안녕하세요, 요즘 뱅크 처닝에 관심이 많아 리서치 하던 도중 Capital One에서 괜찮은 오퍼가 있는 것 같아 공유 겸 의견 여쭙고자 합니다. 일단 내용은

 

Open a Capital One® 360 Money Market® account by February 28, 2019, and earn 2.00% Annual Percentage Yield (APY) on accounts with balances of $10,000 or more. Use promo code CELEBRATE to get a $500 bonus with balances of $50,000 or more or a $200 bonus with balances of $10,000 to $49,999.99. See details below.

 

Balance	Interest with 2.00% APY	Cash Bonus	Potential Payout in a Year
$10k	$200	$200	$400
$50k	$1,000	$500	$1,500
$150k	$3,000	$500	$3,500

 

이런 내용이네요.

 

$10K 이상을 넣으면 2.00% 이자도 받을 수 있어 좋은 것 같아요.

 

보너스 관련 T&C는

 

1. Open a 360 Money Market account between 12:00 a.m. ET on January 1, 2019, and 11:59 p.m. ET on February 28, 2019. When you open your account, enter your promotional code—CELEBRATE. If you have or had an open savings product with Capital One after January 1, 2016, you’re ineligible for the bonus.

 

2. Deposit $10,000 or more of new money from an external bank (transfers between Capital One accounts will not qualify) within the first 10 days of account opening (Initial Funding Period). The amount of your bonus will be determined as follows: $200 bonus — you maintained a daily balance of $10,000 - $49,999.99 for the first 90 days following the Initial Funding Period $500 bonus — you maintained a daily balance of $50,000 or more for the first 90 days following the Initial Funding Period

 

3. If your daily balance drops to a lower tier at any point during the 90-day period, you’ll earn the lower tier bonus. If you make additional deposits during the 90-day period to reach the next tier, you’ll only be eligible for the lower tier bonus.

 

4. This offer cannot be combined with any other Capital One Bank or Capital One 360 new savings account opening offer. Bonus is only valid for one account.

 

이 정도이고, 보너스가 언제 지급되는지 관련 내용은

 

When will I actually get my bonus? Capital One will deposit the bonus into your account within 60 days following the 90-day period. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus.

 

이렇습니다. 그러면 일단 보너스 받을때까지는 어카운트를 열어놓아라는 얘기인가보죠? 한가지 좋은것은 No fees, no minimums 이라고 하니, 이럴때는 그냥 $1만 남겨두고 계좌를 유지만 하면 안전하겠군요.

 

오퍼 링크는

 

https://www.capitalone.com/celebrate200 입니다.

 

Capital One 360 MM 관련 경험 있으신 분들 정보 (보너스 받기 쉬운지~ 기타 등등 ^^) 공유해 주시면 감사하겠습니다!