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Universal Music Group launches Everything Jazz, a new global digital platform for jazz music and culture

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Universal Music Group‘s Global Classics & Jazz division has launched Everything Jazz, a new digital platform and online store dedicated to jazz music and culture.

Announced on Thursday (April 16), the platform has been developed in partnership with labels including Blue Note, Verve, Impulse!, Decca, Fontana, and ECM. It combines a curated retail offering with editorial content, positioning itself as a centralized destination for jazz releases and storytelling aimed at a global audience.

The platform follows a phased international rollout of online stores across Europe — including local stores in France and the United Kingdom — as well as Japan, Australia, Canada, and the United States.

According to UMG, Everything Jazz offers access to catalog and new releases, including premium vinyl reissue series such as Blue Note’s Tone Poet and Classic Vinyl editions, alongside Verve’s Vault and Acoustic Sounds series. The platform also features editorial content including artist interviews and long-form features on both contemporary and legacy acts.

“The response to Everything Jazz from both fans and artists shows how vital jazz is today, as both a growing, global movement and through thriving local scenes around the world,” said Tina Poyser, Vice President of Everything Jazz.

“The future of jazz is deeply entwined with its fascinating history and diverse recorded legacy, and the expansion of Everything Jazz reflects both the depth of the catalogue and fans’ enduring passion for quality and excellence,” Poyser added.

“The response to Everything Jazz from both fans and artists shows how vital jazz is today, as both a growing, global movement and through thriving local scenes around the world.”

Tina Poyser, Everything Jazz

Led by a dedicated team of curators, writers, editors, and producers, Everything Jazz features exclusive interviews with artists including Samara Joy, Julian Lage, Gregory Porter, Jon Batiste, Brandee Younger, Jeff Goldblum, Maya Delilah, and Jacob Collier, alongside in-depth features on artists such as John Coltrane, Ella Fitzgerald, Norah Jones, and Charles Lloyd.

The launch coincides with Everything Jazz’s first major initiative, (Re)Discover Jazz — a month-long series of 20 digital lessons curated by the platform’s editorial team, exploring the genre’s history, key subgenres, artists, and labels, to mark Jazz Appreciation Month in April.

The initiative has attracted hundreds of registered fans following an exclusive preview to mailing list subscribers in January 2026, according to the company, and is now available online, with plans to expand into multiple languages.

“It’s incredibly exciting to see a store dedicated to the best in jazz launched on a global scale.”

Jamie Krents, Universal Music Enterprises and Verve Label Group

Don Was, President of Blue Note Records, said: “Everything Jazz has done tremendous work building an essential jazz destination, combining great storytelling with expert curation. Blue Note is thrilled to see them continue to expand their reach and spread their passion for jazz with audiences around the world.”

Jamie Krents, President and CEO of Universal Music Enterprises and Verve Label Group, added: “It’s incredibly exciting to see a store dedicated to the best in jazz launched on a global scale. With strong curation and a wealth of editorial content and features, the team at Verve is excited to see Everything Jazz become a meaningful destination for anyone interested in the genre.”

Beyond the digital platform, Everything Jazz has partnered with leading jazz festivals worldwide, including the Festival International de Jazz de Montréal, Melbourne International Jazz Festival, Love Supreme, and the EFG London Jazz Festival.

The partnerships have involved festival activations, exclusive product offerings, and on-site editorial coverage.

About the partnership, Tom Lewis, President of Fontana Records, said: “Everything Jazz is a powerful vote of confidence in the global strength of jazz today. The genre is thriving, and the platform has quickly established itself as one of its most dynamic and authoritative destinations. This marks an exciting new global chapter for the platform.”

The launch of Everything Jazz is the latest in a series of moves by UMG to expand the reach of its jazz operations globally. Last year, the company launched dedicated Blue Note Records and Deutsche Grammophon labels in China via its Universal Music Greater China division, focused on scouting and supporting rising Chinese talent.

In 2022, UMG launched Blue Note Records Africa, an imprint dedicated to signing jazz artists from across the African continent.

Interest in jazz catalog has also attracted investment beyond the major labels: Primary Wave struck a partnership last year for the catalog, name, and likeness rights of late jazz pianist Dave Brubeck.

Music Business Worldwide

Pope Leo warned the world is in ‘big trouble’ if Elon Musk becomes the first trillionaire

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Pope Leo warned the world is in ‘big trouble’ if Elon Musk becomes the first trillionaire



  • Pope Leo XIV sounded the alarm over the growing wealth inequality between CEOs and workers—and he singled out Elon Musk’s path to trillionaire status. In one of first formal interviews after being named pontiff last year, Pope Leo said soaring executive paychecks may be putting the world in “big trouble.” This came as a report warned many billionaire signers of Warren Buffett and Bill and Melinda French Gates’ The Giving Pledge are behind in their philanthropy promises.

If Pope Leo XIV had a seat on Tesla’s board, Elon Musk’s $1 trillion pay package would have been dead on arrival.

The 70-year-old pontiff slammed the widening income gap between the working class and the wealthy—specifically calling out the Tesla CEO as an egregious example of executive excess.

“CEOs that 60 years ago might have been making four to six times more than what the workers are receiving, the last figure I saw, it’s 600 times more than what average workers are receiving,” he told Catholic news site Crux in a September 2025 interview. “The news that Elon Musk is going to be the first trillionaire in the world: What does that mean and what’s that about?”

If that is the only thing that has value anymore, then we’re in big trouble,” he continued.

The Pope’s critique came in September 2025 as Tesla’s board approved a $1 trillion pay package for Musk—contingent on his ability to grow the electric vehicle company by eightfold over the next decade.

While Pope Leo is entitled to an over $400,000 yearly salary, on par with U.S. presidents and university chancellors, his concerns reflect broader anxiety about executive compensation. Among the 100 S&P 500 corporations with the lowest median worker pay, the average CEO compensation hit $17.2 million in 2024 as compared to an average median worker pay of $35,570, according to the Institute for Policy Studies. That’s a ratio of 632 to 1.

Billionaires’ wealth is booming—but their philanthropic giving isn’t

While everyday workers continue to struggle with inflation, wage stagnation, and a tightening job market, the wealth of the ultrarich soars. Billionaire wealth increased three times faster in 2024 than it did in 2023, according to Oxfam. And over the last decade, the top 1% increased their wealth by nearly $34 trillion—enough to eliminate annual poverty 22 times over at the highest poverty line.

Last year, Larry Ellison broke the record for the biggest one-day increase ever recorded in the history of Bloomberg’s Billionaire Index—with his net worth soaring $89 billion thanks to his tech firm Oracle’s rapid growth. At time of publication, Ellison’s net worth sits at $230 billion.

At the same time, many billionaires are behind on their pledges to give away their money through The Giving Pledge—the commitment launched in 2010 by Warren Buffett as well as Bill Gates and Melinda French Gates to give away at least 50% of their wealth to philanthropy during their lifetimes or in their wills.

Among the 256 signers, just nine have followed through with the pact; and even among those who donate, it’s largely given to intermediaries, according to the Institute for Policy Studies. Of an estimated $206 billion donated by the original 2010 Pledgers, roughly 80%, or $164 billion, has gone into private foundations.

And while The Giving Pledge told Fortune the IPS report “paints a misleading picture of the impact and intent of Giving Pledge signatories and the spirit and intent of the Giving Pledge,” the organization admitted there remain important questions that aim to “encourage greater giving.”

A version of this story originally published on Fortune.com on September 15, 2025.

More on wealth

  • Warren Buffett says ‘accumulating great amounts of money’ doesn’t achieve greatness—He still lives in a $31,500 Nebraska home and clipped coupons.
  • The world’s wealthiest families adopt these 7 key habits for success, according to JPMorgan.
  • Steve Jobs didn’t actually become a billionaire thanks to leading Apple—but rather from his work with a film company he bought off George Lucas.

This story was originally featured on Fortune.com

Regulator: Bank misled veterans on VA loan refinances

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Regulator: Bank misled veterans on VA loan refinances



Federal officials are ordering a community bank and national mortgage lender to investigate and take corrective action over alleged misconduct that targeted Department of Veterans Affairs borrowers. 

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In a consent order filed in early April, the Office of the Comptroller of the Currency accused The Federal Savings Bank, a Chicago-based depository institution specializing in mortgage lending, of false or misleading disclosures about its VA products on numerous occasions. 

Between 2022 and 2024, deceptive marketing led some homeowners to refinance their loans, unaware they were taking out new costlier mortgages, according to OCC officials. 

“The bank’s deceptive statements induced consumers to obtain VA cash-out refinance loans, which resulted in certain consumers paying significant origination fees and receiving refinanced mortgage loans with significantly increased interest rates and monthly payments,” the order said. 

The infractions ran afoul of section five within the Federal Trade Commission Act prohibiting “unfair or deceptive acts or practices,” OCC said. Among the alleged violations The Federal Savings Bank regularly committed were product misrepresentations hiding the nature of the loans and marketing that offered lower rates and favorable terms borrowers would not see. The OCC also claims the following:

  • Bank employees suggested to consumers the institution had a “special relationship” with the Department of Veterans Affairs. 
  • Millions of deceptive advertisements were sent to consumers stating they had funds available to them and directed them to contact The Federal Savings Bank. The ads disguised the fact they were actually solicitations for VA cash-out refis that required applying for a new mortgage loan.  
  • Some bank employees led customers to believe the interest rate or payments on their cash-out loan would decrease, failing to disclose the mortgages were fixed or explain they might not qualify for future refinancing. 

In addition to ceasing the misconduct, the community bank agreed to hire a third-party consultant to identify all impacted borrowers within 90 days per terms of the order. The bank will then be required to submit to the OCC sixty days later a formal restitution plan that determines the appropriate amount to compensate each customer and a timeline for implementation.  
The agreement to settle the charges via consent order represented neither admission nor denial of the allegations. No response to a request for comment sent to The Federal Savings Bank had been received prior to article publication.

Mortgage volumes at The Federal Savings Bank

During the three-year period covered by the consent order, the bank originated $10.8 billion worth of loans covering 30,361 transactions, according to an IEmergent analysis of Home Mortgage Disclosure Act data. Of that volume, VA-backed originations accounted for a significant portion approaching $5.2 billion for 13,591 units.

In 2025, originations at the bank totaled almost $3.1 billion, with VA mortgages comprising $1.7 billion worth of volume. 

Along with two Chicago-area retail branches, The Federal Savings Bank offers mortgage services in dedicated lending offices located in 14 states.    

The allegations against The Federal Savings Bank bear some resemblance to charges currently in front of another prominent VA lender, Veterans United Home Loans. In a potential class action suit currently under litigation in federal court, plaintiffs similarly claimed the lender engaged in practices that suggested it held direct ties to the Department of Veterans Affairs, and that it steered clients to costly loans. 

Veterans United this week filed a motion to dismiss the claims.



Capital One 360 Savings, Up to $1,500 Bonus and 3.20% APY

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Capital One 360 Savings, Up to $1,500 Bonus and 3.20% APY


Capital One 360 Savings Bonus

Capital One 360 has a new bonus for its high-yield 360 Performance Savings account. New customers can earn up to $1,500. The maximum bonus requires a balance of $100,000. Additionally, this account now earns a 3.20% APY which makes it a better deal. Check out the details below.

How to Earn This Bonus

Here’s how you can earn this signup bonus:

  1. Open a new 360 Performance Savings account with promo code BONUS1500.
  2. Deposit $20,000+ of external funds during the 15-day Initial Funding Period after opening your account.
    • $300 bonus when you deposit $20,000+
    • $750 bonus when you deposit $50,000+
    • $1,500 bonus when you deposit $100,000+
  3. Hold the deposit(s) in your account for 90 days after the 15-day Initial Funding Period ends.
  4. 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. 

Eligibility

  • Offer available nationwide.
  • 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, 2024, 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.

Account Fees

The 360 Performance Savings account has no monthly fees.

Guru’s Wrap-up

This is a good bonus for those who have the kind of money required. You can earn $1,500 if you deposit $100,000 and keep it in the account for 90 days. There are also bonuses of $750 and $300 with deposit requirements of $50K and $20K respectively. But besides the signup bonus, you balance will also earn a 3.20% APY. That’s a competitive rate right now, which is a good deal when combined with the signup bonus.

Bank bonuses are a great way to earn some extra income, often from the comfort of your home. You can take a look at my bank bonus results for 2022 where I made over $6,000. If this bonus is not for you, then you can check our full list of available bank bonuses. You can also access bonuses available in your state by visiting dannydealguru.com/tag/NY-bank-bonus/. Just replace NY with your state or with “nationwide”.

And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here.

💡 Link & Full Details

  • OFFER PAGE
  • Promo Code: BONUS1500
  • Bonus: Up to $1,500
  • Account Type: Savings
  • Availability: Nationwide
  • Type of Inquiry: Soft pull
  • Direct Deposit Requirement: No
  • Other Requirements: $20K-$100K balance for 90 days
  • Credit Card Funding: No
  • Monthly Fee: No
  • Closing Account Fee: No
  • Expiration Date: 12/6/23 1/9/24 No expiration

Help us & other readers. Email us if you find any bank offers!

Three Common Strategies Most Millionaires Use to Build Their Wealth

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Three Common Strategies Most Millionaires Use to Build Their Wealth


If you find value in these articles, please share them with your inner circle and encourage them to Sign Up for my Rich Habits Daily Tips/Articles. No one succeeds on their own. Thank You!
TOM@RICHHABITS.NET

It’s hard to save your way to wealth. It took the average millionaire in my Rich Habits Study between 12 – 32 years to accumulate an average of between $3.3 – $7.4 million.

When asked about the importance of saving, 88% of the millionaires in my Study stated that it was critical to success.

Almost all of the millionaires in my Study used three key strategies to grow their wealth.

#1 Automated Savings

Each Saver-Investor consistently saved 20% or more of their net pay, each pay check. Many accomplished this by automating the withdrawal of a fixed percentage of their net pay. Typically, 10% of their net pay went into employer-sponsored retirement accounts and the other 10% was automatically directed into a separate savings account.

Once a month, the Saver-Investors would then transfer their accumulated 10% monthly savings, into an investment account, such as a brokerage account.

#2 Consistent Investing of Savings

Because the Saver-Investors consistently invested their savings, their investments compounded over time. In the beginning of this Investment of Savings strategy, this compounding was not very significant. But after ten years, their investment wealth began to become significant.

Towards the final years of their working lives, using these two strategies, the Saver-Investors’ wealth grew to an average of $3.3 million.

Similarly, many of the Big Company Climber and Virtuoso Millionaires in my Study adopted these two strategies during their working lives, which significantly added to their stock compensation-related wealth, upon retirement.

The millionaires in my Study who pursued some dream and started a business, whom I call Dreamer-Entrepreneurs, did not have the ability to invest their savings, particularly in the early stages of the pursuit of their Dream. Whatever savings they did have were used as working capital, in those early years, in order to fund their dream.

But, interestingly, once most of these Dreamer-Entrepreneur millionaires began to realize success, in the form of available cash flow, they immediately pivoted and began to employ both strategies into order to preserve and grow the wealth generated by their success.

#3 Frugality

One of the common denominators for Saver-Investors, Big Company Climbers and the Virtuoso self-made millionaires in my Rich Habits Study, was being frugal with their money.

For these millionaires, this frugality began the moment they received their first paycheck.

For the Dreamer-Entrepreneur millionaires in my Study, their frugality started the moment their dream began to create enough cash flow to enable them to save and invest.

What does it mean to be frugal?

Being frugal requires three things:

  1. Awareness – Being aware of how you spend your money
  2. Focus on Quality – Spending your money on quality products and services and
  3. Bargain Shopping – Spending the least amount possible, by shopping around for the lowest price

On its own, being frugal will not make you rich. It is just one piece to the Rich Habits puzzle, and there are many pieces. But being frugal will enable you to increase the amount of money you can save. The more you have in savings, the more money you can invest.

Having money set aside in savings, also allows you to take advantage of opportunities that come along. Without savings, those opportunities pass you by.

Tom Corley Headshot
Tom Corley

Tom Corley is an accountant, financial planner, public speaker, and author of the books “Effort-Less Wealth: Smart Money Habits At Every Stage of Your Life” and “RichKids: How to Raise Our Children to Be Happy and Successful in Life“.  Corley’s work has appeared on CNN, USA Today, The Huffington Post, SUCCESS Magazine, and many other media outlets and podcasts in the U.S. and 27 other countries. Tom is a frequent contributor to Business Insider and CNBC.

richhabits.net/

8 Lakh Rupees for Business Management! 😯✈️#merideanoverseas #studyabroad #shorts #germany #australia

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8 Lakh Rupees for Business Management! 😯✈️#merideanoverseas #studyabroad #shorts #germany #australia



📌Comment “BM” or DM for the link📌

🚀 Navigating Global Education on a Budget: Where to Study for Less! 🌍📚 Discover which countries offer the best financial options for international students, from free education in Italy to affordable business management courses in Japan and Australia.

🌏 Exploring Cost-Effective Study Destinations:
Germany: Ideal for students with a modest budget, needing around 13 to 15 lakh rupees for business management studies.
Italy: Perfect for students with limited funds, offering opportunities to study for free, especially in renowned institutions like the University of Bologna and the University of Milan.
Japan & Australia: Excellent destinations for business management with good PR options, costing only 8 to 10 lakh rupees.

📈 Why Consider These Countries?
Italy: Known for its rich cultural heritage and strong academic framework, Italy offers free education options and a vibrant international student experience, making it ideal for storytelling and immersive learning.
Germany: Offers a robust educational system with relatively affordable tuition fees for high-quality business programs.
Japan & Australia: Not only more budget-friendly compared to Germany for certain programs but also provide favorable post-study work and permanent residency options.

🎓 What You Will Learn:
Insights into managing finances abroad for Indian students.
Overview of scholarship opportunities and how to apply in Italy.
Understanding new visa requirements and job opportunities in each country.

🌟 Your Educational Journey Awaits: Embark on your academic adventure with confidence by choosing the right country that aligns with your financial capabilities and career aspirations.

source

Liquidity as a Product Feature

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Is this the end of deep, liquid markets? Not quite—but the model has changed.

Liquidity is no longer an abstract concept; it is being tested in real time. Private markets are illiquid; this is well understood. The issue is that liquidity is increasingly engineered at the product level, often creating expectations that may not hold under stress.

This is a subtle but important shift—from an asset characteristic to what a product promises.

  • Practitioners used to ask: How liquid is this asset?
  • Now they should ask: How is this product making it seem liquid—and when does that break?

We see it in redemption pressure across private credit. The broader ecosystem is showing signs of strain: business development companies (BDCs) are trading at persistent discounts to net asset value (NAV), withdrawals are being gated, capped, or delayed, secondary markets are clearing at discounts, and fundraising has slowed alongside weaker distributed to paid-in capital (DPI).

These are not isolated dislocations; they reflect a change in how liquidity is being designed and delivered. What once felt like a stable feature of markets is now proving to be conditional, and increasingly fragile under stress.

When Your Ambition Starts to Exhaust You

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Earlier in your career, you volunteered for hard projects, stayed late, and prided yourself on delivering. It worked. You rose through the ranks, built a reputation for getting things done and became a leader. That was then. Now, the ambition that once energized you exhausts you. And the standards you set feel like a treadmill you can’t step off.



The Market Sold Off Hard. Then It Recovered Fast. Here’s What That Cycle Tells You About Staying Invested Through the Next Crisis.

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The Market Sold Off Hard. Then It Recovered Fast. Here’s What That Cycle Tells You About Staying Invested Through the Next Crisis.


Earlier this year, the S&P 500 (^GSPC +0.26%) fell about 9%, while the Nasdaq-100 dropped 12%. It was the biggest decline for U.S. stocks in about a year and was triggered by the uncertainty over the war in Iran.

For many investors, it was a panic moment. Stock market corrections haven’t been that common over the past few years, so the pain of seeing a loss in their investment values was no doubt very real. But while nobody wants to see the value of their accounts go down, how people react to that situation goes a long way in determining whether those short-term losses turn into long-term underperformance.

Investors who saw their investments decline over the past month and decided to get out before they risked further losses likely missed out on the entire rebound in April. In essence, they did the one thing behavioral finance experts tell you not to do: sell low and buy high (if they bought back in at all).

These types of market swings can teach us a lot about why it’s important to maintain a long-term perspective and not give in to the temptation to make emotional decisions.

Image source: Getty Images.

Key takeaways

  • The S&P 500 fell 9% and the Nasdaq-100 fell 12% through the latter part of March, driven by the war in Iran, rising oil prices, and inflation concerns.
  • In April, both indexes staged rallies following a two-week ceasefire agreement.
  • Investors who sold their stocks during the decline likely did long-lasting damage to their portfolio returns.
  • Bank of America research shows that investors who miss the market’s best days end up losing out on most stock market returns.
  • Quick rebounds after sharp market declines are common. Most investors are better off just waiting things out.

The cost of selling low is significant

When people talk about long-term buy-and-hold investing, it’s not just a platitude. Even in normal times, stocks are volatile. People need to understand that when they go in. They’re usually fine with that when prices are going up. When prices go down, however, that’s when you find out what a person’s real risk tolerance is.

Studies have repeatedly shown that investors usually do damage to long-term returns by trying to time the market or sell when the market is declining. In the latter instance, they usually do the opposite of what they should. They sell low and fail to get back in before prices have already recovered. They’re locking in losses while missing out on subsequent gains. And it’s a recipe for poor returns.

Here’s some of that research in real terms:

  • UBS found that during past geopolitical conflicts where the S&P 500 dropped by 5% to 10% in a matter of weeks, it usually recaptured those losses within six months.
  • Bank of America found that since 1930, a buy-and-hold investment in the S&P 500 would have returned more than 17,000%. If you missed the 10 best days in each decade, the total return drops all the way to 28%.

The general rule is that if stocks fall by around 5% to 10% due to a geopolitical disruption, they’ve demonstrated a historical ability to recover pretty quickly. This is because geopolitical events are usually short-term in nature and rebounds can also occur in the short term. If the stock market decline approaches 20% or more, the recovery period is usually longer.

S&P 500 & Nasdaq-100: Staying invested through the cycle

Metric S&P 500 Nasdaq-100
Index decline (February-March 2026) (9%) (12%)
April recovery Back to all-time highs Back to all-time highs
2026 YTD return (as of 4/15/26) 2.4% 3.4%
Best use for long-term investors Core diversified holding Core growth holding
Sensitivity to geopolitical shock Moderate Somewhat higher

YTD = year to date.

The biggest lesson out of all of this is that nobody knows when conflicts like this will end. Nor do they know the timeline or potential impact. Because of this, it usually causes more harm than good when people try to trade their investments based on unknown factors.

In most cases, it’s best to ride out short-term volatility and avoid the temptation to do something to your portfolio. As we’ve seen in 2026, the market can swing quickly. The investors who come out ahead are likely to be the ones who react the least.

Let that be a lesson for the next crisis.

Bank of America is an advertising partner of Motley Fool Money. David Dierking has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

Capital One $300-$1,500 Savings Bonus, Requires $20,000-$100,000 Deposit

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Update 4/16/26: Look back period has been massively improved. Not eligible if f 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, 2024, 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.

Previously this was 2022. 

Update 5/3/25: Rate now 3.6%

Update 4/4/24: Deal is back, I don’t see any end date. APY is now 4.35% instead of 4.3%

Update 11/29/23: Extended until 1/9/2024.

Offer at a glance

  • Maximum bonus amount: $1,500
  • Availability: Nationwide
  • Direct Deposit required: None
  • Additional Requirements: $20,000-$100,000 deposit
  • APY: 4.35%APY 4.25% 3.2% APY
  • Hard/soft pull: Soft, as long as you opt out of overdraft protection
  • ChexSystems: Mixed
  • Credit card funding: None
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None listed
  • Expiration date:  12/6/2023

The Offer

Direct link to offer

  • Capital One is offering bonus of up to $1,000 when you open a 360 performance savings account with promo code BONUS1500. The bonus you receive depends on the amount you deposit within 15 days of account opening and you must maintain that balance for 90 days
    • Deposit $20,000+ and get $300 bonus
    • Deposit $50,000+ and get $750 bonus
    • Deposit $100,000+ and get $1,500 bonus

 

The Fine Print

  • 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.
  • 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 2022, 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.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about

Early Account Termination Fee

There is no early account termination fee

Our Verdict

This account earns 4.3% APY, ends up being 10.4% APY over the bonus period once when you take into account the bonus but obviously only lasts for 90 days. Still worth doing for a lot of people and much better than the previous $1,000 bonus and better than other high interest savings rates. We will add this to our list of the best savings bonuses.

Useful posts regarding bank bonuses:

  • A Beginners Guide To Bank Account Bonuses
  • Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
  • PSA: Don’t Call The Bank
  • Introduction To ChexSystems
  • Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
  • What Banks & Credit Unions Do/Don’t Pull ChexSystems?
  • How To Use Our Direct Deposit Page For Bank Bonuses Page
  • Common Bank Bonus Misconceptions + Why You Should Give Them A Go
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Universal Music Group launches Everything Jazz, a new global digital platform for jazz music and culture

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