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Capital One 360 Performance Savings Account: Earn Up to $1500 Bonus Funds w/ 4.3% APY Expired

Deposit $20K-100K+
(New Capital 360 Accounts)
+142 Deal Score
298,883 Views
Capital One offers New Accounts: Capital One 360 Performance Savings Account: Earn Up to $1,500 Bonus Funds w/ 4.5% APY w/ deposits ranging from $20,000 to $100,000 of external funds (within the 15-day Initial Funding Period Only) when you open a new account and fund the account and apply promo code FALL23 to receive this promotional bonus offer or when you follow the instructions listed below

Thanks to community member srhearts for finding this deal

Note, offer valid for New Capital One 360 Performance Saving Account only. If you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary/secondary account holder with Capital One on or after January 1, 2021, you will be ineligible for this bonus offer.

Deal Instructions
  1. Open a new Capital One 360 Performance Savings Account w/ promo code FALL23 by December 6, 2023
  2. Deposit $20,000+ of external funds within the 15-day Initial Funding Period after opening your account
    • Bonus Funds
      • Deposit $20,000+ & Earn $300 Bonus Funds
      • Deposit $50,000+ & Earn $750 Bonus Funds
      • Deposit $100,000+ & Earn $1,500 Bonus Funds
    • This exclusive offer will grant you the bonus and a high yield savings rate of 4.30% (APY) Annual Percentage Yield
  3. Hold the deposit(s) in your account for 90-days after the 15-day Initial Funding Period ends
  4. Earn the bonus funds in your new account within 60-days after holding
    • Note, bonuses are considered interest and will be reported on IRS form 1099-INT

Original Post

Written by
Edited November 4, 2023 at 09:09 PM by
First post so please feel free to modify
DEPOSIT BONUS
$20,000 +$300
$50,000 +$750
$100,000 +$1,500

https://www.capitalone.com/bank/f...4fy23_1025


If you have or had an open
360 Performance Savings,
360 Savings,
360 Money Market,
Savings Now
or Confidence Savings account
as a primary or secondary account holder with Capital One on or after January 1, 2021, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.
Certain deposit transactions initiated through the Capital One website to retrieve funds from your external account are subject to limits. If you are subject to these limits, in order to meet the offer requirements, you would need to initiate the deposit by another external method, such as mobile deposit or setting the initial deposit to send (rather than be retrieved from) from your external financial institution.
Here's the full scoop on how to earn your bonus:
STEP 1—Open a 360 Performance Savings account between 12:00 a.m. ET on November 1, 2023, and 11:59 p.m. ET on December 6, 2023. When you open your account, ensure the promo code FALL23 is entered in the Promo Code box.
STEP 2—Initial Funding Period. Deposit a total of $20,000 or more (Deposit Amount) of new money from externally sourced funds (transfers between Capital One accounts will not qualify) within the first 15 days of account opening (Initial Funding Period).
STEP 3—Hold Period. You will earn a bonus once you've maintained the Deposit Amount of $20,000 or more for 90 days following the Initial Funding Period. The Initial Funding Period is defined as the first 15 days from account opening, and the 90-day Hold Period does not begin until after the full 15-day Initial Funding Period.
The amount of your bonus will be determined as follows:
$300 bonus—The new money deposited from an external bank during the Initial Funding Period was between $20,000-$49,999.99, and you maintained that Deposit Amount for 90 days following the Initial Funding Period.
$750 bonus—The new money deposited from an external bank during the Initial Funding Period was between $50,000-$99,999.99, and you maintained that Deposit Amount for 90 days following the Initial Funding Period.
$1,500 bonus—The new money deposited from an external bank during the Initial Funding Period was $100,000 or more, and you maintained that Deposit Amount for 90 days following the Initial Funding Period.
Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above, including fulfilling the 90-day holding period. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. If at any time during the 90 days following the Initial Funding Period your Deposit Amount drops into a lower tier, you will be rewarded that tier's cash bonus. If your Deposit Amount decreases to an amount less than $20,000, you will not qualify for a cash bonus. This offer cannot be combined with any other 360 Performance Savings account opening offers. Only one promotional code is accepted per account. Bonus is only valid for one new 360 Performance Savings account. Bonuses are considered interest and will be reported on IRS form 1099-INT.
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Deal
Score
+142
298,883 Views
Deposit $20K-100K+
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.

537 Comments

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Featured Comments

Jeez...wildly inaccurate posts like this should be deleted. You don't seem to understand that you are getting both a signup bonus AND the ongoing high-yield (currently 4.3%) interest. Please feel free to correct my math here, but I think the combined bonus puts the effective APY over 6% for the first year. Good luck finding any other liquid investment with a guaranteed yield like that.

Pretty good deal for someone who doesn't already have a Cap360 account (since existing or recent savings account holders don't seem to be eligible).
the capital one account also has 4.3% apy so it would be higher
That is not how this works.

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Joined Apr 2005
L6: Expert
> bubble2 1,036 Posts
444 Reputation
HTB
12-02-2023 at 10:57 PM.
12-02-2023 at 10:57 PM.
Quote from giveNforgive :
So what is the best method to transfer from Chase to Capitalone?
Push fronm Chase or Pull from Capitalone?
Also, how long should it take for the transfer?

Thanks in advance !!
Push from Chase will be quicker but it still takes 2-3 days for a small test deposit and 6-7 days for a large deposit.
Reply
Joined Apr 2005
L6: Expert
> bubble2 1,036 Posts
444 Reputation
HTB
12-02-2023 at 10:58 PM.
12-02-2023 at 10:58 PM.
Quote from sunspotzsz :
so it doesn't make sense to transfer the money in early, right? the 90 days start only after the 15 days period. so one should transfer on like 14th day
I would not risk something like that as it will take a couple days for the transfer to complete.
Reply
Joined May 2008
L6: Expert
> bubble2 1,329 Posts
471 Reputation
bkobe7
12-03-2023 at 09:22 AM.
12-03-2023 at 09:22 AM.
I want to withdraw monthly interest. Does that reduce my initial deposit amount, making me ineligible for the bonus of does it not matter as long as the balance stays at or above the minimum balance to remain eligible?
Reply
Last edited by bkobe7 December 3, 2023 at 09:34 AM.
Joined May 2016
L4: Apprentice
> bubble2 468 Posts
194 Reputation
Fish12345
12-03-2023 at 05:48 PM.
12-03-2023 at 05:48 PM.
Quote from nojmplease :
Few people are likely doing the full $100k. The bonus is tiered proportionally, so from an APY perspective, even moving $20k for a few months into this makes sense, since you're unlikely to find another liquid investment with a comparable guaranteed return in that time frame.
I'm doing 50k..easy money. Thanks op
Reply
Joined Apr 2013
L4: Apprentice
> bubble2 459 Posts
284 Reputation
slickdealer323
12-03-2023 at 06:28 PM.
12-03-2023 at 06:28 PM.
Quote from Baccanalion :
Confirmed with rep it can be multiple transfers but all need to be in 15 days' funding period. you can call n double check
got it, Thanks
Reply
Joined Mar 2010
L3: Novice
> bubble2 139 Posts
31 Reputation
killerparties
12-03-2023 at 09:34 PM.
12-03-2023 at 09:34 PM.
can I just write a few checks at $9k daily and deposit via the app?
Reply
Joined Nov 2017
Baccanalion
> bubble2 68 Posts
62 Reputation
Baccanalion
12-04-2023 at 10:09 PM.
12-04-2023 at 10:09 PM.
Deal extended to 01/09/2024
Reply

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Joined Dec 2014
L2: Beginner
> bubble2 74 Posts
10 Reputation
JL44516
12-06-2023 at 12:17 PM.
12-06-2023 at 12:17 PM.
it now shows 4.35% APY. if we opened it up when it was 4.30% APY, will we updated to 4.35% as well?
Reply
Joined May 2008
L6: Expert
> bubble2 1,329 Posts
471 Reputation
bkobe7
12-06-2023 at 02:04 PM.
12-06-2023 at 02:04 PM.
Quote from JL44516 :
it now shows 4.35% APY. if we opened it up when it was 4.30% APY, will we updated to 4.35% as well?
Great news! I would assume you get the new rate but account information in the app is not reflecting the increased APY just yet...

Edit: APY now showing accurate
Reply
Last edited by bkobe7 December 7, 2023 at 12:03 PM.
Joined Apr 2015
L3: Novice
> bubble2 224 Posts
38 Reputation
clarkr32
12-06-2023 at 03:26 PM.
12-06-2023 at 03:26 PM.
Quote from srhearts :
no just called and confirmed. You don't have to be new customer. Please call and confirm

Just called I'm current customer I am not eligible
Reply
Joined Dec 2005
L7: Teacher
> bubble2 2,390 Posts
808 Reputation
SlikRick
12-06-2023 at 08:54 PM.
12-06-2023 at 08:54 PM.
Quote from clarkr32 :
Just called I'm current customer I am not eligible
Do you already have a 360 Savings or 360 Checking account? I have 360 checking, and IDK if I'd be ineligible for 360 Savings bonus because of it..
Reply
Joined Feb 2010
New User
> bubble2 6 Posts
10 Reputation
hxy8899
12-07-2023 at 02:19 PM.
12-07-2023 at 02:19 PM.
How is this comparable to t-bill?
Reply
Joined Jan 2015
L8: Grand Teacher
> bubble2 3,310 Posts
400 Reputation
kenpet
12-08-2023 at 05:50 AM.
12-08-2023 at 05:50 AM.
What is the ACH pull limit for Capital One? Non-commercial banks are restricting 25K on a 28 day rollover limit with daily limit of 5K.
Reply
Joined Jun 2016
L5: Journeyman
> bubble2 918 Posts
74 Reputation
kwchan79
12-08-2023 at 09:54 AM.
12-08-2023 at 09:54 AM.
is the 90 days hold based on average daily balance?

eg. what if the balance drop below $20K for couple of days but I add more funds later when my pay check come in?
Reply

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Joined Jun 2016
L5: Journeyman
> bubble2 918 Posts
74 Reputation
kwchan79
12-08-2023 at 09:55 AM.
12-08-2023 at 09:55 AM.
Quote from kenpet :
What is the ACH pull limit for Capital One? Non-commercial banks are restricting 25K on a 28 day rollover limit with daily limit of 5K.
not seeing any limit so far, but the transfer really slow and it can take 1 week to be available
Reply
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