| Community Rating | Strongly recommended |
| Monthly Fee | $3 - $12 |
| ATM Fee: Out-of-Network | $0 |
| Minimum Balance to Avoid Monthly Fee | N/A |
| APY (Annual Percentage Yield) | 0.01% |
| Number of Reviews | 5 |
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 0.01%.
- Charges a monthly fee. This account charges a monthly maintenance fee of up to $12.
- No minimum initial deposit. There is no minimum balance required to open an account.
- Free bill pay. Pay your bills to practically anyone in the United States through Qapital.
- Hard credit pull. Qapital may require a hard pull on your credit report to open a checking account.
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) | 0.01% |
Qapital Checking Account offers an APY of 0.01% (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 | Amount |
|---|---|
| Minimum Initial Deposit | $0 |
What fees does Qapital Checking Account charge?
The good news is that this account does not have a monthly service charge.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| ATM Reimbursement Monthly Limit | N/A |
| Bank Teller Fee | $0 |
| Check Cashing Fee | $0 |
| Check Copy | $0 |
| Check Image Service | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
| Foreign Transaction Fee (Debit Card) | 1% |
| Monthly Fee | $3 - $12 |
| NSF Fee | $0 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $0 |
| Overdraft Protection Fee (per transfer) | $0 |
| Paper Statement Fee | $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 |
| ATM Fee: Out-of-Network | $0 |
What features and perks does Qapital Checking Account offer?
This account includes the following features:
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Qapital Checking Account 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.
Qapital Checking Account Disclosure:
Wire Transfers are not possible through the app. Wire Transfers would be handled through your connected checking account.
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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 |
| Bank Teller Fee | $0 |
| Check Cashing Fee | $0 |
| Check Copy | $0 |
| Check Image Service | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
| NSF Fee | $0 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $0 |
| Overdraft Protection Fee (per transfer) | $0 |
| Paper Statement Fee | $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 |
| ATM Fee: Out-of-Network | $0 |
| Foreign Transaction Fee (Debit Card) | 1% |
| Monthly Fee | $3 - $12 |
Qapital Checking Account Community Reviews
Would you recommend Qapital Checking Account to your friends?
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