A MyBankTracker Rating

Capital One 360

About Capital One 360

Capital One 360 is the new name of the former ING Direct online bank. Capital One 360, a division of Capital One, N.A., is the largest direct bank in the United States. Headquartered in Wilmington, Delaware, Capital One 360 isn't like other banks. It does business online, over the phone and by mail. Without the overhead and high operational costs of other banks, it can pass savings onto customers.

Capital One 360 logo

MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful Capital One 360 Bank Customer Reviews

  • J
    Reviewed By Jaylah Feb 18, 2014

    Avoid like the plague

    Since this is not a "brick and mortar" bank, your only way to contact them is either through the web or by phone. You'll basically get a "Mastercard" debit card for access to your funds.

    And when a merchant submits a fraudulent charge on your card, which overdraws your checking account (because why would you keep extra money in checking when it earns at least a slightly higher rate of interest in savings), and then the merchant essentially acknowledges that it was a fraudulent charge by returning the money, this bank will not reverse the overdraft charges. "Because you have a previous 'relationship' with the merchant."

    Their "debit card" safety guarantee is a joke.

    And even if you didn't have a previous "relationship" with a merchant, and report the withdrawal as fraudulent, it takes upwards of 60 days (often much more) for them to "process" things and get your money back to you.

    You'd be better off just stuffing your extra money under your mattress.

    And there are very few ATMs that will allow you to withdraw without additional fees. The only one in the entire town I live in is at Target. Which, by the way, is not open 24 hours.

    Is this review helpful?
  • J
    Reviewed By Jessica314 Mar 12, 2014

    Great but average bank

    I used the link posted below and earned $75

    (Link I found) https://r.capitalone360.com/yFcZaxoNZt

    I opened both a checking account with no min deposit and savings account (Which required a $200 opening deposit)

    My bonus was applied within a day or two after I met the requirements. Requirements where very easy, I just purchased 3 sodas with my debit card and earned $50. The bonus for the savings account was instant.

    CS is fine

    THe reason this bank is just average is because they don't have any innovative features like ING had. Yes they still have the line of credit and no overdraft fees but thats it..

    Would I recommend this bank? Yes I would recommend anyone at least get the bonus!

    Is this review helpful?
  • L
    Reviewed By lewislisa Feb 17, 2014

    Great Bank! Love THEM!!!

    I Love CAPITAL ONE 360! They have several different plans to choose from! I opened the checking account with no minimum deposit! I also earned $50 Bonus by using this

    https://r.capitalone360.com/yFcZaxoNZt

    Their customer service is top notch! the bank really cares about it's customers.. The CS department is located here in america and they are very easy to understand..

    The application process also went very smoothly!! and required no credit check

    This bank has no fees which is great!!

    Is this review helpful?

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
  • Domestic Wire Transfer (Inbound) N/A 0
  • Non-Bank ATM N/A