Last Updated: 01/21/2026
SuperMoney User Recommendation Score +83
Strongly recommended6 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$3 - $12(Verified 01/21/2026)
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Number of Reviews
Qapital Checking Account Review
The 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 annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- $0 monthly account fees available. This account charges a monthly 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 when you enroll in Qapital mobile or online banking.
Qapital checking account Pros & Cons
| Pros | Cons |
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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?
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Qapital checking account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $3 - $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $1 - $4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bank Teller Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $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 checks1 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.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +83, or 4.7 on a 5-point rating scale.
+83
-1000+100
No one recommends
Everyone recommends
Qapital Checking Account Community Reviews
Would you recommend Qapital Checking Account to your friends?
SJ
Sade J.
May 10, 2022
May or may not recommend
This company has very minimum monthly fees which is great in comparison to other checking accounts.
SL
Stephanie L.
Dec 11, 2020
May or may not recommend
A company operating at the highest level; they are the very best in the business. Thank you for making my life easier, you are exceptional and I highly recommend their service.
DE
Daniel E.
Nov 6, 2020
May or may not recommend
Qapital Checking Accounts makes saving fun. It’s more than a simple spare change investing app and more than a robo-advisor, making its monthly fee well worth it for those who just can’t get themselves to start saving. I would strongly recommend.
CE
Chelsey E.
Oct 24, 2020
May or may not recommend
My aunt Rebecca used to bank with Qapital for years. She claimed that the security system was stellar and never ever had a complaint about her monetary activities. Qapital Checking Account has been very dilligent with their customer services and if someone asked if I would recommend this product then I probably would. The only problem I have is the monthly service fee. I feel as if Qapital reduced ...Show More
Ossiana T.
Oct 13, 2020
May or may not recommend
If you have a hard time keeping track of your money, this is a good way to do it. Their automatic billpay is a lifesaver and you also get automatic deductions placed into your savings accounts. If you tend to overdraft, be careful with this app. Otherwise, you should be good to go.
U
Anonymous
Aug 20, 2020
May or may not recommend
Using Qapital has been excellent due to having no to little extra fees! It doesn’t have a minimum initial deposit, and you can check any transaction on your phone. Unlike other platforms, there are no additional charges from using an out-of-network ATM to transferring in and outward both nationally and internationally. This way, it lets me efficiently do transactions anywhere.
Showing 6 of 6 reviews
