Capital One 360 Checking
in Checking Accounts from Capital One · Member FDIC
Cast your vote
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
- Higher than average APY. Capital One 360 Checking has an annual percentage yield of up to 0.1%, which is higher than the national average interest rate on savings accounts.
- $0 monthly fee. This account does not charge a monthly Service Charge.
- 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.
- Bill pay. Pay your bills to practically anyone in the United States through Capital One.
Capital One checking account Pros & Cons
| Pros | Cons |
|---|---|
|
|
Capital One checking account 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 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 | Amount |
|---|---|
| Minimum Opening Deposit | $0 |
What fees does Capital One checking account 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 |
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.
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.
Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 - (877) 383-4802
- 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
Would you recommend Capital One 360 Checking to your friends?
sorted by
Other Checking Accounts
Capital One Checking Accounts
Loading...
Browse Checking Accounts
- Affinity Federal Credit Union MoreChecking Account
- Bridge City Bank e-Connection
- Citizens National Bank of Cheboygan Free Kasasa Tunes
- City National Bank Student Checking Account
- Community First Bank KASASA Cash Checking Account
- E-Trade Bank Max Rate Checking Account
- First Exchange Bank Take 2 Checking
- First Midwest Bank Midwest Checking
- Members First Credit Union Youth Checking
- Redstone Federal Credit Union Rewards Checking
- TCF Teen Checking
- The Citizens National Bank Interest Checking
