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  Capital One 360 Checking

Capital One 360 Checking

in Checking Accounts from Capital One · Member FDIC

Claimed

Capital One 360 Checking

Claimed

in Checking Accounts from Capital One · Member FDIC

SuperMoney Net Recommendation Score +67%

SUPERMONEY NET RECOMMENDATION SCORE

+67%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly recommended

9 users recommend
2 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.1%
Number of Reviews 12

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 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
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Online-only account with no access to physical branches.
  • Higher than average wire transfer fees.
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?

Capital One 360 Checking Rates & Terms
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.

Capital One 360 Checking Account Minimums
Description Amount
Minimum Initial Deposit $0

What fees does Capital One 360 Checking charge?

The good news is that this account does not have a monthly service charge.

Capital One 360 Checking Fees
Description
Monthly Fee $0
Paper Statement Fee $5
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
NSF Fee $9
Overdraft Protection Fee (per transfer) $0
Overdraft Item Fee $35
Early Account Closure $0
Returned Deposit Fee (Domestic) $20
Debit Card Replacement Fee $0
Bank Teller Fee N/A
Check Cashing Fee $0
Online Bill Pay Fee $0
Stop Payment Fee $25
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) 0%
Wire Transfer Fee - Domestic (Outgoing) $40
Wire Transfer Fee - International (Outgoing) $40
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) $35
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit N/A

What features and perks does Capital One 360 Checking 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 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.
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.

Availability

  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

ATM Fee: In-Network $0
Check Cashing Fee $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) $40
Wire Transfer Fee - International (Outgoing) $40
Bank Account Features
  • No ATM Fees
  • IRAs
  • FDIC Member
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Mobile Banking
  • Nationwide ATM Network
  • Interest Bearing Account
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
  • Online-Only Account
APY (Annual Percentage Yield) 0.1%

Capital One 360 Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+67%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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