Capital One Checking Account

Capital One Checking Account

in Checking Accounts from Capital One


Capital One Checking Account


in Checking Accounts from Capital One

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Strongly recommended

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Community Rating Strongly recommended
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee N/A
ATM Fee: Out-of-Network $0
APY 0.2% - 1%


Where is Capital One Checking Account available?

Capital One is based in McLean, VA. It was founded in 1988 and offers banking services in 50 states (and Washington, DC).

Is Capital One Checking Account insured by the FDIC

Deposits in Capital One Checking Account are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor.

What APY does Capital One offer?

Capital One Checking Account offers an APY starting at 0.2% and ranging up to 1% (APY stands for annual percentage yield, rates may change).

Capital One Checking Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.2% - 1%

What are the account minimums for Capital One Checking Account?

Capital One Checking Account does not require a minimum initial deposit.
Capital One Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $0

What fees does Capital One Checking Account charge?

The good news is that this account does not charge a monthly maintenance fee.

Capital One Checking Account Fees
Fees Amount
Non-Sufficient Funds $9
Overdraft Item Fee $35
Returned Deposit Fee (International) $35
Outgoing Domestic Bank Transfer Fee $30
Incoming Domestic Bank Transfer Fee $15
Outgoing International Bank Transfer Fee $40
Incoming International Bank Transfer Fee $15
Paper Statement Fee $5

What features and perks does Capital One Checking Account offer?

This account includes the following features:

  • Free Bill Pay - 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. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
Overdraft Protection Fee (per transfer) $0
Early Account Closure $0
Debit Card Replacement Fee $0
Check Cashing Fee $0
Online Bill Pay Fee $0
Paper Statement Fee $5
NSF Fee $9
Overdraft Item Fee $35
Returned Deposit Fee (Domestic) $20
Stop Payment Fee $25
Foreign Transaction Fee (Debit Card) 3%
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $40
Wire Transfer Fee - International (Incoming) $15
Returned Deposit Fee (International) $35
Wire Transfer Fee - Domestic (Incoming) $15
Bank Account Features
  • Bauer Financial A+/A Rating
  • Debit Card
  • Fraud Protection
  • Free Bill Pay
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
  • No Monthly Maintenance Fee
APY 0.2% - 1%



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