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  Capital One 360 Checking

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Capital One 360 Checking
in Checking Accounts from Capital One · Member FDIC
Claimed

Capital One 360 Checking

Claimed
in Checking Accounts from Capital One · Member FDIC
SuperMoney Net Recommendation Score +70  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +70, equating to 4.4 on a 5 point rating scale.

+70

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

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Highlights
Community Rating Strongly recommended
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.1%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Number of Reviews 27

Capital One 360 Checking Review

Capital One 360 Checking is offered by Capital One, a bank founded in 1933 and based in McLean, VA. Capital One 360 Checking is available in 50 states (and Washington, DC).

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only 0.1%.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • No minimum initial deposit. There is no minimum balance required to open an account online.
  • No ATM fees. Capital One 360 Checking does not charge fees on ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Capital One.

Capital One checking account Pros & Cons

Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Online-only account with no access to physical branches.
  • Higher than average wire transfer fees.

Capital One checking account FAQ

Are checking accounts from Capital One federally insured?

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Capital One checking account offer?

Capital One 360 Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.1%

Capital One checking account offers an APY of 0.1% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Capital One checking account?

Capital One checking account does not require a minimum initial deposit.

Capital One 360 Checking Minimums
Description
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0

What fees does Capital One checking account charge?

The good news is that this account does not have a monthly Service Charge.

Capital One 360 Checking Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $9
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $35
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $40
Paper Statement Fee $5
Online Bill Pay Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0

Does Capital One checking account charge overdraft fees?

Yes, Capital One checking account charges a $35 fee for every overdraft.

What features and perks does Capital One checking account offer?

This account includes the following features:

  • Fraud monitoring - Capital One checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Capital One checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Capital One checking account?

The customer support email for Capital One checking account is support@capitalone.com.

How do people rate the customer service and user experience of Capital One checking account?

Overall, Capital One checking account is strongly recommended based on community reviews that rate customer service and user experience.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Capital One checking account

360 Checking Account, No minimums, no fees, no worries. Access your money & bank almost anywhere with our top-rated mobile app. No fees to open, keep & use, so your money stays where it belongs—with you. 70,000+ fee-free ATMs in more places where you already shop.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Capital One

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View all checking accounts offered by Capital One

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $9
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $35
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $40
Paper Statement Fee $5
Online Bill Pay Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Member FDIC
  • Online-Only Account
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.1%

Capital One 360 Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +70, equating to 4.4 on a 5 point rating scale.

+70

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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