Posted by William Charles on June 12, 2017
Bank Account Bonuses

Published on June 12th, 2017 | by William Charles


[Expired] [YMMV] Capital One $400 Checking Bonus

Reposting this due to all the successful data points in the comments. Goodluck!


Offer at a glance

The Offer

Direct link to 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

capital one 400

The Fine Print

  • To qualify for the bonus, you must be the primary account holder, and this has to be your first 360 Checking account (this includes former Electric Orange accounts, too).
  • 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:

687 Responses to [Expired] [YMMV] Capital One $400 Checking Bonus

  1. Clifton McDaniel says:

    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?

  2. Bradley says:

    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….

    • Ken says:

      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.

      • joE says:

        wow even acquired banks? Is this based on your own experience or DP’s?

        • MoreSun says:

          Lots of DP posted that past ING customers are ineligible for the bonus on the recent 360 MM offer.

        • Master Allan says:

          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.

  3. Chong says:

    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?

  4. Ken says:

    Is Capital One sensitive to high Chex inquiries? No mention on the DoC list.

  5. David says:

    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.

  6. Jeff G says:

    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.

  7. Bob says:

    How do we get targeted for this? If you are targeted, please leave your DP here whether you have any capital one products.

  8. NN says:

    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

  9. NBG says:

    I have a cap 360 money market account. Am i eligible for this checking offer?.

  10. NBG says:

    Another qn: If exisitng money market a/c holder, should is say i am new to 360 or login to existing account and apply?.

  11. Austin Auclair says:

    makes me wish i would have read that capital one letter I got the other day….

  12. James says:

    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.

  13. Jordan says:

    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?

  14. Ken says:

    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.

  15. CC says:

    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.

    • MoreSun says:

      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.

    • Luke says:

      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.

    • Ryan says:

      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.

  16. Guy Bucktastik says:

    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.

  17. Chong says:

    Called and turns out I used to have an ING account years back which I totally forgot about. O, well.

  18. Teck says:

    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.

  19. Ken says:

    Where do you enter the promo code? Which step/page is it on?

  20. NBG says:

    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.

  21. Kien says:

    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)

  22. Jeff G says:

    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?

      • Jeff G says:

        Sorry, does “+1” mean “yes, that does work”?

        • NBG says:

          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.

          • Jeff G says:

            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.

        • NBG says:

          I guess your 2 DD is Real Employer DD?. When did it post?. Usually bonus posts every tuesday evening.

          • Jeff G says:

            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.

          • Jeff G says:

            So it worked. Posted as two separate DD’s in my CapOne account on 5/10. Bonus posted around 1pm PST, Tuesday, 5/16.

        • NBG says:

          Thanks for the bonus update. I have wait for my 2nd to hit next month.

  23. NBG says:

    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.

    • James says:

      Any DPs or info on the money market one? I thought all the other offers wanted a $10k deposit

      • NBG says:

        I already have a Money Market with that 10K deposit offer. You can try this new offer and be the DP :).

        • James says:

          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.

  24. Chris says:

    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!

  25. Sam says:

    Will a Serve transfer count as DD?

  26. ronaldo says:

    anyone know if paypal triggers the direct deposit?

  27. Marco says:

    Has there ever been a better bonus for this account?

  28. Elver Galarga says:

    DP: I called and CSR said it is only targeted for Boston area and if I used that code I wouldn’t qualify.

    • Chris says:

      Of course they will tell you that. But if you try and satisfy the requirements, then the bonus may come automatically…

  29. Budget Nerd says:

    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.

  30. Avi says:

    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.

  31. Deagan says:

    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!

    • James says:

      Wait…so freezing chex can sometimes let you approved at banks? I didn’t even know this was a thing

    • Ken says:

      How many Chex inquiries did you have in the past 6 and 12 months? What was the error that you got the first time?

      • Deagan says:

        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.

        • James says:

          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?

          • Deagan says:

            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. 😀

    • artgriego says:

      uhhh injuries or inquiries?

  32. James says:

    Apparently someone did this offer on Reddit a few months ago and didn’t get it, same code and everything.:

    • James says:

      But also a few people claim they did. So dunno

      • Deagan says:

        Extremely YMMV. Proceed at your own risk.

        • James says:

          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.

          • NBG says:

            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.

    • Information Booth says:

      The code is different. The other code was EXP400, according to the Reddit comment. In case anybody was curious.

  33. Miya says:

    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?

  34. zalmy says:

    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!

  35. Jacob says:

    How long does the bonus take to post? I completed the requirements on 5/4 and it hasn’t posted yet.

  36. Information Booth says:

    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.

    • Bernie!!! says:

      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.

    • Rox says:

      I’m from MI as well. Wondering if I should apply. Can you update if you got the bonus?

      • Information Booth says:

        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

      • Rox says:

        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

  37. travelmom says:

    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.

  38. Zachek says:

    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.

  39. NBG says:

    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.

    • James says:

      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.

    • Ariel says:

      Did you receive it today (the next Tuesday)?

      • NBG says:

        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.

  40. TWoK says:

    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!

  41. NotWhoYouThink says:

    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!

  42. James says:

    According to one comment here:
    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.

    • Jake says:

      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

    • zalmy says:

      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.

  43. Jeff G says:

    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!

    • Ken says:

      Nice! How many accounts have you opened in the past 12 months and where are you located?

      • Jeff G says:

        Located 90 miles north of Seattle.

        This account is my 6th since in the last 12 months. Really 6th in the last 5 months.

        • Ken says:

          Thanks. I’m way over that. Will probably give it a shot anyways.

          • Jeff G says:

            I wish I had more opportunities. Not many WA state or PNW bonuses out right now.

          • Avi says:

            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.

          • Ken says:

            Applied and approved and I’ve opened 8 accounts over the past 2 months.

    • NBG says:

      Can you tell how the DD from employer was coded as?. Mine says Deposit in type and in Info says Direct Dep.

  44. Ken says:

    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.

    • Ken says:

      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.

      • Harry says:

        So you’re saying you were able to complete the application online but got help by calling in because of some computer glitch?

        • Ken says:

          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.

          • Harry says:

            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.

          • Ken says:

            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.

          • Fred says:

            After you were approved online, did you immediately get your account and routing numbers so you could setup the direct deposit.

          • Jeff G says:

            Yes, they give you the account and routing number immediately.

          • Ken says:

            @Fred – Yes, I got routing and account numbers on the confirmation page.

          • Fred says:

            Thanks Ken and Jeff G

  45. James says:

    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

    • Information Booth says:

      Does Goldman Sachs do the trial deposit thing or not?

      • James says:

        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

    • Trippy says:

      What was the deposit coded as – DD, or P2P?

    • NBG says:

      Does GS bank do a soft or hard pull for opening a savings account?. Also how fast is the opening process?.

      • James says:

        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.

        • NBG says:

          Thanks for the info.

        • NBG says:

          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?.

          • James says:

            No, that’s what mine did

          • Scarelli says:

            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.

          • NBG says:

            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.

        • NBG says:

          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).

        • Rob Arias says:

          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…

          • James says:

            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

  46. NoonRadar says:

    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.

  47. MoreSun says:

    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.

  48. Grant says:

    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 🙂

  49. Grant says:

    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 🙂

  50. Ken says:

    Same boat as me. Fingers crossed I get this bonus!

    Have you been following all the M&T bonus posts?

  51. Jake says:

    My $250 DDs from Alliant Credit Union failed and now it appears my Ally Bank DDs have failed also. What am I doing wrong?

    • Trippy says:

      When did you deposit? What did they show up as?

      Someone else above also mentioned Ally as failing.

    • Ken says:

      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?

  52. travelmom says:

    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.

  53. NBG says:

    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.

    • Ken says:

      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.

  54. Jimbo Needs that Bonus! says:

    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 🙁

    • MoreSun says:

      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.

      • NBG says:

        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.

    • Jimbo Got that Bonus! says:

      Holy guacamole! My bonus came in as well! Arrive 6/8/2017. Cha-Ching! New Account Bonus

  55. James says:

    My second DD from employer posted last Friday but no bonus this week.

    • NBG says:

      Does it say Direct Deposit?

      • Ken says:

        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?

        • NBG says:

          My real DD says Direct Dep. So far, i have seen Direct Deposit and ACH terms seem to work.

          • Ken says:

            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.

        • MoreSun says:

          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.)

        • MoreSun says:

          Forgot to add: I pushed some money from Ally as a test and that coded as “Type: Deposit” and “Info: P2p”.

  56. Ralph says:

    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?

    • NBG says:

      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.

      • Ralph says:

        So once your application is approved, it will immediately show in your online account when you login?

        • NBG says:

          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.

  57. Ken says:

    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

  58. Maddy says:

    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.

  59. Ryan says:

    After my two direct deposits, do I need to leave the money in the account or can I withdraw before the bonus comes?

  60. Heather says:

    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).

  61. MoreSun says:

    I 2nd employer DD posted 5/31, bonus posted 5/31.
    Not targeted, live in CA.

  62. Ken says:

    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.

  63. Chris says:

    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!

  64. Avi says:

    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!

  65. 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:

    • Ken says:

      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.

  66. Dan says:

    Bonus posted today yay.. used deposits from several banks not sure which one triggered.

  67. James says:

    Bonuses on all 3 accounts posted today. DDs from employer. Easy $1200.

  68. bmanamex says:

    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.

    • JuicyJosh says:

      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.

      • bmanamex says:

        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.

        • JuicyJosh says:

          Sweet. Love avoiding the slow real DD process. Looks like VG will work for her and Fid for me. I appreciate all the DPs!

        • rurouni572 says:

          So did you push it from a Vanguard general investment account, or from your Roth? And it still required trial deposits, right?

          • JuicyJosh says:

            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.

          • JuicyJosh says:

            And yes to trial deposits.

  69. Amber says:

    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

  70. Str8Shooter says:

    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!!

  71. Ryan says:

    DP – Bonus Posted 5/31

    Not targeted, live in Texas, two direct deposits from payroll.
    $400 bonus posted today along with everyone else.

  72. NBG says:

    Anyone with a Money Market account opened this and got bonus successfully?

    • AL says:

      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.

      • NBG says:

        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.

        • Trippy says:

          My Discover didn’t work either (although it worked for Avery below), will try Fidelity.

          It does seem a very much YMMV. Ah, well …

    • MoreSun says:

      Yes. I closed my MM the day after I received the checking bonus.

  73. Jeff says:

    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.

    • Ken says:

      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.

      • Jeff says:

        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?

        • Ken says:

          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..

          • Jeff says:

            Well, here we go again, a new week another chance to see if the bonus posts. I’m not holding my breath….

          • Ken says:

            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.

          • Jeff says:

            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.

      • MoreSun says:

        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.

  74. Avery says:

    I wasn’t targeted but tried this anyway, just got the $400 bonus. used Discover bank to trigger DD

  75. Jake says:

    GS bank is still working trigger the bonus right? My DDs just hit yesterday. I guess I’ll see next Tuesday

  76. Sully says:

    Not targeted, and in CO.
    Opened account 5/12.
    2nd DD (employer) hit on 6/2.
    $400 bonus hit on 6/8.

    • Ken says:

      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.

  77. NBG says:

    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.

  78. Jake says:

    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

    • Ken says:

      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.

  79. Lc says:

    Under eligibility – You must be a resident of the great Boston, MA area.

    Why idd not one point this out? lol

  80. Budget Nerd says:

    Not targeted, got bonus. Will be doing the same for the wife later today.

  81. JP says:

    Is YMMV for repeat customers too? I had capital one before am I eligible for this one too?

    • Ken says:

      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.

  82. Charles says:

    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.

  83. Sam says:

    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?

  84. mishyq says:

    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).”

  85. Dave C says:

    Tried for this and didn’t get it “You weren’t eligible.” They gave me a $100 bonus though, so that was nice.

    • Chris M says:

      You weren’t eligible why?
      And what were the circumstances of the $100 bonus? Did they email you about it? How was it explained?

  86. captainsave says:

    Anybody tried deposit with Schwab?

    • Ken says:

      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.

      • AndyK says:

        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..

        • Ken says:

          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.

          • AndyK says:

            My names match…

          • Ken says:

            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.

          • Jay says:

            “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.

          • Ken says:

            @Jay – What website do you use to login to Schwab?

          • Jay says:


            That is the domain that I get redirected to when I simply type in “”, 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:

            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.

          • Ken says:

            @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.

          • Matt says:

            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.

        • JuicyJosh says:

          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.

          • Ken says:

            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 🙁

          • JuicyJosh says:

            @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…

          • JuicyJosh says:

            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 😉

          • Eric says:

            How many of those 20 are M&T?

          • JuicyJosh says:

            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.

      • AndyK says:

        Well, I guess between Jay and myself we shall soon see if Schwab works for this bonus…

  87. Austin Auclair says:

    Hi unemployed here whats the easiest way to get direct deposits without an employer

  88. NBG says:

    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.

    • chris a says:

      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!!!

  89. Gonzohawk says:

    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.

  90. Jake says:

    Didn’t get the bonus this past Tuesday. Did anyone else get it?

  91. Nick says:

    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.

  92. Sarah N says:

    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!

  93. Andrew says:

    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.

  94. GodLike says:

    Taking the plunge too, $400 is well worth it.

    I’ll post back, going to go the employer $250 route.

  95. Ed says:

    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..

  96. Information Booth says:

    Dp: have not yet received bonus. Key bank and Huntington bank don’t trigger. I’ll keep trying other banks.

  97. Trippy says:

    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.

    • Trippy says:

      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

    • Jon says:

      What did you use to trigger the bonus? Did your bank do trial deposits? Thanks!

      • Trippy says:

        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

    • Ken says:

      Woohoo!! Received the $400 bonus today too! Looks like Fidelity worked and Alliant and Amazon deposits didn’t work.

      • MoreSun says:

        So happy for you Ken!!

        • Ken says:

          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.

    • NBG says:

      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!.

    • Zachek says:

      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… :-/

  98. Suljaga13 says:

    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 .

  99. Ken says:

    Let’s get a list of banks that have worked to trigger the bonus.


    Amazon Disbursement

  100. Jake says:

    Bonus posted today on 6/15. Two direct deposits from GS bank triggered the bonus

  101. Duderino says:

    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.

  102. Rocky says:

    Account opened 5/4
    DD From employer: 6/1 and 6/8
    Not targeted and no bonus today…. hoping for next week 🙁

  103. Chris a says:

    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!!

  104. ed says:

    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.

  105. flyerflyer77 says:

    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

  106. Austin Auclair says:

    whats the easiest way to get DD’s from this list? /knowledge-base/list-methods-banks-count-direct-deposits/#Capital_One_360

  107. Redbluefire says:

    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.

    • AndyK says:

      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?

      • Redbluefire says:


        • Zachek says:

          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.

    • Nikki says:

      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!

      • AndyK says:

        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

      • Redbluefire says:

        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.

  108. Jung says:

    can confirm schwab works

    • Ken says:

      Brokerage or checking?

      • Chris M says:

        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?

        • AndyK says:

          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 😉

        • DD says:

          My schwab brokerage shows as an electronic transfer under transaction type. Is that what showed as well?

          • Chris M says:

            Not for me. Under transaction tyoe, mine says “Deposit”

          • charles says:

            I’m working on the new bonus, mine says the same “Electronic Transfer” did your bonus post?

          • LC says:

            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.

  109. lz80521 says:

    Hi guys, any dp on PP/Venmo withdrawl counting as DD?

    • Austin Auclair says:

      be the dp you wish to see in the world

    • Zachek says:

      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
      Appears on your statement as:
      Deposit from VENMO CASHOUT

  110. Austin Auclair says:

    would this be worth it if i had to open a different account to get the DD?

    • Zachek says:

      If your rule of thumb is ≥$200/acct opening then potentially, yes. But since there’s no guarantee, it’s up to you.

  111. V says:

    I am in VA and I tried a different offer for one family member’s new account (BONUS400, link

    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.

  112. Ed says:

    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.

  113. Ryan H says:

    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!

    • Ed says:

      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.

    • NBG says:

      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.

  114. Ryan says:

    For those of you mentioning that Discover works as DD, would a Discover Savings account work? Or is it something else you used?

    • NBG says:

      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.

  115. Ryan says:

    Where did you guys enter the promo code? I was not able to find a place to enter that code at all….

  116. Jay says:

    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
    Appears on your statement as:

  117. Jab says:

    2 transfers of 250 from schwab brokerage few days ago and today bonus posted

  118. Daniel says:

    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?

  119. plungerjoke says:

    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.

  120. JuicyJosh says:

    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.

    • Kevin says:

      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.

  121. Jenn says:

    6/12 $20 Opened
    6/15 2 $250 Employer DD
    6/22 $400 bonus that afternoon

  122. Rocky says:

    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. 🙁

    • Ken says:

      What bank did you do the ACH from for 6/20 and 6/22? Fidelity and Goldman Sachs is known to work.

    • Information Booth says:

      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.

    • Rocky says:

      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.

      • Ryan says:

        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.”

  123. Yet Another Redditor says:

    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

    • Jon says:

      Was your discover transfer from a discover savings account or discover cashback deposit?

    • Yet Another Redditor says:

      These are the transaction descriptions for the banks

      Discover Bank P2p FirstName LastName
      JPMorgan Chase Ext Trnsfr
      CITIBANK XFER P2P FirstName LastName

      Robinhood, Wells Fargo and Chase do not list as P2P
      Only Robinhood lists as ACH

  124. Nancy says:

    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.

  125. Austin says:

    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


  126. Austin Auclair says:

    If I skip the step of funding the account can i still get the bonus?

  127. dave says:

    Interesting that Goldman Sachs posts as a “Payment”.

    First one hit today. Second tomorrow. Hoping for the best 🙂

  128. Zachek says:

    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.

    • Ken says:

      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.

    • Nick says:

      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.

      • Ken says:

        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.

    • tribesman55 says:

      Zachek what did your Schwab brokerage deposits post as? Electronic transfers or Deposits?

  129. Austin Auclair says:

    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?

  130. Dodo says:

    “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?

    • JuicyJosh says:

      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.

  131. tribesman55 says:

    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

    • AndyK says:

      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

      • tribeman55 says:

        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.

        • Jacob says:

          How do you switch website formats again?

          • NeoKorean says:

            2nd this. How do you login to the old Capital One website because mine show as electronic transfer as well.

        • Peter says:

          thank you tribeman55, i confirm your observation – the new website shows Electronic Transfer but the old portal labels as Deposit. Waiting on bonus.

  132. captainsave says:

    Damn was hoping to wake up to see $400 in my account today.

  133. DD says:

    did anyone trigger the bonus past June 22? :/

    • Gmoney says:

      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.

  134. Jon says:

    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.

  135. llio says:

    This offer cannot be combined with any other Capital One Bank® new account opening offer.

  136. Mike says:

    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.

  137. lz80521 says:

    So no bonus posted over last week?

    • AM Cas says:

      I’m in facebook group that people have been posting in when they receive the bonus. No one posted last week.

  138. Ryan says:

    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.

    • JuicyJosh says:

      Of course it didn’t capture right comment but scroll up to my comment on 6/22.

      • Ryan says:

        Thanks, what did it post as? Mine posted as “Vanguard Sell”. The details say the Transaction Type is “Deposit” and Info is “Investment”.

        • JuicyJosh says:

          It did post as Vanguard Sell. I don’t recall the description but have no fear, you are golden. And now the wait…. 😉

    • Ryan says:

      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!

  139. MoneyD says:

    The fine print says deal is valid until June 30. Can anyone verify if CapitalOne is extending the deal?

    • AM Cas says:

      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.

    • z-nut says:

      As usual, I’ve held off too long… I’d still hope to grab this one…

  140. zalmy says:

    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.

    • zalmy says:

      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 🙂

  141. DaBrain13 says:

    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!

    • mistike says:

      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

    • Dabrain13 says:

      Got the bonus today! Two employer DDs of 250. Opened account June 19. Not in targeted area.

  142. Pete says:

    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.

    • tribesman55 says:

      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.

      • Pete says:

        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…

  143. justdoit says:

    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


    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


  144. lz80521 says:

    Seems no one reporting bonus posted this week either.

  145. Mike says:

    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.

    • AndyK says:

      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

      • tribesman55 says:

        The 200GROW bonus hasn’t posted either and that was open to everyone. Maybe their system is just slow right now?

      • Gmoney says:

        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.

        • captainsave says:

          Thats what im thinking as long as no one has received their bonus after 6/22 we still have a chance.

  146. Matt says:

    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?

    • Rick says:

      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.

      • Rick says:

        (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)

  147. AM Cas says:

    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?

  148. JR says:

    Opened account a few weeks ago – early june. 2 legit DD in 6/30.

    Bonus posted today. Not targeted, love I’m NJ.

  149. madgoat says:

    Just got notification of the $400 deposit. Not targeted, 2x 250.01 Schwab.

  150. Jon says:

    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!

  151. Brian says:

    Just got bonus, too. Not in targeted area. DD’s included 1 payroll $250 and two Schwab $250 ACH.

  152. chris a says:

    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.

  153. Mike says:

    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.

  154. Otis McGee says:

    6/19 – Opened account
    6/20 – Pushed two DDs from Schwab brokerage
    7/7 – Bonus received

    Not targeted, not in Boston area

  155. PeaceandPost says:

    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.

  156. Tim says:

    “Cha-Ching! New Account Bonus”

    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!

    • lz80521 says:

      Thanks for the dp. Looks like venmo triggered the bonus. I also tried dd from discover checking but it didn’t work.

    • lz80521 says:

      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.

      • Tim says:

        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.

        • lz80521 says:

          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.

          • Tim says:

            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:


            Appears on your statement as:
            Deposit from DISCOVER BANK P2P [MY NAME]

        • lz80521 says:

          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.

  157. tribesman55 says:

    Received $400 for checking and $200 for money market! Did 2 Schwab for $250 each.

  158. Rick says:


    Got the $400 around 1pm MT today, 7/7. Not targeted (live in Colorado).

    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.

    • Rick says:

      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.

  159. Justin says:

    I used Google Wallet and have not yet received my bonus. Anyone else in the same boat?

  160. Andrew says:

    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

  161. Peter says:

    I did my Payroll ACH before 6/30 and today I did not get the bonus. Do not live anywhere near Boston.

    • Ken says:

      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.

  162. Mark says:

    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.

  163. Peter says:

    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.

    • Information Booth says:

      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.

  164. ajds says:

    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.

  165. Mr. PTM says:

    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

  166. Eric says:

    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.

  167. Billy says:

    Did 2 GS Bank DDs in late June. Used code PLUS400. DDs coded as Transfers. $400 posted today! Not targeted, live in DC Metro.

  168. Jason says:

    Two deposits from Fidelity, account in Michigan, received $400 bonus today.

  169. Steven says:

    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.

  170. Josh R says:

    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!

  171. AndyK says:

    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 🙂

  172. Matt says:

    Account Opened June 19th

    First direct deposit – June 30th
    Second direct deposit – July 7th

    Bonus Posted – July 7th

    Thank You DOC.. This is awesome

  173. Jason says:

    DP use Schwab brokerage pushes as DD twice
    Bothe my parents and my wife got 3 times 400 bonus today..

    • Jason says:

      I am in CA not in the target area. never get any mail and email for my whole family

      • Jason says:

        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..

  174. Jeff says:

    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.

    • tribesman55 says:

      Schwab Checking does not work. You need to use the brokerage account or setup a GSBank account and push from there.

  175. Theory says:

    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: /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.

  176. Captainsave says:

    6/15 open account
    6/25 DD from schwab brokerage
    7/7 bonus posted

    Not targeted or in the area and already have a cap360 saving

    • Chris M says:

      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!

  177. Matt says:

    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?

    • MontyFC says:

      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.

    • AM Cas says:

      Yes, received the debit card within about 4 days of opening. It comes via Fedex.

      • Sarah N says:

        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!

  178. n says:


    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.

    • lz80521 says:

      When you added Cap1 as an external account on Discover side, was it automatically verified or initiated trial deposits?

      • n says:

        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

        • lz80521 says:

          Thanks for the dp. Will try popmoney next week.

        • lz80521 says:

          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.

      • nathan wight says:

        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.

    • Tim says:

      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

  179. LagerBack says:

    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.

  180. TKM says:


    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

  181. Josh says:

    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

  182. Jay says:

    Another Vanguard DP. Sent 2 $250 tx from brokerage acct. Bonus 2 days later.

  183. John says:

    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!

  184. Bob says:

    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!!

  185. Carl says:


    6/8 – Open Account
    7/7 – Schwab Brokerage + $300
    7/7 – Schwab Brokerage + $300
    7/11 – $400 Bonus Posted

    NOT targeted. Thanks DOC!!!

  186. tony1224 says:

    Got my $400 Cha-Ching bonus yesterday!

    Not targeted, from California.

    Also, I had a previous Orange account.

  187. GM says:

    Are there many people that used the promo code, received 2 employer DD’s and never got the bonus?

    • Bambino says:

      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…

    • Ken says:

      I did and didn’t receive the bonus till I sent two Fidelity transfers.

    • it_me says:


      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.

    • REH says:

      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

    • REH says:

      Bonus just posted!

  188. Chris says:

    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?

  189. Jay says:

    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?

  190. Gamma says:

    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.

  191. John says:

    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!!!!!!

  192. Jake N says:

    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

  193. lz80521 says:

    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.

  194. REH says:

    06/13 – Opened
    06/30 – 1st Employer DD
    07/14 – 2nd Employer DD
    07/20 – Bonus posted.

    Not targeted, lives in MN!

    Thanks Will!

  195. Gmoney says:

    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!

  196. John Brown says:

    Bonus just posted today 7/20
    Account Opened 6/19
    Employer DDs 6/30 and 7/14
    Not targeted.

  197. TJ says:

    Cha-Ching DP:
    Opened 6/12
    Employer DD 6/30
    Fidelity brokerage xfer 7/10
    Bonus posted 7/20

  198. Sarah N says:

    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.

  199. Paris says:

    06/17 Opened Account
    07/13 Discover Checking ACH 1
    07/14 Discover Checking ACH 2
    07/20 $400 Posited


  200. AM Cas says:

    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.

  201. SK says:

    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!!!

  202. Abi says:

    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

    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

  203. ThanksDOC says:

    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

  204. Jose says:

    06/16 Opened Account
    07/03 Employer DD
    07/17 Employer DD
    07/20 $400 Posited
    Not Targeted, California Resident. Thanks

  205. Lc says:

    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.

    • Rav says:

      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?

      • LC says:

        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.

  206. Johnny says:

    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.

  207. ML says:

    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

  208. cxr says:

    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 !!!!

  209. MagicMan says:

    IN NY:

    6/22: Opened Account
    7/6: First DD
    7/20: Second DD
    7/20: $400

  210. Brenton says:

    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

    • Jeff says:

      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”?

  211. Leonel says:

    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


  212. VJ says:

    Not Targeted. MI Resident.
    5/16 : Opened
    06/30: Direct Deposit
    07/14: Direct Deposit
    7/20: Cha-Ching!

  213. Austin Auclair says:

    Would a transfer from a capital one investment into this account trigger the bonus?

  214. ANAND says:

    Not targeted area

    Opened 6/25/17
    6/30 & 7/10 = $250 From Fifth Third Checking
    7/20 = $400 Posted

    • J.M. says:

      did your deposits on the CapOne side show as P2P? Thanks!!

    • J.M. says:

      I can confirm that ACH pushed from Fifth Third Bank checking accounts are still valid as DDs for the CapOne 360 Checking Bonus.

      I received my CapOne 360 $300 bonus on August 29, 2017 after two deposits in August.

  215. justdoit says:

    Opened last week of June. $250 x 2 from GS savings. Bonus posted a few days later on 7/20.

  216. mike t says:

    Not targeted . Opened June 17th. 2 +$250 from GS savings. No bonus yet.

  217. J says:

    I’m shocked there are no data points from PayPal. Has anyone had success?

  218. TKM says:

    Anyone have any bonus money hit yesterday 7/27?

  219. Peter says:

    No bonus today as of this afternoon.

  220. brian says:

    Cha Ching! Bonus posted for me today

  221. Lizzle says:

    Bonus hit today. Not targeted. Push from Vanguard Brokerage and Schwab Brokerage. Unsure which one did it.

  222. Kyle says:

    Bonus Posted Today! Not targeted. 2 + $250 push form Vanguard Brokerage

  223. Emily says:

    Cha Ching!
    June 12 account opened
    June 30 employer DD #1 – $251
    Aug 1st employer DD #2 – $251
    August 1st $400 Bonus posted

  224. Julie says:

    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!

  225. Simon says:

    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!

  226. TKM says:

    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!

  227. Yati says:


    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.

  228. FLGirl says:

    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!!


  229. Jerry M says:

    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

  230. Mark says:

    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.


    • Ken says:

      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.

    • Kevin says:

      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.

  231. Dan says:

    Not Targeted.

    8/01 Bonus $400 posted
    Did two Schwab Brokerage transfers last month.

  232. Anthony says:

    Not in Boston, not targeted.

    Account Opened 6/13
    DD 7/07
    DD 7/21
    Bonus $400 8/1


  233. V says:

    Anyone have a photo of the mailer?

    Was just told I could send them a photo and they would apply to my account.

  234. Stephen says:

    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.

  235. Jay says:

    Got the bonus today after 2 DD through paycheck. Not targeted, live in CA.

    • mcars says:

      Can you give the DD dates, Jay? I got DD on Jul 21 and Aug 4 and have not received the bonus :\

      • Jay says:

        7/21 and 8/7. Bonus posted on 8/8.

        Your DDs were made through the paycheck?

        • mcars says:

          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

  236. pat says:

    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!

  237. Don says:


    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.

  238. Justin says:

    Guessing my employer DD didn’t count as a direct deposit which is weird and sad.

    • Justin says:

      Just kidding.. employer DDs on July 31st and finally my bonus posted this morning. Thought I had missed out because bonuses kept posting. Woo!

  239. Mark says:


    Opened Account: 6/12
    Employer DD: 7/21
    Vanguard Brokerage Deposit: 8/9
    Bonus Posted: 8/16

    Not targeted, no mailer.

  240. Peter says:

    Not Targeted, No mailer

    Accounts Opened: 6/30
    2 DDs from Employer: 8/5 and 8/14
    me and spouse both got Bonus: 8/16

    Thanks DOC!

  241. V says:

    Not targeted

    Opened 6/15
    DD 1 6/30
    Push from Chase 7/5
    DD 2 7/14
    Trail deposits from Etrade 8/8
    Etrade Deposit x2 8/14
    Bonus 8/16

    Looks like my Employer DD’s didn’t trigger the bonus but my Pushes from Etrade on the very last eligible day did.

  242. Judy says:

    DP: Live in Kansas. Not targeted. DD twice from Goldman Sachs savings account. Bonus posted days after 2nd DD. Easiest $400 ever.

    A huge thank you to the Dr. and everyone who posted DP’s. Without the DP’s, I never would have even thought to try!

  243. Vincent says:

    Not targeted.

    Opened 06/30.
    DD 1 07/28
    DD 2 08/11
    Bonus 8/16

    DDs were from employer.

  244. Austin Auclair says:

    Not Targeted Out of bonus area. 2 DD’s from Chase Alliant and Fifth 3rd Bank seems like none of them are going to make the bonus post. Past the 60 days mark. Thinking about calling just to see if I can get an extension or even a smaller bonus but I don’t have my hopes up

  245. Kay says:

    I’ve received a dozen of bonuses so far, but this bonus is somewhat tricky. I got this bonus yesterday. I made several transfers from Discover saving account a month and a half ago, but didn’t get any bonus until few days ago. So I’m pretty sure that P2P or Prearrange from Discover saving account itself (have no idea why they have different memo) doesn’t trigger the Bonus. The only thing I do recently is to make verification transfer from TechCU (P2P in memo) and Paypal (verify bank in memo). Hope this can help other guys.

  246. Anony Mouse says:

    I didn’t receive the bonus on EXP400 bonus (I’m on the West Coast, not in Boston) after completing the direct deposits.

    I considered my options (filing complaint with CFPB and/or BBB), and upon starting my complaint with the BBB, I found an email address ( that CapitalOne provided to the BBB in order to address customer complaints without going through the trouble of filing a BBB complaint.

    I went ahead and emailed Capital One at that email address, mentioned the promotion code and that I hadn’t received my bonus, and they replied three days later and said that I wasn’t targeted or eligible for the promotion, but that they had gone ahead and credit my account for $400 anyways.

    Obviously this is a YMMV thing – there’s no guarantee that other folks will receive the bonus if they email Capital One like I did, but it couldn’t hurt, and if you’ve almost given up on getting the Capital One 360 bonus, try this before you throw in the towel.

  247. John says:

    My Bonus was manually posted today, I had called 2 weeks ago and the CSR said to call back after Sept. 24th if the bonus didn’t post. She said my application on June 29th had the promo code on it, she didn’t know why it did not post. Anyway, I called tonight and a different CSR manually posted the Bonus, he also didn’t know why it didn’t automatically post. Perhaps because I opened the account near the end point of the promotion? Who knows? I got the Bonus, Thanks, DoC!

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