Last Updated: 01/21/2026
SuperMoney User Recommendation Score +75
Strongly recommended32 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 02/12/2025)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.1%(Verified 02/12/2025)
Disclaimer popup with additional information
Monthly Service Fee
$0(Verified 01/21/2026)
Disclaimer popup with additional information
Number of Reviews
Capital One 360 Checking Review
The Capital One 360 Checking is offered by Capital One, a bank founded in 1933 and based in McLean, VA. Capital One checking account is available in 50 states and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.1% .
- No monthly maintenance fees. 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 when you enroll in Capital One mobile or online banking.
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 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 Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $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 Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $9 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $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 checks1 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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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
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
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Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.1%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +75, or 4.5 on a 5-point rating scale.
+75
-1000+100
No one recommends
Everyone recommends
Capital One 360 Checking Community Reviews
Would you recommend Capital One 360 Checking to your friends?
CA
Cody A.
Mar 14, 2024
May or may not recommend
I would recommend Capital One as a decent credit card to start off with. Make sure that you only use what you can pay back of course. If you have any questions then make sure you get in touch with a friend who is a financial advisor. I wish I knew then what I know now. And if I had to get another one, Capital One is where I would ...Show More
KU
Katie U.
Dec 30, 2023
May or may not recommend
One 360 Checking has proven to be a reliable and customer-centric banking solution. The combination of a user-friendly interface, no monthly fees, competitive interest rates, robust mobile banking, and excellent customer service make it a standout choice for individuals seeking a hassle-free and rewarding checking account experience. rewrite this in a lass dramatic way
BM
Brittani M.
Dec 29, 2023
May or may not recommend
Capital One 360 plan has the best credit card out there in my opinion. With no overdraft fees, no monthly fees and incredible rates, this is the account to have. The customer service is by far the best out there in banking. Every time I had an issue with the account, it was resolved in a matter of minutes. I would highly recommend it.
U
Anonymous
Apr 4, 2023
May or may not recommend
Yes Thank you Capital One yes Manny Manny thank you
U
Anonymous
Mar 29, 2023
May or may not recommend
I have had Capital One 360 checking account for several years and highly recommend them! Their customer service and fraud departments are very friendly, empathetic and understanding. Some of the “facts” listed are incorrect such as “overdraft fee of $35 per an overdraft” WRONG.. it is $0 and your overdraft limit depends on your banking have such as average monthly deposit amounts, how frequently you overdraft, etc. Also they do ...Show More
JA
Jim A.
Jan 26, 2023
May or may not recommend
Have only had great experiences with Capital One. Easy to access my funds, probably the best banking application ever. Customer service is always wonderful and if I have a dispute it's resolved in a timely manner. I wish there was somewhere to get a debit card from instantly if needed, but since they are online only I understand it's the compromise you make.
DS
Dayna S.
Jan 26, 2023
May or may not recommend
NO ATMS FEES!! For someone like me who likes to gamble and travel, THIS IS YOUR CARD! I often find myself using ATMS on trips or at casinos. I love that I can reach for this card knowing there's no fee! I also enjoy receiving 1-5% back for shopping. Highly recommend!
Najee J.
Jan 24, 2023
May or may not recommend
LOVE LOVE LOVE Capital 1 checking accounts. There are no fees . The websites and apps are very easy to use , offering useful information like credit scores and spending habits . Having an account with Capital 1 could help improve finances and spending habits. Their customer service is also top notch. Always 5 star service. Love banking with this company.
U
Anonymous
Dec 15, 2022
May or may not recommend
I have try open checking account 2 months before but this bank services very slowly and I have open chace bank chace bank is easy for open accounts
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I’ve had my Capital one account since 2000, when they were still an internet bank. One of the reasons I opened an account with them was because they don’t have checking, savings or overdraft fees, and you don’t have to have a minimum balance. I can transfer between my accounts with other banks, and their customer service is fantastic. They don’t have many branches but have a large ATM network, ...Show More
EL
Erin L.
Sep 22, 2022
May or may not recommend
I’ve had my Capital one account since 2000, when they were still an internet bank. One of the reasons I opened an account with them was because they don’t have checking, savings or overdraft fees, and you don’t have to have a minimum balance. I can transfer between my accounts with other banks, and their customer service is fantastic. They don’t have many branches but have a ...Show More
Tarah D.
Jul 2, 2022
May or may not recommend
I would definitely recommend Capital One 360 to my friends and family for various reasons. Capital One 360 offers 1 to 5% cash back on shopping options on their several of their credit cards. I currently have 2 credit cards with a 5% cash back option. I also have a Capital One 360 checking account. I love my checking account with Capital One 360 because I ...Show More
KS
Kaya S.
May 24, 2022
May or may not recommend
Yes I recommend this checking account. Although I have had some issues with customer service and being able to contact the company outside of the states, I have gotten a lot of value out of this card and the ability to easily transfer between this account and my savings account. Also the Zelle feature is very very simple and easy.
Sienna B.
May 8, 2022
May or may not recommend
Generally speaking, I haven't had any problems with my Capital One 360 Checking account. The fact that I can always check my credit score for free on the app is great. But what I like most about the account is that there are no foreign transaction fees. I can swipe or even take out money in foreign countries with no problem, even if that country doesn't have Capital One banks. ...Show More
Christopher R.
Apr 16, 2022
May or may not recommend
As a young man who has had many credit cards I can say this is a great option for a few reasons. My favorite one is how easy banking is with them. Never had issues though out my time using there services. Another one of my favorites is no monthly or atm fees. Wich I always find annoying with most other cards. For personal use I will recommend opening a ...Show More
AM
Amin M.
Jan 1, 2022
May or may not recommend
Never ever open account in capital one bank account I lost my phone and I call bank to stop my debit card to someone misuse my card and bank staff say today Sunday debit card department is closed call on Monday... result someone use my debit card and use my lot of money....and I call Chase Bank and they stop my debit card same time....
Alex B.
Feb 24, 2021
May or may not recommend
I have been operating a business for almost 15years now and I have few personal and business checking accounts from different banks. Some of them are super large banks, some of them are middle average banks. However, I dont know how big is Capital One bank, but in any case, Id like to say its probably the best for business owners, for small business owners!
I do get lots of ...Show More
LL
Lucky Lou L.
Jan 6, 2021
May or may not recommend
For me this bank is so popular that I didn't hesitate to apply for a checking account when they sent me an email. I'm trying to boost my credit score so I'm in hunt of banks to open an account with. I chose CapitalOne to be one of them after reviewing their offers and services which I must say, one of the best. They made banking very easy in all ...Show More
JB
J B.
Jan 6, 2021
May or may not recommend
It is reliable and very easy to use; I have not had any problems while using this product. Capital One 360 checking has made paying bills much easier as the money is always right there, and it is quickly available after being deposited into my account. The interface is easy to use and is very user friendly.
BW
Brianne W.
Dec 1, 2020
May or may not recommend
I would recommend this checking account as it has so many good things about it. First off, NO atm fees! How awesome is that? Not a lot of banks have no atm fees! Second great thing, is that it is located in all 50 states! 3rd great thing, is there are absolutely no monthly fees!! So if you are a traveler this would be a great bank to bank with. ...Show More
Showing 20 of 32 reviews
