Make a Salute to Financial Independence with CaptialOne360

It's that time of year again when CapitalOne360 offers up their great deals in honor of Independence Day. I have been an account holder since Black Friday 2009 and love the ease of savings. You can open multiple savings accounts with nicknames to help budget your savings. I currently have one for home improvements, one for Benny (yes my dog has his own savings account), and one for general savings. The interest rates are higher than most of the local banks and you know your money is safe. CapitalOne360 is FDIC insured.

From June 30, 2014 until July 3, 2014 new customers can get the following deals on CapitalOne360 for opening an account.

Offer details:

Earn a $100 bonus when you open a 360 Checking account.

• Open a fee-free 360 Checking account between June 30 and July 3, 2014
• This has to be your first 360 Checking account.
• Make a total of 5 debit card purchases (either signature or PIN-based) or 5 CheckMate deposits (or any combination of the two) within 45 days, and your $100 bonus will be automatically deposited into your account on day 50.
• Customers will earn interest on their everyday cash. 

360 Savings®: Grab $76 when you open a 360 Savings® account.

• Open a no-fee 360 Savings account between June 30 and July 3, 2014, and snag $76.
• This has to be your first 360 Savings (including Orange Savings Accounts) account and it needs a $500 minimum initial deposit or more.
• The bonus starts earning interest on day 1, but you can’t take it out for at least 30 days.

Disclaimer: Remember to read all the fine print before opening a new account. This post was not sponsored by CapitalOne360. The links provided are affiliate links and I will earn compensation if you choose to open an account. All opinions are 100% my own. The quoted material comes directly from CaptialOne360 regarding their promotion.

New Account Bonuses on Capital One 360

To celebrate Black Friday, Capital One 360 is hosting their annual sale by increasing their usual $50 new account bonus. The bonuses are available now through December 2, 2014 at 11:59 PM (EST).

• Checking account - $125 bonus
• Savings account - $75 bonus
• ShareBuilder - $150 bonus
• Home Loans - Discounts on closing
• Friend Referrals - $100 for two friends

I have personally had an account since 2009 and love the simplicity of it. The interest rate is slightly higher than the local banks and you can deposit checks by uploading pictures. I use it mostly for savings and have a local bank for my day to day banking, but as I mentioned Capital One 360 has a higher interest rate.

Make sure you read all the fine print and details regarding these offers. While Capital One 360 is a great bank and I personally opened my account with a similar offer a few years ago, there are a few steps you need to take to make sure you get the promotional money. It's not as simple as opening the account and then withdrawing the cash.

Capital One 360 is FDIC insured so you can feel safe saving your money with them.

Get Upto $176 When You Open New Accounts with Capital One 360

Do you remember all the great deals I posted previously for opening an account with ING Direct? Back in February, they changed their name to Capital One 360. This is the first great promotion since the name change but when they mention first time customers, that includes the former ING Direct.

To celebrate Independence Day, Capital One 360 is hosting their Financial Independence Days by increasing their usual $50 new account bonus to $100 for a no fee checking account. You can also get $76 for opening a savings account which brings the total possible earning to $176. Both bonuses have fine print attached including minimum starting deposits so make sure you read the facts before opening an account. The bonuses are available from July 1, 2013 12:00 AM (EST) until July 3, 2013 11:59 PM (EST).

Current checking bogging you down? With 360 Checking, you're free to roam. It's fee-free, online and mobile checking that works around your schedule and goes where you go. It starts with:

• No hidden fees or minimums as you earn interest on your everyday money
• 38,000 fee-free Allpoint® ATMs and 2,000 Capital One® ATMs
• Free MasterCard® Debit Card for all purchases
• Mobile check deposits with CheckMateSM & one checkbook's free

I have personally had an account for over two years and love the simplicity of it. The interest rate is slightly higher than the local banks and you can deposit checks by uploading pictures. I use it mostly for savings and have a local bank for my day to day banking, but as I mentioned Capital One 360 has a higher interest rate.

Capital One 360 is FDIC insured so you can feel safe saving your money with them.

Black Friday Deals at ING Direct

I've talked about ING Direct before but I always wait until they are running a great promotion to remind you all about this online bank. By cutting their overhead costs of actual stores, ING Direct passes their savings onto the customer. While you can't just walk into the bank, you can feel safe knowing your money is still protected by the FDIC.

Current bankers at ING Direct can get a 1% cash back bonus on any purchase made on Black Friday using your debit card. Interestingly this is higher than the current interest rate so you'll make more money by spending your funds than saving them (crazy, right?).

If you don't already have an account, you can earn $125 when you open a new Orange checking account and make a total of 10 purchases (either signature or PIN-based) using your Electric Orange Card or CheckMate deposits (or any combination of the two) within 45 days.


Make sure you read all the fine print and details regarding these offers. While ING Direct is a great bank and I personally opened my account with a similar offer a few years ago, there are a few steps you need to take to make sure you get the promotional money. It's not as simple as opening the account and then withdrawing the cash. ING Direct was sold to CapitalOne. In February 2013, ING Direct will become CapitalOne360.

Get $50 When You Open an ING Direct Checking Account

ING Direct is one of the few banks left that don't charge tons of fees. To celebrate, they are currently offering a $50 bonus when you sign-up for a new checking account. You don't have to make a minimum deposit but you will have to use your new debit card at least three times in the first 45 days. To see the $50 promotion, you might have to click the logo in the top left corner to see the slide show with current promotions. It's listed as checking.

Besides not having fees, ING Direct also offers interest on their accounts. You won't get rich from the interest but it's something that most banks don't offer on checking accounts anymore.

I personally have been using ING Direct for almost two years and I have never paid a penny in fees. Their interest rates are competitive and they offer a variety of accounts for every customer.

I did read recently about ING Direct being acquired by Capital One so I'm not sure how it will effect the bank. Most people love ING Direct but dislike Capital One so we'll all just have to see how the sale will change things.