Capital One 360 Performance Savings Questions

Zoostation1 — Thu, 17 Nov 2022 04:51:24 GMT

I have two questions regarding Capital One and their 360 Performance Savings account.

The fine print suggests they do a credit check. Is this a soft or hard pull? I'm thinking soft pull but want to confirm beforehand (I refuse to open a savings account with anyone who's going to do a hard pull)
How long does it typically take to "link" a checking account from another institution to it (to use their terminology). I have two credit cards with them and would be funding the savings from the same checking account I pay my cards off with.

Any info would be appreciated!

Re: Capital One 360 Performance Savings Questions

simplynoir — Thu, 17 Nov 2022 16:25:04 GMT

1. Soft pull as long as you opt out of overdraft protection

https://www.doctorofcredit.com/capital-one-100-500-savings-bonus-requires-10000-100000-deposit/

2. Depending on whether they're part of the Plaid network otherwise it's one of those "link bank accounts, wait for verifying deposits which take 2-3 business days and it will be official after verification" kind of deals

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Capital One 360 Performance Savings Questions

Re: Capital One 360 Performance Savings Questions