Posted by William Charles on February 21, 2017
Bank Account Bonuses

Published on February 21st, 2017 | by William Charles

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[YMMV] Capital One 360 $200 Nationwide Checking Bonus

This offer is targeted, but there’s at least one conflicting DP which indicates that it may not be targeted (conflicting information from customer service representatives is nothing new; the majority of DPs indicate it is targeted). You should be able to call 1-888-464-0727 (press 2) to check if you are targeted. A customer service representative may also be able to pull up different offers for you. Even people that weren’t targeted for the last $200 bonus have stated they received the bonus anyway (this wasn’t the case with a previous $400 offer so YMMV).

Offer at a glance

The Offer

Direct link to offer

  • Open a new Capital One 360 checking account with the promotional code PLUS200 and receive a bonus of $200 when you complete the following requirements:
    • Receive two direct deposits of $250 or more within 60 days of account opening

capital one 360

 

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 January 9, 2017, to earn the $200 bonus you must accept the terms on a new 360 Checking® Account by March 31, 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 $200 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.

Avoiding Fees

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

Our Verdict

There has been targeted offers of $400 and this bonus is once per lifetime so it might be worth waiting for a better targeted offer but no guarantees it comes along. Personally I wouldn’t sign up for this bonus unless I was targeted, but it does seem to be working for some people that weren’t targeted (as always this is very YMMV). Because of this I won’t be adding it to our best checking account bonus. Keep in mind there is a similar offer of $200 for their money market account as well.

Big thanks to reader, Curmudgeon who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

 



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Arneal
Arneal

“Direct deposit required: No”

In bold right at the top.

“…receive 2 direct deposits of $250…”

Yeah, this post is fine…

Curmudgeon
Curmudgeon

The CapOne promo that just ended had the option to do mobile deposits or ATM transactions in lieu of direct deposits. I’m guessing DoC used that offer as a template for this write up.

DJ
DJ

Wow, was this really necessary, troll?

However, I am actually thankful for this comment. It made me realize that I owe both Chuck & William a long overdue “thank you”. This blog is one of the most useful ones on the topic of personal finance – I am sure William and Chuck spend quite a significant share of their time to ensure all of us readers can make some pocket money at the expense of financial institutions. I definitely appreciate their efforts and happy to support them whenever there are ways to do so.

Arneal
Arneal

Wow, was that really necessary, calling me a troll?

I apologized up above.

Don’t just assume that I’m being a troll. I was pointing out a legitimate discrepancy. But instead of saying something constructive, you took the jerk ass route and chose to just call me a troll.

DJ
DJ

Your apology came 2 days after my comment – not sure why it would make any difference. At the same time, you are right – “troll” is probably not the best choice of words. “Condescending”, “entitled”, “ungrateful” – those would fit better for this specific (key word) situation.

You over-reacted, I over-reacted – I moved on. Suggest you to do the same

Chris
Chris

And here is again the result of my slight playing with the link 🙂 These banks make it too easy…
So, if you are gonna try it try this one for $400:
https://www.capitalone.com/bonus400/

Greg N
Greg N

All the language in the ad seems like they are targeting it to Massachusetts or Boston residents.

Chris
Chris

I see what’s your point. Same with the $200 page.

yussuf
yussuf

Nice? Can we have data points on this? has this link proved effective?

Paul k
Paul k

If you did the Capital One 360 MM $100 bonus a few months ago, would you be eligible for this since it’s for Checking ?

Dave P
Dave P

Doc – your post says:
Additional requirements: Make either 4 ATM deposits or withdrawals or debit card transactions OR make 2 mobile check deposits within the first 60 days.

But the website says:
Beginning January 9, 2017, to earn the $200 bonus you must accept the terms on a new 360 Checking® Account by March 31, 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 $200 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.

No mention of making ATM/Debit transactions rather than direct deposits. Think you need to update your post on this one. Thanks.

JP
JP

Isn’t cap one 360 bonus once per lifetime?

Cal
Cal

Yeah, and both this and the previous $400 seem targeted to Boston residents, so I’m going to pass.

onsale
onsale

How does one go about getting on a list to be “targeted” for these offers?

JC
JC

Unsure. Three (3) possibilities:

1. Opt-in offers at https://www.optoutprescreen.com
2. Complete CapOne pre-qualified form (in order for you to be in their “targeted pool”) at https://findmycard.capitalone.com and/or
3. Add email at https://apply.capitalone.com in which afterwards you might receive email offers.

Jack
Jack

This is fake. Capital One will let you sign up with the code, but then not offer you the bonus. Company is a total scam for this

Cole
Cole

I recieved a mailer today…

slightly different. same terms.. different url:
https://www.capitalone.com/200reimagine/
but the same EXP200 code.

Curmudgeon
Curmudgeon

I have no reason to believe I was targeted for this promo.

2/27/17: open account with $10,100
3/07/17: ACH funds back to my checking account
3/08/17: Cha-Ching! CashPromotion $200 paid

Thanks DoC!

James
James

Are you in MA or out of state?

Curmudgeon
Curmudgeon

I’m many hundreds of miles away from MA.

Curmudgeon
Curmudgeon

I just realized the DP I posted was for the money market bonus. I also did the checking 360 account bonus under a different promo code and got the bonus for it too. Sorry if I confused anyone.

James
James

Anyone that wasn’t targeted actually get a bonus from this?

Mike
Mike

I just signed up for the $400 checking account bonus promo. So if I have a WF account linked (from the previous $200 MM promo), I could just do (2) $250 transfers from that WF account into this checking account? And that should count as my (2) direct deposits, correct? I was not targeted, but sounds like they are giving the bonus to those that were not targeted. When do you receive the bonus?

Jeff Giesen
Jeff Giesen

I just signed up, not targeted, will report back if it works.

Also am actually going to do DD via payroll, the data points for what counts as DD are not in my favor.

Jeff G
Jeff G

Any updates, Mike?

Vin
Vin

Anybody know what counts as DD for Cap One 360? I know what’s listed as DPs but wanted some updated info. Has anyone tried WF or USAA with 360 yet? Does it count as Dd? How about Santander?

Great website. Thank you:)

Patrick
Patrick

4/10 – initial deposit of 975
4/12 – 4,999 deposit
4/13 – 5,000 deposit
4/18 – $200 bonus posted.

JC
JC

Thanks for the info. Were thy work DD or ACH from a bank?

benzema
benzema

for the capital one 360 does anobody know is paypal counts as direct deposit?

Evan DiMaggio
Evan DiMaggio

Does anyone know if transfer from ING Sharebuilder counts as deposit?

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