Capital One Checking Account

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Capital One Checking Account


in Checking Accounts

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Capital One Bank is a Fortune 500 company and the sixth largest bank in the US by assets. As of 2015 it had $245.4 billion in assets and $199.3 billion in deposits. The bank has 29,640 employees working in 843 branches across eight states and the District of Columbia.

Capital One first started as The Hibernia National Bank in New Orleans back in 1933. After multiple bank acquisitions, it changed its name to Capital One National Association in 2006 and moved its headquarters to Mclean, VA, in 2007. Capital One has an A+ rating with the BBB.

What Are Capital One’s Checking and Savings Accounts Like?

Although Capital One is better known for its credit cards and loans, it also offers full checking and savings services.

The 360 Checking Account is an interest-bearing checking account with no fees and no minimum balances. Rates are tiered according to balance. Accounts with $0 to $49,999 earn 0.20% APY, $50,000 to $99,999 earn 0.75%, and anything above $100,000 earns 0.90%. The account allows customers to pay bills, includes a debit card, and allows mobile banking. There are no overdraft fees, just an 11.50% APR rate on the amount you borrow.

Capital One does not charge account holders for using ATMs, even non-Capital One ATMs. However, owners of non-Capital One ATMs may charge a fee. The only fee you need to worry about is a $9 non-sufficient funds fee, if the bank decides to decline a check for insufficient funds.

The 360 Savings Account is an interest-bearing savings account that doesn’t charge fees or require a minimum balance. Account holders can access their money online or over the phone. You can also create multiple accounts at no additional cost, and set up automatic savings plans to help you save for multiple goals. The account yields a flat 0.75% APY for all balances.
What Are the Advantages and Disadvantages of Capital One’s Checking and Savings Accounts?

We love this about Capital One:

  • No fees
  • No minimum balances
  • Competitive rates
  • Bill Pay
  • Free ATM access
  • Flat 0.75% APY rate on savings accounts, regardless of balance

We don’t like this about Capital One:

  • Rates are competitive but could be higher
  • Higher rates only available to checking account with large balances
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Available in 50 States and Washington, DC
  • 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
Lost Debit Card Fee
Check Cashing Fee
Online Bill Pay
Early Account Closure
Foreign Transaction Fee (Debit Card)
Minimum Balance Fee
In-Network ATM Fee
Out-of-Network ATM Fee
Overdraft Protection Fee (per transfer)
International ATM Surcharge
Stop Payment Fee
Bank Transfer (National)
Overdraft Item Fee
Paper Statement Fee
APY Minimum Balance
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
Bauer Financial A+/A Rating
Account Features
  • Bauer Financial A+/A Rating
  • CDs
  • Checking
  • Debit Card
  • FDIC Member
  • Free Bill Pay
  • Free Debit Card
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
  • No Monthly Maintenance Fee
  • Savings
  • Visa/Mastercard
  • Zero Liability Policy
Savings Interest Rate
Starting at
Starting at
Checking Interest Rate
Starting at


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