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The payroll/direct deposit promotion begins on 01/01/2012 and ends on 01/31/2012. The promotion is available to new Capital One Bank checking customers only and is limited to consumers who have not opened a personal checking account and received a cash incentive in the previous 12 months. Direct deposit is subject to your employer or other payor offering the direct deposit option. A payroll/direct deposit transaction of at least $250 must post to your account within 90 days of account opening. You will receive a $100 credit to your checking account approximately 8-10 weeks after the first payroll/direct deposit transaction is posted to your account. Accounts must be in good standing (not in default, closed, suspended or otherwise not in good standing) to receive the cash incentive. Tax refunds are not considered an eligible direct deposit to receive this incentive. This offer is valid on personal checking accounts only. You are eligible for this promotion only if you received this offer from Capital One. This offer cannot be combined with any other Capital One Bank new account opening offer and is strictly non-transferable. Limit one payroll/direct deposit incentive offer per account.

$500 minimum opening deposit required. Advertised rates are available for a limited time only. Effective as of 1/19/2012, a promotional annual percentage yield (APY) of 0.75% applies to account balances of $100,000 or less, and a promotional APY of 0.75% - 0.50% applies to balances of more than $100,000, depending on the account balance. An interest rate of 0.50% will be paid for the portion of your daily balance that is greater than $100,000. Both promotional APYs will expire 365 days after account opening. Upon expiration of the promotional APYs, the standard APY in effect as of that date will apply to the entire account balance. All subsequent Interest Online Checking accounts opened after the first account will also be at the standard APY for your entire balance. This standard APY is subject to change at any time without notice. First order of checks will be free. Capital One Bank online checking products cannot be serviced in Capital One Bank branches. Terms and conditions subject to change.

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Offer valid through January 31, 2012. To qualify for this offer, open a Chase BusinessSelectSM Checking account and deposit a minimum of $2,000 or more into your new business checking account within 30 days of account opening with funds not currently on deposit with Chase or any of its affiliates. Account opening and award of bonus are subject to approval. Limit one business checking account-related bonus/premium per customer per calendar year. Chase reserves the right to withdraw this offer at any time without notice. Attempts to earn multiple bonuses may be voided by Chase, at its discretion. Offer not available to existing Chase Business checking customers, on account conversions or in combination with any other offer and is non-transferable. Checking account must remain open for a minimum of six months or the bonus amount will be debited from the account at closing. Employees of JPMorgan Chase Bank, N.A. and our affiliates are not eligible. Bonus will be deposited automatically into your new checking account within 10 business days after the minimum deposit requirement is met. Bonus may be considered interest reportable on IRS Form.

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New business checking customers, request your $100 cash bonus coupon here. Redeem it when you open a new qualifying Chase business checking account with a deposit of $1000 or more.

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Personal Checking Offer:

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Sovereign Bank is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. © 2012 Sovereign Bank | Sovereign and Santander and its logo are registered trademarks of Sovereign Bank and Banco Santander, S.A. respectively, or their affiliates or subsidiaries in the United States and other countries. MasterCard is a registered trademark of MasterCard International Incorporated. The Sovereign Student Banking package is available for full-time and part-time students between the ages of 17 and 25 attending a college, university or other undergraduate level school. Proof of enrollment required.

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To earn a cash bonus, (1) open a Sovereign Premier, Preferred or Classic banking package which comprises a checking and companion savings account, with a minimum deposit of $25 for checking and a minimum deposit of $10 for savings before 1/31/12; (2) enroll in Online Banking; (3) request a Debit MasterCard® at account opening, and (4) make five purchases with your Debit Card or 1 direct deposit by 3/31/12. When you qualify, we will credit a cash bonus to your new checking account by 4/15/12: $125 for Premier Banking; $75 for Preferred Banking; and $50 for Classic Banking. One credit per customer. The Annual Percentage Yield (APY) on Sovereign Premier Checking is 0.01% on balances less than $15,000, and 0.10% on balances of $15,000 or more; the APY for Statement Savings is 0.10%. These APYs are effective as of 8/1/11 and are subject to change at any time and after the account is opened. Fees may reduce earnings. The amount of the credit will be reported to the IRS as interest on your form 1099-INT for the year in which the bonus was paid. Current personal checking customers or anyone who has had a personal checking account with Sovereign Bank or any of its divisions in the last year are not eligible for this offer. Cannot be combined with other personal checking offers.

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No monthly fee with $20,000 or more in combined balances in checking, savings, money market savings, CDs, IRAs, investments, or loans (otherwise, $30). Mortgages, student loans, credit card balances, unsecured personal loans and lines of credit issued by FIA Card Services, N.A., and the unused portion of any Sovereign credit line are not counted as part of the combined balance. Indirect auto loans obtained through automobile dealers also are not counted.

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