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  Qapital Checking Account
Qapital Checking Account
in Checking Accounts from Qapital · Member FDIC
Claimed

Qapital Checking Account

Claimed
in Checking Accounts from Qapital · Member FDIC
SuperMoney Net Recommendation Score +83  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +83, equating to 4.7 on a 5 point rating scale.

+83

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

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Highlights
Community Rating Strongly recommended
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.05%
(Verified 07/13/2022)
Monthly Fee $3 - $12
Minimum Balance to Avoid Monthly Fee N/A
Number of Reviews 6

Qapital Checking Account Review

Qapital Checking Account is offered by Qapital, a financial services company founded in 2012 and based in New York, NY. Qapital Checking Account is available in 50 states (and Washington, DC).

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only 0.05%.
  • $0 monthly account fees available. This account charges a monthly service fee of up to $12.
  • No minimum initial deposit. There is no minimum balance required to open an account online.
  • Bill pay. Pay your bills to practically anyone in the United States through Qapital.

Qapital checking account Pros & Cons

Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.

Qapital checking account FAQ

Are checking accounts from Qapital federally insured?

Yes, your Qapital 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 Qapital checking account offer?

Qapital Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

Qapital checking account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Qapital checking account?

Qapital checking account does not require a minimum initial deposit.

Qapital Checking Account Minimums
Description
Minimum Opening Deposit Starting at $0
Minimum Balance to Earn APY $0

What fees does Qapital checking account charge?

The good news is that this account does not have a monthly Service Charge.

Qapital Checking Account Fees
Description
Monthly Fee $3 - $12
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $1 - $4
Bank Teller Fee $0
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Copy $0
Check Image Service $0
Check Cashing Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0

Does Qapital checking account charge overdraft fees?

No, Qapital checking account does not charge overdraft fees.

What features and perks does Qapital checking account offer?

This account includes the following features:

  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Qapital 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.

What is the customer support email for Qapital checking account?

The customer support email for Qapital checking account is support@qapital.com.

How do people rate the customer service and user experience of Qapital checking account?

Overall, Qapital checking account is strongly recommended based on community reviews that rate customer service and user experience.

Qapital Checking Account Disclosure: Wire Transfers are not possible through the app. Wire Transfers would be handled through your connected checking account.
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

Other Services by Qapital

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $0
Minimum Balance to Earn APY $0
Monthly Fee $3 - $12
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $1 - $4
Bank Teller Fee $0
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Copy $0
Check Image Service $0
Check Cashing Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Debit Card
Signup Deposit Requirement $0
APY (Annual Percentage Yield) 0.05%
(Verified 07/13/2022)

Qapital Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +83, equating to 4.7 on a 5 point rating scale.

+83

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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