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Current Capital One 360 Customers Check email for DEOPIST BONUS paying $150 or $450

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I got an email today from Capital One 360, it is only for current customers, subject reads:⏰ Time's almost up to earn up to a $450 bonus🎁

Email reads:

Offer ends on May 13, 2022

You've been a great customer.

So we're saying thanks by offering up to $450 for adding money to your 360 Savings account.

As always, your dollars are safely FDIC insured up to the allowable limits. But the offer is only available for a limited time.

We'll tell you how to earn it—but how to spend it? We'll leave that to you.
Here's how it works:

😉👉 If you've already made your deposit, you're on step #2.
1. Earn a $150 bonus when you deposit $20,000 or more, or a $450 bonus when you deposit $50,000 or more, of new money from an external account into your 360 Savings account ending in XXXX by May 13, 2022.
2. Keep your deposit in your account until at least August 12, 2022.
3. Once you get your bonus, you decide what to do with it!



About this message
This bonus offer is meant only for the original recipient. Those who are not the original recipient will not receive a bonus. Please don't share it.
Here's the scoop on how to build your balance to earn your bonus.
1. Increase your current balance in the 360 Savings or 360 Performance Savings account identified by the last 4 digits of the account number in the offer email you received by depositing $20,000 or more of new money from an external bank (deposits from Capital One accounts will not qualify) between 12:00 a.m. ET on April 11, 2022 and 11:59 p.m. ET on May 13, 2022 (the "Funding Period"), then keep the new money in your account between 12:00 a.m. ET on May 14, 2022 and 11:59 p.m. ET on August 11, 2022. Transfers between Capital One accounts will not qualify. Any portion of new deposits to your 360 Savings or 360 Performance Savings account that has been withdrawn and redeposited back into that account may also not qualify. Funds deposited from other Capital One accounts will not qualify. The amount of your bonus will be determined as follows:
o $150 bonus – The new money you deposited from an external bank during the Funding Period was between $20,000 and $49,999.99 (Lower Tier), and you maintained the total amount of the new money deposited in the account until 11:59 p.m. ET on August 11, 2022.
o $450 bonus – The new money you deposited from an external bank during the Funding Period was $50,000 or more (Higher Tier), and you maintained the total amount of the new money deposited in the account until 11:59 p.m. ET on August 11, 2022.
2. If the balance of new money you deposited during the Funding Period drops to the Lower Tier at any point between 12:00 a.m. ET on May 14, 2022 and 11:59 p.m. ET on August 11, 2022, you'll earn the Lower Tier bonus. If the balance of new money you deposited during the Funding Period drops below the Lower Tier, you will not qualify for a bonus. If you make additional deposits after May 13, 2022 to reach the Higher Tier, you'll only be eligible for the Lower Tier bonus.
This offer is only eligible for the account referenced in the email which you received. You may be eligible for other offers that you received via email. The bonus is only valid for the savings account ending in the last four numbers indicated in your email.
When will I get my bonus?
If you fulfill the offer requirements, Capital One will deposit the bonus into your 360 Savings or 360 Performance Savings account within 60 days following August 12, 2022. If your account is in default, closed, suspended, or otherwise not in good standing, you will not receive the bonus.
What is considered "new money"?
Capital One qualifies new money as any funds that are deposited into your account from an external source that is not affiliated with Capital One. Funds transferred from Capital One savings, money market, CD and checking accounts will not qualify.
What you need to know about the 360 Savings account:
The Interest Rate on your account is 0.2996% with an Annual Percentage Yield of 0.30%. The interest rates and annual percentage yields are variable and may change at any time at our discretion.
To calculate interest, we apply a daily periodic rate to the principal in the account each day.
The 360 Savings account is FDIC insured up to the allowable limits. Please see www.fdic.gov for additional information.
By clicking on the link above, you will be taken to a site hosted by the FDIC.
Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges.
The site may be unavailable during normal maintenance or due to unforeseen circumstances.
Mobile deposits are available only in U.S. and U.S. territories.
Questions? Call us at 1-800-655-BANK (2265) to talk to a real person. We're here 7 days a week, 8 a.m.-11 p.m. ET.

Important information from Capital One
Unsubscribe | Contact us | Privacy | Help prevent fraud
To ensure delivery, add [email protected] to your address book.
This email advertisement was sent to [email protected]. You received this email as a valued Capital One customer.
Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.
Please do not reply to this message, as this email inbox is not monitored. To contact us, visit http://www.capitalone.com/support...contact-us.


Products and services are offered by Capital One, N.A., Member FDIC.
© 2022 Capital One. Capital One is a federally registered service mark. 15000 Capital One Drive, Attn.: 12038-0111, Richmond, Virginia 23238. To contact us by mail, please use the following address: Capital One, P.O. Box 360, Wilmington, DE 19899.
115590 807161 EM-001559
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Created 05-06-2022 at 08:47 AM by David36
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Joined Nov 2013
L3: Novice
> bubble2 225 Posts
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sparked1
05-08-2022 at 06:29 PM.
05-08-2022 at 06:29 PM.
Pretty terrible way to tie up $20,000 even if just 3 months.
Reply
Joined Dec 2010
L9: Master
> bubble2 9,561 Posts
1,855 Reputation
yangzi
05-08-2022 at 09:34 PM.
05-08-2022 at 09:34 PM.
Quote from coolcoder :
OP is not correct. Log into your account. You will see 0.6%.

Also, the 4.2% is the annual rate you get if you put the money in for 3 months and pull it out. I wasn't saying leave it in for the whole year. You always use the annual percentage rate (APR) no matter the length of the investment. For example, you will always see an APR advertised for 6 and 9 months CDs, and not the actual interest % you get after the 6 months.

You can do a lot better than the base 0.6%, so no point leaving in the 50k after getting the bonus. 4.2% APR return is pretty decent for a savings account, so makes sense to do this bonus.

I think I finally understand what you are saying but my 3 saving accounts all have 0.3% interest rate. I logged into them and checked. They are all regular saving accounts which I named with different names so I don't know if my saving accounts are different than 360 saving account in this OP.

Also, I don't think OP is wrong. It looks like they copied and pasted the email from Capital One. For some reasons, you have better interest rate maybe?

EDIT:
I figured out that all my 3 saving accounts are indeed 360 saving accounts. You have 360 Performance Savings Account with 0.6% interest rate.

https://www.capitalone.com/bank/s...s-account/
Reply
Last edited by yangzi May 8, 2022 at 09:55 PM.
Joined Oct 2017
L5: Journeyman
> bubble2 647 Posts
324 Reputation
sbessire
05-08-2022 at 11:10 PM.
05-08-2022 at 11:10 PM.
Quote from jun12345zhang :
Capital one only received max $25000 transfer per month so you can not transfer more than $25000 .
Am I wrong?

I transferred $50k in one transaction just fine.
Reply
Joined Mar 2018
L1: Learner
> bubble2 20 Posts
11 Reputation
Fabulous01
05-09-2022 at 05:31 PM.
05-09-2022 at 05:31 PM.
If you have or had a savings account with Capitol One 360, you ARE ineligible for this promotion!
Reply
Joined Aug 2006
L3: Novice
> bubble2 131 Posts
64 Reputation
LK0123
05-09-2022 at 08:03 PM.
05-09-2022 at 08:03 PM.
Quote from Fabulous01 :
If you have or had a savings account with Capitol One 360, you ARE ineligible for this promotion!
Why would you think that? Read the OP carefully...
Reply
Joined Jan 2011
L1492 ARMADA INVENCIBLE
> bubble2 3,485 Posts
465 Reputation
toromac
05-09-2022 at 08:30 PM.
05-09-2022 at 08:30 PM.
What does withdrawal disclaimer mean? If I withdrew money like 6 months ago does that count against the 20k? That would be absurd if so. I'll cancel my account if I don't get it after doing this.
Reply
Joined Jan 2011
L1492 ARMADA INVENCIBLE
> bubble2 3,485 Posts
465 Reputation
toromac
05-09-2022 at 08:31 PM.
05-09-2022 at 08:31 PM.
Quote from sparked1 :
Pretty terrible way to tie up $20,000 even if just 3 months.

Yeah how do you plan on getting better guaranteed return if you've already bought full amount of ibonds? Thats what I thought. Noob.
Reply

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Joined Jul 2006
L9: Master
> bubble2 4,584 Posts
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coolcoder
05-09-2022 at 08:37 PM.
05-09-2022 at 08:37 PM.
Quote from Fabulous01 :
If you have or had a savings account with Capitol One 360, you ARE ineligible for this promotion!
That's just for new customers. If you are an existing customer and got this targeted offer email, you are eligible.
Reply
Joined Jul 2006
L9: Master
> bubble2 4,584 Posts
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coolcoder
05-09-2022 at 08:39 PM.
05-09-2022 at 08:39 PM.
Quote from sparked1 :
Pretty terrible way to tie up $20,000 even if just 3 months.
Nothing is tied up. It's a savings account. I just moved $50k that was sitting in my 0.5% savings to the Cap One savings that is currently at 0.6% (they will all eventually move to 0.6%). If I absolutely need that money before 3 months, I can take it out and lose the $450 bonus, which isn't a huge deal.
Reply
Joined Jan 2011
L1492 ARMADA INVENCIBLE
> bubble2 3,485 Posts
465 Reputation
toromac
05-10-2022 at 05:59 AM.
05-10-2022 at 05:59 AM.
Quote from coolcoder :
Nothing is tied up. It's a savings account. I just moved $50k that was sitting in my 0.5% savings to the Cap One savings that is currently at 0.6% (they will all eventually move to 0.6%). If I absolutely need that money before 3 months, I can take it out and lose the $450 bonus, which isn't a huge deal.

That guy probably doesn't have 50k or even 20k liquid. Even less likely he has a better idea of what to do with it if he did
Reply
Joined Jun 2007
L5: Journeyman
> bubble2 1,480 Posts
651 Reputation
Original Poster
David36
05-10-2022 at 10:32 AM.
05-10-2022 at 10:32 AM.
Quote from coolcoder :
Got it as well. So if you transfer 50k, it's like a guaranteed 4.2% for 3 months (includes the base 0.6%). Not bad at all.
Yah, its awesome for this time of year and decade :-)
Reply
Joined Jun 2007
L5: Journeyman
> bubble2 1,480 Posts
651 Reputation
Original Poster
David36
05-10-2022 at 10:33 AM.
05-10-2022 at 10:33 AM.
Quote from sparked1 :
Pretty terrible way to tie up $20,000 even if just 3 months.
What else is available for that?
Reply
Joined Jun 2007
L5: Journeyman
> bubble2 1,480 Posts
651 Reputation
Original Poster
David36
05-10-2022 at 10:39 AM.
05-10-2022 at 10:39 AM.
Quote from Fabulous01 :
If you have or had a savings account with Capitol One 360, you ARE ineligible for this promotion!
Not true, this offer is for current customers
Reply
Joined Jun 2007
L5: Journeyman
> bubble2 1,480 Posts
651 Reputation
Original Poster
David36
05-10-2022 at 10:45 AM.
05-10-2022 at 10:45 AM.
Quote from jun12345zhang :
Capital one only received max $25000 transfer per month so you can not transfer more than $25000 .
Am I wrong?
$25K limit is for all US banks on a "REAL TIME" transfer. But if you do 1-2 day, there is no limit on most banks ....Wave
Reply

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Joined Feb 2011
L4: Apprentice
> bubble2 372 Posts
349 Reputation
calvin0416
05-10-2022 at 03:01 PM.
05-10-2022 at 03:01 PM.
The code is save22 but I can't seem to qualify for it and I already have a 360 account
Reply
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