Best Of Product
Capital One 360 Checking
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Would you recommend Capital One 360 Checking to your friends?
| 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 |
|---|---|
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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?
| 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.
| 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.
| 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.
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Message From Capital One checking account
Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 USA - (877) 383-4802
- Visit Site
- Email Support
Other Services by Capital One
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 |
Capital One 360 Checking Community Reviews
Would you recommend Capital One 360 Checking to your friends?
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