the end of M&T money train – until a new code posts.
Well, I guess between Jay and myself we shall soon see if Schwab works for this bonus…
Just received mine:
https://www.doctorofcredit.com/targeted-capital-one-400-checking-bonus/#comment-425562
Sounds like you should expect it soon as well.
Hi unemployed here whats the easiest way to get direct deposits without an employer
Government benefit, or you can try transferring from another account you have.
Any recent signers since end of May got this message show up in the confirmation screen and also below the promo code entry field saying about the terms –
“available in greater boston area and do 2 dd of $250, etc.”
I asked this before but didn’t see any DP. Now that the post is re-posted, thought i would ask again.
I think that has always showed up. I signed up middle of May and this message showed up. I am waiting for my 2nd direct deposit to hit my account. Hopefully i will get the bonus. Fingers crossed!!!
Just opened my account and logged in. My Accounts Summary page has this message:
“We need to speak with you regarding your account. Please call us at 1-888-420-9943.”
Anybody else have this message? Should I just ignore it? I don’t particularly want to call since I’m definitely not targeted.
I just called and it was bc they wanted to link my credit card profile with my new bank account.
Does anybody know if chase ach counts for DD? I’m going to try and be my own DP
did it work
Samesies. I’ll probably call in tonight.
Just called in and was exactly as Cristiano said above. Just an issue linking new 360 checking to existing credit card account. To resolve yourself, go to the following link and follow instructions:
https://secure.capitalone360.com/myaccount/banking/standaloneenrollment?execution=e3s1&stateId=collectsecurityinfo&dnr=-1
Didn’t get the bonus this past Tuesday. Did anyone else get it?
Nothing here. They must changed the pattern of bonus posting. The last one happened on Thursday Jun 8.
Nothing for me either.
Didn’t get it either. Had 2x government benefits post Friday 6/9. Still holding out hope, but would like to know sooner than later so I can open one for the wife.
I took the plunge tonight and will be happy to report back along the way, good or bad. DoC has been so beneficial, especially the past year with both credit cards and bank accounts. If it doesn’t work out this time the 2 $250 direct deposits won’t be much of a sacrifice in providing good data points for all. Getting the $400 would definitely keep me around for awhile, especially since the 1% on my 360 Savings isn’t competitive with my first year 1.5% Memory account. I’ll keep ck and sav open if the bonus posts.
Giving it a shot today as well. If it doesn’t work, oh well, I didn’t lose anything for trying. Thanks for all the good DPs!
I will give this a shot. I live outside the target area. Im lucky enough that my employer allows me to do DD and split it 3 way. I will have two $250 hit the account on the 23rd and hopefully report back with a good DP.
Taking the plunge too, $400 is well worth it.
I’ll post back, going to go the employer $250 route.
For those who have received the bonus pls mention the bank(s) that were successful for the 2 $250 DD that are not employment or government-benefit related. I have a feeling this offer and/or the $400 bonus may disappear quickly, perhaps even for those who have already opened the account but have not yet performed the direct deposits. Time is of the essence in getting those external transfer accounts up and running..
Dp: have not yet received bonus. Key bank and Huntington bank don’t trigger. I’ll keep trying other banks.
Bonus just hit! Woohoo!
Had given up on it. Now I have money to fix my brakes 😀
Hope NBG’s 2nd account and Ken got it too. Seems like we 3 were the only ones with unsuccessful DPs so far.
Thanks Doc. This and the WFs are big earnings which wouldn’t have happened without the doctor’s efforts and the other members with DPs
What did you use to trigger the bonus? Did your bank do trial deposits? Thanks!
I used many sets, including known data points like Discover but was not working so far. My most recent deposits were from Fidelity and Simple.
However, I think my account might have been sort of ‘stuck’ as I was unable to add any external account. Last week I called them and got it fixed and that likely sort of ‘refreshed’ it.
I think Discover should work, there’s also a current $100 promo if you can spare $10k
Woohoo!! Received the $400 bonus today too! Looks like Fidelity worked and Alliant and Amazon deposits didn’t work.
So happy for you Ken!!
Schwab was my backup and according to others they would’ve worked as well.
I had a savings account 10+ years ago with ING which made opening the account a PITA. Wife had a savings account a few months ago and I don’t even want to make her go through the ordeal I did just for $400. Isn’t worth it.
Yep. Got the $400 bonus today for my wife after 2 GS $250 push on 5/30. Account was opened on 5/24.
So definitely GS bank ach works. Glad I did that based on earlier dp. Now if there is nice promo for the regular cap 360 savings, it would be sweet!.
Everyone has got it now, then 🙂
I believe MM and Savings are considered in the same bucket, so getting MM bonus rules out any Savings.
is this the goldman sachs savings account that you used? or is there another one?
Greetings! Would you please provide the transactions details? Mine appears as:
GOLDMAN SACHS BA Deposit
(a bunch of numbers) PAYMENT
Is that your case? Thanks!
Yes, that is somewhat correct. Here is the James screenshot from few posts above. This is how mine looked.
https://i.imgur.com/RrQjZPq.jpg
I still haven’t gotten mine. Wasn’t targeted and not in Boston (in LA.) Opened early May. Did Alliant transfer per the DoC’s list of DPs but that didn’t work. Just went on disability and the associated BofA account for SDI payments doesn’t ask for trial deposits (plus its technically government benefits but I’m not sure how those qualify, if they have to be set up with the welfare dept, CA EDD, directly?) So I tried 2x $250 transfers from that account a week ago and then two more this week. Still nothing… :-/
Bonus just hit my account. June 6th and june 8 th. Discover cash back deposit in the amount of $260 trigger the bonus . It just posted .
were you targeted?
not targeted
Let’s get a list of banks that have worked to trigger the bonus.
YES
Discover
Fidelity
NO
Amazon Disbursement
Alliant
Are these your own DP?
Amazon, Alliant, and Fidelity are mine. Discover is from others in recent comments. Also Goldman Sachs Bank works according to comments today too. I can stop updating the list if you’d like.
We keep an updated list here: https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Capital_One_360 so best to just post your own DP
I don’t know how I could forget about that, as I check it before every new account opening. Stupid car accident…
Alliant and Amazon did not work for me. I think you stuck it in the wrong spot by mistake.
Ah in that case I won’t add them as maybe you didn’t get the bonus for other reasons (e.g technically this is targeted).
I did receive the bonus, and it was triggered by Fidelity like others here. Alliant and Amazon did not trigger the bonus.
How do you know it was trigger by fidelity and not Alliant/Amazon?
Because it was 3 weeks after my Alliant and Amazon deposits posted and still hadn’t received the bonus. Then less than a week after the last Fidelity deposit posted I got the bonus. CapOne posts bonuses once a week.
I’m keen to open a fidelity or GS account if I think it might work to trigger this bonus. I wonder how long that would take to get it funded and initiate the transfers. I’ve only got 2.5 weeks before the 60 days are up.
For me it took around 10 days to transfer out funds from the opening date for Fidelity.
GS is way quick. In 3-4 days u shd be able to transfer.
Bonus posted today on 6/15. Two direct deposits from GS bank triggered the bonus
targeted?
Nope
DP: Opened 5/20
2×250 DD from employer, last hit 6/15
Bonus posted 6/15
Did one for my SO as well, neither of us was targeted.
Easy $800.
Account opened 5/4
DD From employer: 6/1 and 6/8
Not targeted and no bonus today…. hoping for next week 🙁
I would say just go ahead and do two deposits from the known data points.
Bonus hit my account too. Strangely, it hit in the middle of the day. When i checked in the morning, there was no bonus. After reading the posts here, i went and checked and i see the CHA- CHING.
Thanks DoC!!
Same for me too. Bank or employer DD? If bank, which one?
Employer DD. One was May 30th and other was on Jun 13th.
Btw, i was not targeted and do not live anywhere near Boston
that was quick! thanks for the timeline.
I applied a few days ago and when trying to link my fidelity account got the same mumbo jumbo about names not matching. (They do).
Instead of sending in the paper form which is a hassle I just opened a GS account and linked the Cap360 account instantly. Waiting for money to post and then will send it over.
Here’s to hoping 🙂
PS I may try sending in the form in the interim just to be safe. Depends if I have the time.
What is a GS account?
Goldman Sachs (savings account I assume)
Called yesterday using my parents address in boston, not targeted. Pulled the trigger anyway after DP’s of the bonus posting. Hoping I’m not too late. Will report
whats the easiest way to get DD’s from this list? https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Capital_One_360
can i use ach from a bank? would that work as dd?
Yes
It seems Discover, Goldman Sachs and Fidelity works for this.
DP: I live outside the targeted area and didn’t receive a mailer. I applied 5/19, completed 2 ACH-pushes from Schwab Brokerage 5/24, and received the bonus 6/15.
I think the Schwab DP is worth adding to the direct deposit page, since there wasn’t one for Capital One before.
And you had to do the two trial deposits from Schwab first in order to set up the link between Schwab and Cap One? Or no?
yep
Thank you very much for that DP! I have tried a few things and failed so far. The DP’s heretofore had suggested the trial deposits were the hangup so I didn’t even bother to try Schwab. I was just planning on opening a Fidelity account to trigger the bonus, but now I will try this next instead.
Did you link the Schwab brokerage account or the Schwab checking account? When I try to set up the external account on the Capital One 360 page it says it has to be a personal checking account…
Sorry – new to all of this!
You don’t want to set up anything on the CapOne website… you want to set it up from the “push” side (in this case Schwab). Then you push the two $250 ACH deposits from Schwab to Cap1 and hopefully along with the rest of us it will count as two DDs and trigger the bonus
I added the capital one account as a transfer destination from schwab, and then transferred money from my brokerage TO Capital One. You don’t want to do it the other way around because then they know for sure that your transfer wasn’t a direct deposit.
can confirm schwab works
Brokerage or checking?
My first Schwab Brokerage transfer hit today
The heading says “Schwab Brokerage” and they when I expand it, it says
“Transaction Type: Deposit”
“Info: Moneylink”
“Appears on your statement as: Deposit from SCHWAB BROKERAGE MONEYLINK”
Jung, is this what your Schwab transfer said?
How long did it take for the bonus to show up after the 2nd transfer?
More info if anybody cares… did two Discover Savings ACHs this week. One hit Monday and the other Tuesday. It says:
Trans type : Deposit
Info : p2p
Appears on your statement as: Deposit from DISCOVER BANK P2P
So under “Info” Schwab says Moneylink and Discover Savings says p2p. Who knows what will happen. I plan to do two Schwab ACHs also, for gee whiz sake… just waiting on the $500/2 to be available to push push 😉
My schwab brokerage shows as an electronic transfer under transaction type. Is that what showed as well?
Not for me. Under transaction tyoe, mine says “Deposit”
I’m working on the new bonus, mine says the same “Electronic Transfer” did your bonus post?
Can you guys tell me if by Schwab Brokerage you are referring to the brokerage account itself or the checking portion of it? Considering getting this account just for these good DD points.
Hi guys, any dp on PP/Venmo withdrawl counting as DD?
be the dp you wish to see in the world
I had $20 on my Venmo (1st time I ever received a payment on Venmo as I’ve mostly been using it to buy points on my CIP) that I tried transferring to see how C1 sees it. It showed up as:
Transaction Type:Deposit
Info:Cashout
Appears on your statement as:
Deposit from VENMO CASHOUT
would this be worth it if i had to open a different account to get the DD?
If your rule of thumb is ≥$200/acct opening then potentially, yes. But since there’s no guarantee, it’s up to you.
I am in VA and I tried a different offer for one family member’s new account (BONUS400, link https://www.capitalone.com/bonus400/).
Account opened: early May 2017
First Employer DD: Late May
Second Employer DD: Mid June 6/16
It has been 2 business days since it hit but I don’t see the bonus yet. Fingers crossed.
DP for bonus400 coupon code, the bonus was received on 6/22.
Memory Bank $250 deposit was coded at CAP ONE as P2P. A $250 deposit initiated from DISC SAVINGS account (not cashback from a DISC credit card redemption) already on the way, will report back with the result.
Look four posts above yours 🙂
Confirming DISC SAV posts as P2P.
Hi everyone, quick question. When you all put in the promo code, did bolded language pop up right underneath setting forth that it was for Massachusetts residents only and targeted? Just want to make sure that this isn’t a new development before I jump in. Thanks so much!
I saw the same language and ignored it. If the $400 doesn’t post it looks like $100 is being offered to several who called as a “consolation” prize. That’s not bad for two $250 DDs and only a week or two of your time.
I did get that for my wife app on 5/24. But took the risk and bonus posted last week. I did ask the same q’n here before and folks confirmed the same experience.
For those of you mentioning that Discover works as DD, would a Discover Savings account work? Or is it something else you used?
I think they mean the Cashback bonus deposit from Discover. That is what i tried based on past DD, it didn’t work for me until i had 2 real employer DD’s. Best option is the GS Bank Savings.
Where did you guys enter the promo code? I was not able to find a place to enter that code at all….
Positive DP for ACH push from Schwab Brokerage:
– Not targeted via any channel
– Not living in the targeted geographic area of MA
– No previous checking accounts with any banks affiliated with Cap One
– Did enter the promo code PLUS400 on the funding page
– 06/12: Account opened and funded
– 06/12: Initiated trial deposit verification from Schwab Brokerage account
– 06/13: Confirmed trial deposit amounts, and scheduled the two ACH pushes a few days apart.
– 06/15: First ACH push posts to account.
– 06/19: Second ACH push posts to account.
– 06/22: Account opening bonus posts to account.
The Schwab Brokerage deposits posted as:
“Transaction Type:Deposit
Info:Moneylink
Appears on your statement as:
Deposit from SCHWAB BROKERAGE MONEYLINK”
Solid data. Giving it a shot this week.
i used schwab brkerage to transfer to capital one.but why the transaction type showed electronic transfer?
That’s interesting, since it seems unlikely that the transaction type would have changed over the last week or so.
Can you post screenshots of both your outgoing transfer on Schwab and your incoming transaction details on Cap One?
Here are mine (which should be what you are also seeing):
http://i.imgur.com/Xzdtpjl.png (the blacked out portions are where your name would appear)
http://i.imgur.com/YN0ygxi.png
i can send you email
Mine also says electronic transfer, I am going for the most recent bonus. Did your bonus post from schwab brokerage?
so you used the schwab brokerage portion of the account to do this, not the schwab checking right?
2 transfers of 250 from schwab brokerage few days ago and today bonus posted
I’m seeing ACH as a method of completing the Direct Deposit requirement, but can I use any bank, or only the few like Schwab or Fidelity that I’m seeing mentioned seperately?
Similar specifics to above posters. Bonus posted today as well.
Any chance they try to claw this back? I certainly do not live in Boston MA.
Not targeted. Not in target area. Previously opened joint MM acct with wife to use a hub with $200 bonus.
6/3/17 – Opened 2 individual accounts for spouse and self, $50 transfer opening deposit from MM
(had to open brokerage at Vanguard for spouse and manually link Fidelity with paper form for self)
6/14/17 – Acct 1 Vanguard ACH for $251, Acct 2 Fideilty ACH for $251
6/19/17 – Acct 1 Vanguard ACH for $251, Acct 2 Fideilty ACH for $251
6/22/17 – Both accounts, Cha ching $400
Will be moving funds out tomorrow. Thanks DoC and all DP suppliers.
Thanks, added DP
Josh, why do you say “had to open brokerage at Vanguard for spouse…”). Does that mean that it wouldn’t work doing a DD from YOUR brokerage account and that it would instead have to be a DD from a Vanguard account in her name? I’m asking for a friend who opened a Capone account for his wife but did the DD from his brokerage account with Vanguard to her Capone account but didn’t receive the bonus yesterday, like everyone else.
6/12 $20 Opened
6/15 2 $250 Employer DD
6/22 $400 bonus that afternoon
Same employer you just had the DD split to the same account?
I added the same account twice on my DD
Jenn – You’re the real MVP.
I never would have thought of that. I just split my paycheck 4 ways: 2 DD’s into my Cap1 and 2 into my SO’s.
I give up….
4/28- Opened account w/ $15 Fund from Debit Card
5/15 – 2x $300 transfer from Quorum FCU
6/1- $251 Employer DD
6/2- $1,000 Deposit from PayPal
6/8- $251 Employer DD
6/20- $251 ACH
6/20- $251 Santander push
6/22- $251 ACH
This was my SOs account, but this clearly isn’t going to work for us. I double checked the coupon code when the account was opened but I guess we will just have to call and see if it was applied, purely out of curiosity as I have since given up on bonus. Not targeted, do not live in targeted area. 🙁
What bank did you do the ACH from for 6/20 and 6/22? Fidelity and Goldman Sachs is known to work.
Local Credit Union, but did post as ACH.
Hey, I feel your pain. I’ve sent many an ACH and still haven’t triggered the bonus. I’ve got enough time left to do a GS push. My suggestion is to call and request the $100 bonus they’ve been giving to some people. It’s better than nothing. Hope this helps. Love in Christ.
Called today, CSR said this code was confirmed attached to the account and all requirements were met, he mentioned the code was supposed to be targeted but a lot of times system automatically adds the bonus. Wanted to press, but figure I will ride out the 90 days just to see if I get lucky.
Why would you call to ask about this when you know you weren’t targeted? Incredibly frustrating when people do things like this and raise red flags for everyone else. What are you expecting them to say? “We know this bonus wasn’t intended for you, but here’s $400 anyways.”
Another DP – Not targeted, not in Boston
Account opened Jun 1
DD from Citi, Chase, WF, Robinhood, Discover – One of these must have triggered it.
Bonus on 6/22
Was your discover transfer from a discover savings account or discover cashback deposit?
Discover Checking account
These are the transaction descriptions for the banks
Discover Bank P2p FirstName LastName
ROBINHOOD (CRFN) ACH
WELLS FARGO DDA TO DDA
JPMorgan Chase Ext Trnsfr
CITIBANK XFER P2P FirstName LastName
Robinhood, Wells Fargo and Chase do not list as P2P
Only Robinhood lists as ACH
Nice dp. I will try all five, haha.
DP from my dad…He deposited $250 two times from TD Ameritrade on 6/15. The $400 bonus hit his account on 6/22. He’s in CA, so not targeted as well.
DP – Not targeted, not in Boston
Based on DoC tweet, two accounts opened on 6/10 (for me and my spouse)
Two separate payroll direct deposits to each account on 6/15 (one for $250, one for $251)
Bonuses received on 6/22
Thanks!
Thanks for the DP, glad to hear this is still working.
If I skip the step of funding the account can i still get the bonus?
I wouldn’t risk it.
I can confirm that skipping still works.
Skipped funding, sent DD (employer), received bonus.
And of course you still need to put PLUS400 in the promo code field.
Interesting that Goldman Sachs posts as a “Payment”.
First one hit today. Second tomorrow. Hoping for the best 🙂
Opened early May. Approaching the 60 days and still haven’t received the bonus. Not targeted, not in Boston. First tried Alliant 2x $250, then tried BofA EDD (government benefits) transfer, then tried Schwab Brokerage. None have worked so far. I’m guessing that I may have screwed the pooch with the Schwab brokerage transfers because I didn’t realize you could initiate trial deposits from the checking account and then transfer straight from the Brokerage account. I mistakenly initiated trial deposits from both. So that may have something to do with why that didn’t work. Just opened GS Bank savings and I’m trying that now but not hopeful. Looks like I am just one of the unlucky ones.
Full disclosure, I am certain I entered the PLUS400. Was thinking about calling just to verify that that code was attached to my account, but I think that’s a bad idea at this point, considering the pretty obviously bonus-chasing activity the account has seen thus far. O well.
GS bank is known to trigger the bonus, so try and get that going ASAP. Fidelity also works. Alliant is known to not work, but Schwab worked for other commenters.
Zachek, you are not alone, I have thrown everything but the kitchen sink at CAP ONE as a $250 direct deposit but no bonus. For those like myself not in the Boston area it may simply be a matter of the wrong address, not the wrong type of transfer. Giving it a bit longer before shutting down the account.
What have you tried? Plenty aren’t in the Boston area and have received the bonus. Fidelity and GS Bank are known to work recently. My employer DD didn’t work FWIW.
Zachek what did your Schwab brokerage deposits post as? Electronic transfers or Deposits?
Doing a ACH transfer from my banks to try to trigger the bonus. should I Verify now by entering your other bank’s login and password or Verify in 2-3 days by receiving trial deposits?
verify instant is the preferred method based on DP’s.
“This offer cannot be combined with any other Capital One Bank® new account opening offer.”
Does that mean I can’t open a money market account as well or just with another checking offer?
I received bonus on MM a few months ago while already have CapOne credit card. Just received this bonus last week also. Never had CapOne checking before.
My Schwab Brokerage deposits are coding like this, does that mean it’s not going to work for me? Not really sure why it would code as transfer?
Transaction Type: Electronic transfer
Appears on statement as: Deposit from SCHWAB BROKERAGE MONEYLINK
Memo
MONEYLINK
Don’t know what to tell you… I just completed the two ACH deposits from Schwab this week. For me it says Transaction Type: Deposit. It seems we are both waiting now for a sign of success. Hopefully we will have some luck
I think I figured it out. Their new website is a work in progress and labels everything as “Electronic Transfer”. If you go to the old website format it correctly labels as “Deposit”. I compared the two websites side by side to verify.
How do you switch website formats again?
2nd this. How do you login to the old Capital One website because mine show as electronic transfer as well.
thank you tribeman55, i confirm your observation – the new website shows Electronic Transfer but the old portal labels as Deposit. Waiting on bonus.
Damn was hoping to wake up to see $400 in my account today.
It seems it happens in the afternoon. I’m waiting as well since my second DD hit this morning.
Actually looks like bonus are paid out on the last day of the month not on thursday for the last week of the month. Fingers crossed for tomorrow.
Crossing my fingers as well.
They’re actually a bit over the place. So far they’ve been just about every Thursday in June (8, 15, 22)
did anyone trigger the bonus past June 22? :/
I did not (not targeted and nowhere near area). Transfers of $254 from Discover Savings on 6/27 and 6/28 did not work yet (I realize it’s probably too early). They were coded P2P so I doubt those will work. I’ll keep trying with something else.
Pushed $250×2 from my personal TD Ameritrade checking account. Previous DP said that TD ameritrade caused bonus to post. My deposit coded as (type: deposit) and (info: ach out). Last ach received on 6/29 and still waiting for bonus to post. Will update if this works. Interestingly, TD Ameritrade used trial deposits.
This offer cannot be combined with any other Capital One Bank® new account opening offer.
Other DPs of people doing this and MM $200
DISC is not a method that definitely works. Mine (used DISC SAV, not the AAA DISC SAV) posted as P2P and did not trigger the bonus. So, YMMV.
So no bonus posted over last week?
I’m in facebook group that people have been posting in when they receive the bonus. No one posted last week.
Any more data points of Vanguard working for DD? I’m in the process of initiating 2 “sells” from my Vanguard brokerage to my new CO360 checking account. I don’t have a GS Bank account, but considering opening one just for this (since GS Bank seems to be a strong positive data point). Debating whether I want to go through the trouble yet of opening GS Bank if it’s not needed.
https://www.doctorofcredit.com/targeted-capital-one-400-checking-bonus/#comment-432680
Of course it didn’t capture right comment but scroll up to my comment on 6/22.
Thanks, what did it post as? Mine posted as “Vanguard Sell”. The details say the Transaction Type is “Deposit” and Info is “Investment”.
It did post as Vanguard Sell. I don’t recall the description but have no fear, you are golden. And now the wait…. 😉
Sweet, I just got the bonus:
6/22 Account opened
6/28 $300 Discover Savings ACH
6/29 $300 Discover Savings ACH
7/5 $300 Vanguard Brokerage transfer
7/6 $300 Vanguard Brokerage transfer
7/7 $400 bonus posted
I suspect it was the Vanguard transfer that triggered it. I’m surprised I got it today since the Vanguard amounts posted just the day before. I saw several people commenting that they were receiving their bonus today, so figured I might as well check. Sure enough it was there!
Oh yea, I forgot to mention that I was not targeted or anywhere near the targeted area.
The fine print says deal is valid until June 30. Can anyone verify if CapitalOne is extending the deal?
The account had to be opened by 6/30/17 and 2 direct deposits of at least $250 each had to be deposited within 60 days of opening the account.
As usual, I’ve held off too long… I’d still hope to grab this one…
So far I’ve tried Chase, Venmo, Serve, PayPal, Citi, Santander from 2 separate accounts. I’m trying Discover cashback now. but time is of the essence. What exactly is popmoney? Haven’t seen it referenced before.
Did Discover cashback bonus twice as a last resort, 62 days after opening the account. Chatting with the rep, he informed me that I was not targeted so would not be receiving the bonus. That said, this past Friday, i got the cha-ching.. wow that felt good 🙂
Discover Cashback didn’t work for me. These data points are so weird. Trying popmoney now
HSBC deposits code as P2P.
Had two employer deposits go in on June 30. Will update if I get the bonus. I’m hoping for a July 6th (first Thursday) payout!
I confirm HSBC doesn’t work. I just did a transfer from Vanguard, hoping it will work and I don’t have to wait for my next paycheck
Got the bonus today! Two employer DDs of 250. Opened account June 19. Not in targeted area.
I had two direct deposits post today (7/5/17) and am hoping to get the bonus. I’m worried because I absolutely didn’t see anywhere I could enter in the promo code; however, I signed up through a direct link so maybe that changes something? Hoping it doesn’t disqualify me, as I really want to ditch my old bank and I jumped through a lot of hoops to change my direct deposit info. Fingers crossed. Incidentally, I’m in the Boston area.
Without entering the code you are SOL. Living in the Boston area might be the only thing that saves you since that is the targeted area. You will need to call them.
Thanks. I just called them. They couldn’t (wouldn’t?) tell me if the promo was linked to my account or not but said that if it didn’t post after 90 days, they would manually add it if I called back. Not sure I believe them. The rep also made a snarky comment about “not knowing how far my town was from Boston…” (hint: it’s a 5 minute drive). Hmmm…
Not targeted and going for it. Deciding what to try for DD. Has Wells Fargo worked for anyone?
360 statement after opening and adding to WF transfer accounts:
Opening deposit
Transaction Type: Electronic transfer
Appears on statement as: Deposit from WELLS FARGO BANK checking account XXXXXXXXXXXXX
2 trial deposits from WF:
Transaction Type: Electronic transfer
Appears on statement as: Deposit from WELLS FARGO TRIAL DEP
Memo
TRIAL DEP
Trial deposit back to WF (they combined the 2 into 1):
Transaction Type: Electronic transfer
Appears on statement as: Withdrawal from WELLS FARGO TRIAL DEP
Memo
TRIAL DEP
This expired on June 30th, when did you apply?
Applied and opened last week before the 30th.
Wells Fargo does not work. If I were you, and I had enough time left, I’d open an online Goldman Sachs savings account and do an ACH push from that. BTW, Doc is right, the offer expired on 06/30/17. Hope this helps. Love in Christ.
Seems no one reporting bonus posted this week either.
My money market bonus hasn’t posted either. Wonder if something is up.
No $400 bonus yet, and I’m out of the Boston area anyway and may have never received it. A suggestion to those of you in my situation: simply take your money out of this account but leave the account open. There are no minimum balance fees or hoops to jump through to waive a fee. Technically CAPITAL ONE has 90 days to pay you the bonus (although they tend to pay bonuses much morevquickly). Many of us with patience might eventually be pleasantly surprised.
Yah, just did the same thing. Am thinking CapOne caught on during the last part of June and this deal died an ignomininous death… oh well
The 200GROW bonus hasn’t posted either and that was open to everyone. Maybe their system is just slow right now?
I wouldn’t get discouraged yet. The end of the quarter and the 4th holiday probably slowed things down. The bonus posting doesn’t seem fully automated. I would guess someone has to pull info of all accounts that have a certain ACH code and manually push a few buttons to make the bonus post. That person(s) could be on vacation or busy with other things. Of course they could have killed the bonus or forced a more thorough review of accounts but this isn’t necessarily so.
I say this isn’t automated because the bonuses have been posting in the afternoon. Bank systems generally update overnight so if it was fully automated you would see the bonus pending in your account first thing in the morning.
Thats what im thinking as long as no one has received their bonus after 6/22 we still have a chance.
Not in the targeted area.
Account opened June 19
First DD from Employer – June 30
Second direct deposit – July 7
I am wondering should I call them about bonus or wait a few days?
Definitely wait. They have 90 days from eligibility date to pay, and technically since you’re not targeted, you’re never going to be eligible anyway– which doesn’t, of course, mean you won’t get the bonus.
But there’s certainly no reason to draw unwanted attention to your account yet, especially since you’re not targeted.
(and just to clarify my post above, wait way more than a few days– I’d give it at LEAST a month [since they have 3 months to pay], given that you used real DD and can therefore rule out DD source as a problem)
A few people here didn’t receive the bonus despite two legit employer DDs.
And what do you know? The bonus hit this afternoon. I’m in NC so wasn’t targeted. I used legit employer DD because we can change them ourselves. Opened an account for the kid and am doing two direct deposits next week because why wait?
Opened account a few weeks ago – early june. 2 legit DD in 6/30.
Bonus posted today. Not targeted, love I’m NJ.
Just got notification of the $400 deposit. Not targeted, 2x 250.01 Schwab.
Also just got the bonus. Not targeted. Used a handful of direct deposits, but pretty sure it was the TD Ameritrade 2×250 that triggered the bonus. Wife also is shooting for same bonus. She used PNC, Santander, and Discover Savings but no bonus triggered. Time to open another TD ameritrade checking account!
Just got bonus, too. Not in targeted area. DD’s included 1 payroll $250 and two Schwab $250 ACH.
Cha-ching!! Bonus just posted on SO’s account. Not targeted and not anywhere near Boston.
Can confirm the pattern that this bonus posts in the afternoon? So like somebody was saying in the previous threads, there is a high possibility that a manual interaction happens like clicking a button and its not automatic on a specific day of the week.
Cha-Ching! See? Told you to hang in there. It’s an individual decision, but I’m keeping the account open now indefinitely. The ability to ACH pull up to the $250K max is a big plus (many banks limit to as small as $2K per day and a small monthly limit as well). BTW the 360 MM SAV was raised a bit to 1.1% now, not the best payout currently but OK for temporary purposes and works well with this checking account.
6/19 – Opened account
6/20 – Pushed two DDs from Schwab brokerage
7/7 – Bonus received
Not targeted, not in Boston area
both wife and I received bonus today after doing two Vanguard sells from our Roth IRA’s. both were deposited to Cap One on 6/28 and 7/3.
“Cha-Ching! New Account Bonus”
Yay!
Some info:
– Not Targeted.
– Located in California
– I have a Capital One Credit Card (Quicksilver, have had it a little over a year now)
– 6/16: Venmo Deposit ($250+ x 2)
– 6/22: Discover Deposit, Checking ($250 x 2)
– 7/6: Real Employer DD ($250+ x 1)
– 7/7: Bonus Posted!
Other notes: I’ve been using the account quite a bit, doing some billpays, using the debit card, and some ach pulls.
Hang in there!
Thanks for the dp. Looks like venmo triggered the bonus. I also tried dd from discover checking but it didn’t work.
When you added Cap1 as an external acct. in Discover, was it automatically verified or initiated trial deposits? I just noticed your venmo dd was on 06/16 but you didn’t received bonus on 06/22. So I guess Discover triggered the bonus for you, not for me.
I did it from Discover’s side and did the 2 trial deposits.
Yeah, I don’t think it was Venmo either. Some people received their bonus on 6/16 too, but I shrugged it off because maybe if it posts on the same day, it wouldn’t trigger the bonus. But, 6/22 came around and still no bonus. (Again, Discover posted on the bonus date too).
So, it’s gotta be the discover checking push.
What’s the description of your Discover dd? p2p or moneylink? When I did it from Discover side (no trial deposit, just automatically verified), it showed “Discover P2P firstname lastname”. Thanks Tim.
Yeah, no problem!
I don’t think the automatic/manual makes a difference (as long as we don’t initiate the transfer from Cap One.
When I click on the deposit,
the big red word reads: “Discover Bank P2p [MY NAME]”
Posted Date:
Thursday, June 22, 2017
Transaction #:
[##]
Transaction Type:
Deposit
Info:
P2p
Appears on your statement as:
Deposit from DISCOVER BANK P2P [MY NAME]
My Discover dd was posted on 06/30. The descriptions were exactly same as yours. Looks like I have to use other options. Not sure why Discover is ymmv.
Received $400 for checking and $200 for money market! Did 2 Schwab for $250 each.
Schwab checking or Schwab brokerage?
Woohoo!
Got the $400 around 1pm MT today, 7/7. Not targeted (live in Colorado).
Timeline:
6/12 : $5 Opening deposit
6/19 : Push from TD Ameritrade for $252
6/21 : Withdrew (push from CO360) $257 to a different bank
6/26 : Push from TD Ameritrade for $255
6/28 : Withdrew (push from CO360) $251 to a different bank
7/7 : $400 bonus posted
I only included the withdrawals above to indicate that you don’t need to keep the money in there, just need the two $250+ credits.
Also, as a side note, I did also get the $200 CO360 Money Market bonus back in March. Haven’t used or closed the account really since then.
I used Google Wallet and have not yet received my bonus. Anyone else in the same boat?
Another positive DP!
Opened account 6/13
6/23 Two DD for $250 from payroll
6/30 Another DD for $250 from payroll just in case
7/7 Bonus posted
Do not live in target area
I did my Payroll ACH before 6/30 and today I did not get the bonus. Do not live anywhere near Boston.
Some people have had their employer DD not work. Try a known bank like Fidelity, Goldman Sachs, etc that’s known to work. I think Schwab also works. Read through some of the bonus DPs recently.
One more positive DP:
Opened on 6/19. Two Vanguard brokerage deposits on 6/30 and 7/3. Bonus hit 7/7. I live in the Boston metro area but was not targeted.
Yeah. Don’t have fidelity or Schwab. Need to look into them. I still have 6 weeks left to meet the requirement. Hoping for the best.
Hey, I got the bonus today! I tried Key , Huntington, PNC, Chase, Bluebird, 5/3rd, and PayPal. I opened a G.S. online savings and pushed two $250 deposits. That was my last move and last chance. It did it! I hope this helps. Love in Christ. BTW, not targeted, live in MI.
Did you have to do trial deposits from GS? Mine did not verify electronically.
Trial deposits are irrelevant. I used Vanguard w/ TDs and it worked fine. But word is GS is def one of the other accounts that works.
Was the GS Bank application a hard or soft pull?
I am interested in this answer also, whether Goldman is HP or SP!
Opened the account on June 26 and did 2 deposits from GSBank for 250 each on June 29.
Today, July 7, Capital One posted a Cha Ching 400 bonus.
Did NOT receive an email invitation to apply.
Another DP:
6/13 Opened account
6/27 1st ACH from Fidelity for $250 (was able to link Fidelity *only* after initial funding deposit from Ally posted)
7/3 2nd ACH from Fidelity for $250
7/7 Bonus posted (Cha-ching, indeed)
Do not live in target area
Fidelity Cash Management account or Fidelity Brokerage? Thanks
Did 2 real DD’s and got the bonus. Was not targeted, but I applied using a Boston address because I wanted a higher chance of getting it.
Did 2 GS Bank DDs in late June. Used code PLUS400. DDs coded as Transfers. $400 posted today! Not targeted, live in DC Metro.
Two deposits from Fidelity, account in Michigan, received $400 bonus today.
Not that it matters since the deal is gone, but I did get this bonus without being targeted. 2 real DDs, bonus posted day after second one.
Schwab brokerage pushes even with trial deposits initiated from brokerage account count as DD.
6/20: 2x Schwab Trial Dep from Brokerage account
6/27: ACH push from Schwab brokerage posts
6/30: ACH push from Schwab brokerage posts
7/7: Cha-ching!
Well, this certainly makes up for the boning US Bank gave me & the M&T application rejection huhu
Also got the $400 today along with you guys, defnitely not targeted as I don’t get targeted for anything ever, used Schwab brokerage 28/29 June $250 ACH’s… also changed my address from my overseas military FPO to my defunct FL a few days after I opened the account, don’t know if that made a difference or not (was just worried that FPO AP wouldn’t trigger it)
Thanks DOC for bringing YMMV to our attention 🙂
Account Opened June 19th
First direct deposit – June 30th
Second direct deposit – July 7th
Bonus Posted – July 7th
Thank You DOC.. This is awesome
DP use Schwab brokerage pushes as DD twice
Bothe my parents and my wife got 3 times 400 bonus today..
I am in CA not in the target area. never get any mail and email for my whole family
And had money market saving got 200 bonus 1 months ago…This is the fastest bonus posted bank ever. I will stay with Capital one later..
Account Opened June 19th
First direct deposit (Schwab Checking) – June 24th
Second direct deposit (Schwab Checking) – June 26th
Still no bonus as of today.
Has anyone that has received the bonus pushed from Schwab checking? It looks like most have used the brokerage account, and I am wondering if I need to re-send my deposits from the brokerage account.
Schwab Checking does not work. You need to use the brokerage account or setup a GSBank account and push from there.
Positive data point for getting the bonus without being targeted.
– I was not targeted and do not live in the eligible area.
– I already had a CapOne 360 Money Market account, and had gotten the $200 bonus here a few months ago: https://www.doctorofcredit.com/capital-one-360-200-money-market-bonus-publicly-available-1-apy-requires-10000-deposited/
– I have never had a checking account with CapOne, or any of the acquired banks mentioned in the comments here.
– Account opened on 13 June.
– Two employer direct deposits posted, both on 1 July, both $250.
– $400 bonus posted on 7 July.
DP
6/15 open account
6/20
6/25 DD from schwab brokerage
7/7 bonus posted
Not targeted or in the area and already have a cap360 saving
These are almost the exact same dates as me, also used schwab brokerage, also not targeted or in the area, also already had a savings account.
Thanks to DoC and the community input (so many data points!), I am now $400 richer. That makes over $4k between my wife and I this year so far! Cha-ching!
Can anybody please tell me if they have received a debit card for this account?
I opened the account on 6/19 and got bonus yesterday but I have not received anything in mail from capital one? Do you get a debit card for this account?
Also should I keep this account open or should I close it?
My family member did receive the debit card. We plan to keep the account as it has no fees, friendly customer support and can be used as hub account for other transfers.
Yes, received the debit card within about 4 days of opening. It comes via Fedex.
Thank you so much for this comment! I got a mysterious Fedex notice one day when I got home, and before they could re-deliver, they lost it! I’ve been worried that it’s some kind of legal notice or a notification of something terrible, but I just realized I opened my Cap360 account two days before the Fedex package notice came. Gonna call the bank now, since it was probably the debit card. Thank you for the peace of mind!
DP:
6/14/2017 opened online. i live in idaho and was not targeted
6/21/17 i recieved 2 popmoney xfers of 251 from my citi bank acct
7/7/17 400 bonus posted
DP for my spouses acct:
6/14/2017 opened online. i live in idaho and was not targeted
6/20/17 i received 2 discover ACH (not cash back redemption)
no bonus yet.
so it looks like popmoney from citi will work, discover ach might not work. when i did popmoney, i chose the deposit directly into bank acct option rather than send thru email option.
When you added Cap1 as an external account on Discover side, was it automatically verified or initiated trial deposits?
discover had me do trial deposits to be able to do the ach to cap1 360
the citi pop money did not require any trial deposits
Thanks for the dp. Will try popmoney next week.
My popmoney transfers posted 07/11 but no bonus received (maybe due to on the same day bonus posted). I noticed yours were posted on 06/21 and didn’t triggered 06/22 bonus.
I’m also trying Fidelity which seems to be 100% success rate.
update for my spouses account:
6/14/2017 opened online. i live in idaho and was not targeted
6/20/17 i received 2 discover ACH
7/7/17 1 real employer DD
7/12/17 i recieved 2 popmoney xfers of 251 from my citi checking account
7/20/17 bonus posted
so it looks like popmoney xfer is what triggered the bonus for me again. discover ach is definietely YMMV since it seems it definitely did not work for me.
Discover ACH worked for me (unless Venmo was the one that triggered it; Did venmo 2 weeks before 6/22)
– 6/22: Discover Deposit, Checking ($250 x 2)
7/7 – bonus posted
So it may be YMMV
DP – Santander ACH does not work. See below timeline:
5/10 – Opened online
5/12 – $250 Santander ACH
5/15 – $250 Santander ACH
6/9 – $250 real employer dd
6/23 – $250 real employer dd
7/7 – $250 real employer dd
7/7 – “Cha-Ching! New Account Bonus”
I live in NYC.
Thanks, added.
DP
6/15 open account
6/23 real DD from job ($250)
7/7 real DD from job ($250)
7/7 bonus posted – cha ching!
Not targeted or in the area
Unsure whether anyone else has posted this yet, but as an FYI, if your HR tool at work allows you to allocate multiple DDs, you can probably add the same account with multiple nicknames and have 2 DDs slated on the same payday. Our tool allows up to 8 accounts per pay period, so I had “Cap1” and “Cap1 Same” with the same acct and routing numbers.
My timeline:
6/25 – opened account
6/30 – 2 $250 DDs set up for the same pay period
7/7 – “Cha Ching” – $400 hit
Another Vanguard DP. Sent 2 $250 tx from brokerage acct. Bonus 2 days later.
Thanks, added DP!
I just signed up to vanguard to do DP. I don’t see a transfer thing anywhere on he app, do I just “sell vanguard funds” to the cap 1 account?
06/20 Account Opened
06/23 Employer DD ($250)
07/07 Employer DD ($250)
07/11 Cha-Ching Bonus Posted!
I was not targeted or live in the area. I am from NJ. Thank you everyone for the data points and thank you DoC!
6/28 opened
7/5 Fidelity DD #1 ($251)
7/7 Fidelity DD #2 ($251)
7/11 $400 bonus posted
Not targeted, not in Boston. Great work everyone, thanks!!
Fidelity DD was from a cash management acct or brokerage?
MONEY!!!!
6/8 – Open Account
7/7 – Schwab Brokerage + $300
7/7 – Schwab Brokerage + $300
7/11 – $400 Bonus Posted
NOT targeted. Thanks DOC!!!
Got my $400 Cha-Ching bonus yesterday!
Not targeted, from California.
Also, I had a previous Orange account.
Oooh that’s interesting. Was it orange checking?
It was a savings account.
Are there many people that used the promo code, received 2 employer DD’s and never got the bonus?
Me me me! I opened back in June 10ish…
1 DD on 6/16
2 DD on 6/30
and today is 7/17 and still nothing…
I did and didn’t receive the bonus till I sent two Fidelity transfers.
Me.
6/14 Acct. Opened
6/22 $250 Employer DD
7/07 $250 Employer DD
today is 7/18 and I’m still checking everyday but slowly giving up hope.
Might give customer service a call… figure I don’t have much to lose now.
Yes but other people do.
Me too.
06/13 – Opened
06/30 – 1st Employer DD
07/14 – 2nd Employer DD
Hopefully bonus posts this week. In may, bonus posted on 15th and 31st. In June there was a pattern – Thursdays (8, 15 and 22), but in July it’s been on 7 & 11. Doesn’t really make sense
Bonus just posted!
I got the $400 Capital One bonus. I don’t need the account. Does anyone know if closing it before a minimum number of days results in a clawback?
This info is found at the top of each bank account bonus post. For example for this account:
Early account termination fee: None
Thanks!
I opened up this account for me and my wife on 6/28 (not targeted; we are in CA).
On 7/6, I made two $251 transfers to both account from my Ally account.
On 7/9, I made two $251 transfer from my Golden 1 CU account
$400 was posted to my account, but I am still waiting for the bonus on my wife’s account even though it followed the same timeline as my account. Do you think calling them would help?
Calling is not a good idea, it just draws attention to your account and keep in mind you’re not supposed to be eligible.
You are right. I will get my wife’s paycheck directed to this account and see if that works. Keeping my fingers crossed.
When did you get your $400 bonus? Was it on 7/7 or 7/11?
The bonus was posted to my account on 7/11. Still waiting for it to show up on my wife’s.
6-15-17 Opened account
6-22-17 Deposit from Discover Cashback Checking
6-23-17 Deposit from Discover cashback Checking
6-26-17 Deposit from Chase Checking
6-27-17 Deposit from Chase Checking
7-12-17 Deposit from GS Savings
7-13-17 Deposit from GS Savings
7-20-17 $400 Bonus deposited
Looks like Discover isn’t reliable anymore and GS is.
6/15 – Open Account
7/3 – 1st Employer DD
7/14 – 2nd Employer DD
7/20 – Cha-Ching! $400 Bonus Posted!!
NOT targeted. Thanks DoC!!!!!!
Not targeted, opened account with NY address.
6/13 – opened account
6/30 – 1st employer DD $251
7/14 – 2nd employer DD $251
7/20 – bonus posted
Thanks for everyone who had the courage to open their accounts early and provide DPs
DP:
6/14: Account opened. Not targeted. Not in Boston.
6/28: 2 WF ACH of 250+ posted.
6/29: 2 Discover Checking ACH of 250+ posted.
7/11: 2 Popmoney ACH of 250+ posted.
7/18: 2 Fidelity ACH of 250+ posted.
7/20: 400 bonus posted.
06/13 – Opened
06/30 – 1st Employer DD
07/14 – 2nd Employer DD
07/20 – Bonus posted.
Not targeted, lives in MN!
Thanks Will!
6/14 – Open Account
6/27– Discover Savings Transfer
6/28 – Discover Savings Transfer
No bonus
7/11– Goldman Sachs Transfer
7/12 – Goldman Sachs Transfer
7/20 – Cha-Ching! $400 Bonus Posted!!
Not targeted. Thanks Doc!
What did your transaction show up as on the CapOne site? Mine’s showing up as Ge Capital Bank P2p LastName,First2 with Transaction Type: Deposit and Info: P2p for some reason, which doesn’t seem to be what some (e.g. https://www.doctorofcredit.com/targeted-capital-one-400-checking-bonus/#comment-425562) have said theirs shows up as. Will I not get the bonus? 😐
(Just to confirm, yes, pushed from GS Bank savings account)
My transaction showed up like yours too. Pushed $10,000.01 from GS Bank Savings. Posted today, fingers crossed
Mine didn’t hit with the 8/01 batches =\ did yours?
Mine showed “Goldman Sachs Ba Deposit xxxxxxxxxxxxxxxx”. I wouldn’t lose heart till you see the next round of Cha Chings and yours isn’t with them. Hopefully you can try something else if that’s the case.
Bonus just posted today 7/20
Account Opened 6/19
Employer DDs 6/30 and 7/14
Not targeted.
Cha-Ching DP:
Opened 6/12
Employer DD 6/30
Fidelity brokerage xfer 7/10
Bonus posted 7/20
6/14 – Open account
6/28 – Discover Checking Transfer
6/29 – Discover Checking Transfer
No Bonus
7/11 – Pop Money Transfer
7/11 – Pop Money Transfer
7/14 – Employer DD
7/14 – Employer DD
7/30 – Bonus posted!
Not targeted, and I don’t know if it’s Pop Money or employer DD that did it.
06/17 Opened Account
07/13 Discover Checking ACH 1
07/14 Discover Checking ACH 2
07/20 $400 Posited
Thanks!
6/18 open account for daughter
7/13 DD 1 and 2 from MY paycheck because she’s an actress and college student so not enough money to DD on her own
7/20 Bonus posted
I have an NC address and therefore wasn’t targeted.
6/11 – Opened account
6/15 – Stripe Deposit #1
6/22 – Stripe Deposit #2
No bonus
7/18 – Schwab Brokerage #1
7/19 – Schwab Brokerage #2
7/20 – Cha-Ching! Bonus posted 🙂
Not targeted. Thank you DoC!!!
Thanks, added dp.
Did you Schwab Brokerage transfers involve trial deposits?
Yes!
DP: In boston. Targeted.
Jun 17: Opened account
Jun 28: Pop Money deposit 1 251
July 07: Pop Money deposit 2 250
No Bonus
July 10: Fidelity deposit 250
July 13: Fidelity deposit 251
July 20: ChaChing! 400 Bonus posted
Spouse:
May 26: Opened account
Jun 05: Discover Savings deposit 1 250
Jun 06: Discover Savings deposit 2 250
No Bonus
Jun 14: Reimbursement (Ysa Reimb) account deposit 1 250+
Jun 16: Reimbursement account deposit 2 250+
No Bonus
July 18: GS Bank Savings transfer 251
July 20: GS Bank Savings transfer 251
No bonus
6/15: Account opened
6/30: DD #1 from employer
7/14: DD #2 from employer
7/20: $400 Bonus posted
Not targeted, not from Boston either
06/16 Opened Account
07/03 Employer DD
07/17 Employer DD
07/20 $400 Posited
Not Targeted, California Resident. Thanks
Not targeted area
Opened 6/21/17
$250 Discover savings X 2
$250 Wells Fargo X 2
$250 GS savings only X 1 and bonus posted next day. ( 7/20/17 )
Hard to say which one worked.
Do you just have a regular wellsfargo checking account? I’m also thinking about trying to use my wellsfargo account for the $300 capital one bonus. I’m assuming you just linked your capital one account and did the transfers from the wellsfargo site? Also, what did it show up as on capital one?
yep, regular wells fargo checking from earlier this year.
Yes, go into Wells Fargo and put in the capital one information. It does the trial deposits. After linking I sent 2, $250 transfers same day (not sure it matters).
Coded as “Dda to Dda” and said Wells Fargo Ifi in the subject.
The Discover Bank one said “P2P” and Discover Bank in the subject so dont think it was discover that triggered it. Goldman sachs only had 1 transfer done before the bonus hit, so dont think this would have triggered it.
Appreciate the fast response! I will go ahead and try that and update the other bonus page with a DP as well.
In NYC
6/22: Opened Account
6/30: First DD from Employer
7/15: Second DD from Employer
7/20: $400!!!!! Received it around night time.
6/15: Account opened
6/30: DD #1 from employer
7/14: DD #2 from employer
7/20: $400 Bonus posted
Not targeted, live in MN
6/19 – account opened.
6/29 – fidelity transfer
6/30 – first dd from employer
7/14 – fidelity transfer
7/14 -2nd dd from employer
7/20 -cha-ching !!!!
IN NY:
6/22: Opened Account
7/6: First DD
7/20: Second DD
7/20: $400
Not targeted, Ohio Resident
6/30: Opened Account
7/18: Vanguard Transfer
7/18: Vanguard Transfer
7/20: Cha-Ching New Account Bonus $400.00
Hey, I’ve never used vanguard before, and opened an account for this. Do you have to do the “transfer funds” thing or “sell vanguard funds”?
Not targeted, FL Resident, Never had an account with CapOne
6/22: Opened
6/30: DD from Employer
7/14: DD from employer
7/20: Received $400 new account bonus
@Abacuswars
Not Targeted. MI Resident.
5/16 : Opened
06/30: Direct Deposit
07/14: Direct Deposit
7/20: Cha-Ching!
Would a transfer from a capital one investment into this account trigger the bonus?
Not targeted area
Opened 6/25/17
6/30 & 7/10 = $250 From Fifth Third Checking
7/20 = $400 Posted
did your deposits on the CapOne side show as P2P? Thanks!!
Opened last week of June. $250 x 2 from GS savings. Bonus posted a few days later on 7/20.
Not targeted . Opened June 17th. 2 +$250 from GS savings. No bonus yet.
when did your GS transfer hit 360?
I’m shocked there are no data points from PayPal. Has anyone had success?
Tried Paypal but no bonus.
Anyone have any bonus money hit yesterday 7/27?
I am also waiting on mine. Thought it would be deposited on 07/27 but nothing yet.
No bonus today as of this afternoon.
Fingers crossed, hoping that the bonus would hit this week.
Cha Ching! Bonus posted for me today
Bonus hit today. Not targeted. Push from Vanguard Brokerage and Schwab Brokerage. Unsure which one did it.
Bonus Posted Today! Not targeted. 2 + $250 push form Vanguard Brokerage
Cha Ching!
June 12 account opened
June 30 employer DD #1 – $251
Aug 1st employer DD #2 – $251
August 1st $400 Bonus posted
Score
July 12 – transfer from Capital One Investing Account
July 31 – DD from employer
August 1 – cha ching!!
I was not targeted and do not live in MA.
I am super excited, this is the first bank bonus I ever attempted!
6/14 opened account
7/15, 7/31 two DD from employer
8/1 cha ching!
not targeted. applied through the link found here.
Best bank bonus in a while! Thanks DoC!
7/14 Trial deposits from Schwab brokerage
7/20 $250 push from Schwab
7/21 $250 push from Schwab
8/1 Cha ching, bonus deposited
Not targeted, don’t live in MA. Also, I previously received this same bonus and this was for my wife, so not limited to one per household. Thanks Doc!
Woohoo!!!
2 Fidelity CMA pushes for $250+ on July 11, 24 and bonus came Aug 1. Not targeted, just used the promo code from this post. Thanks DoC.
6/12: Account opened
7/14: DD #1 from employer
7/31: DD #2 from employer
8/1: $400 Bonus posted
Not targeted, not from Boston (live in Florida).
Thank you DoC!!
Reply
Update….. In Illinois and not targeted.
June 12 account opened
July 07 employer DD #1 – $255
July 21 employer DD #2 – $255
Cha Ching! $400 Bonus posted on 08/01
Cha-Ching posted. was not targeted.. so happy that I gave this a shot…
Does anyone know if there is a “grace period” for the bonus?
I opened my account on June 12 and my ACH deposits don’t appear to have counted.
I’m going to do Vanguard Brokerage transfers, but they have a 7 day wait to verify the bank and exchange.
Worried that I might end up cutting it very close or just missing the deadline.
Thanks
The terms are the terms, and the bank has to follow them just as you do. I’ve never seen any grace period in bank bonuses like I have for credit card bonuses. For example Citi will usually add 7 days to the bonus time frame for time to receive the card.
There was a DP from one of the other articles (actually, it might be on this one) where someone said that you can call Vanguard after you verify the deposits and have that 7-10 day wait expedited.
Not Targeted.
8/01 Bonus $400 posted
Did two Schwab Brokerage transfers last month.
Sweet!
Not in Boston, not targeted.
Account Opened 6/13
DD 7/07
DD 7/21
Bonus $400 8/1
Thanks!
Anyone have a photo of the mailer?
Was just told I could send them a photo and they would apply to my account.
This bonus is giving me a lot of trouble.
I did the MMA $200 bonus in March and then closed the account.
Opened checking bonus 7/14
2 deposits from Discover by 7/21
2 deposits from Fifth3rd by 8/4
No bonus posted yet. I’m going to give it a few more days and then try Vanguard, after that I give up.
Got the bonus today after 2 DD through paycheck. Not targeted, live in CA.
Can you give the DD dates, Jay? I got DD on Jul 21 and Aug 4 and have not received the bonus :\
7/21 and 8/7. Bonus posted on 8/8.
Your DDs were made through the paycheck?
Yeah they are legit direct deposits from my employer. Damn looks like I didn’t get the bonus :'( I guess I’ll wait another 2 weeks and then see about begging cap1 to give me something
Opened 6/20
Pushed deposit from another bank 7/10
Pushed deposit from another bank 7/14
No Bonus
Employer DD 7/21
Employed DD 8/4
Bonus Posted 8/8
Cha-ching! Thanks, DoC!
Forgot to add – not in Boston, not targeted
DP:
6/19: Opened account
6/29: Received push from Discover
7/6: Received push from Discover
8/4: Received employer direct deposit
8/8: Bonus posted
Not in Boston not targeted.
Since I haven’t received 2 employer DD (next one is still a week away), it seems that Discover works. It’s Discover Checking and I had to complete trial deposits.
Guessing my employer DD didn’t count as a direct deposit which is weird and sad.