Capital One 360 Checking
in Checking Accounts from Capital One · Member FDIC
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Would you recommend Capital One 360 Checking to your friends?
| Community Rating | Strongly recommended |
| Monthly Fee | $0 |
| ATM Fee: Out-of-Network | $0 |
| Minimum Balance to Avoid Monthly Fee | $0 |
| APY (Annual Percentage Yield) | 0.1% |
| Number of Reviews | 16 |
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 a monthly maintenance fee.
- No minimum initial deposit. There is no minimum balance required to open an account.
- No ATM fees. Capital One 360 Checking does not charge fees on ATM transactions.
- Free bill pay. Pay your bills to practically anyone in the United States through Capital One.
- Hard credit pull. Capital One may require a hard pull on your credit report to open a checking account.
Capital One 360 Checking Pros & Cons
| Pros | Cons |
|---|---|
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Capital One 360 Checking FAQ
Are checking accounts from Capital One federally insured?
Yes, your Capital One checking accounts 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 360 Checking offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.1% |
Capital One 360 Checking offers an APY of 0.1% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Capital One 360 Checking?
Capital One 360 Checking does not require a minimum initial deposit.
| Description | Amount |
|---|---|
| Minimum Opening Deposit | $0 |
What fees does Capital One 360 Checking charge?
The good news is that this account does not have a monthly service charge.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
| Foreign Transaction Fee (Debit Card) | 0% |
| Monthly Fee | $0 |
| NSF Fee | $9 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $35 |
| Overdraft Protection Fee (per transfer) | $0 |
| Paper Statement Fee | $5 |
| 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 |
| ATM Fee: Out-of-Network | $0 |
What features and perks does Capital One 360 Checking offer?
This account includes the following features:
- Fraud monitoring - Capital One 360 Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Capital One 360 Checking 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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Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 - Visit Site
Other Services by Capital One
View all checking accounts offered by Capital One
Availability
Available in 50 states and Washington, D.C.
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- 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
Feature Breakdown
| ATM Fee: In-Network | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
| Foreign Transaction Fee (Debit Card) | 0% |
| Monthly Fee | $0 |
| Online Bill Pay Fee | $0 |
| Overdraft Protection Fee (per transfer) | $0 |
| Wire Transfer Fee - Domestic (Incoming) | $0 |
| Wire Transfer Fee - International (Incoming) | $0 |
| ATM Fee: Out-of-Network | $0 |
| NSF Fee | $9 |
| Overdraft Item Fee | $35 |
| Paper Statement Fee | $5 |
| Returned Deposit Fee (Domestic) | $20 |
| Returned Deposit Fee (International) | $35 |
| Stop Payment Fee | $25 |
| Wire Transfer Fee - Domestic (Outgoing) | $30 |
| Wire Transfer Fee - International (Outgoing) | $40 |
Capital One 360 Checking Community Reviews
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