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Last Updated: 01/21/2026

Capital One 360 Checking

from Capital One

Last Updated: 01/21/2026

Strongly recommended32 total votes

27 users recommend

2 users are unsure

3 users don't recommend

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Highlights

Community Rating

Strongly recommended

Welcome Offer

N/A(Verified 02/12/2025)

Rewards

N/A

APY (Annual Percentage Yield)

0.1%(Verified 02/12/2025)

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Monthly Maintenance Fee

$0(Verified 01/21/2026)

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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

Available in 50 states and Washington, DC.
Interest-yielding account.
Debit card.
No charge on incoming domestic or international wire transfers.

No sign-up bonus.
Online-only account with no access to physical branches.

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?

Capital One 360 Checking Rates & Terms

Description

APY (Annual Percentage Yield)

0.1%

Capital One checking account currently 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 Average Balance to Avoid Monthly Service Fee

Starting at $0

Minimum Balance to Earn APY

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.

Capital One 360 Checking Fees

Description

Monthly Maintenance Fee

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network

Starting at $0

NSF Fee

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 checks in your account with a mobile app on your smartphone.
Nationwide ATM network - This account allows you to 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

Headquarters

1680 Capital One Drive

McLean, VA 22102

Visit Site

Email Support

Hours of Operation

SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.1%

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Monthly Service Fee

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Availability

Available in 50 states and Washington, D.C.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
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

SuperMoney 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

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Reviewer Sentiment Over Time

Capital One 360 Checking Community Reviews

Would you recommend Capital One 360 Checking to your friends?

Cody A.

Mar 14, 2024

Would 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

Brittani M.

Dec 29, 2023

Would 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.

Anonymous

Apr 4, 2023

Would Recommend

Yes Thank you Capital One yes Manny Manny thank you

Anonymous

Mar 29, 2023

Would 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

Jim A.

Jan 26, 2023

Would 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.

Dayna S.

Jan 26, 2023

Would 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

Would 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.

Anonymous

Dec 15, 2022

Would 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

Mazhar C.

Nov 25, 2022

Would 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

Erin L.

Sep 22, 2022

Would Recommend

Tarah D.

Jul 2, 2022

Would 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

Kaya S.

May 24, 2022

Would 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

Would 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

Would 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

Amin M.

Jan 1, 2022

Would 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

Would 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

Lucky Lou L.

Jan 6, 2021

Would 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

J B.

Jan 6, 2021

Would 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.

Brianne W.

Dec 1, 2020

Would 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

Keryn S.

Nov 25, 2020

Would Recommend

This checking account from Capital One offers some good interest rates, and I value them because their fees are reasonable. They don't hit you, for example, with outrageously high fees, such as for overdraft and check-bounce. They do have limited branches, however, they are not necessary, as most transactions can be made online without any problems. What's great for travelers is that Capital One don't charge international fees, when using ...Show More

Showing 20 of 31 reviews