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.
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Overall Rating

MyBankTracker rated Capital One 360 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.

A+

MyBankTracker Rating

Customer Rating
Based on 302 Reviews
Financial Health
Based on Texas Ratio: 9.9
Bank Fees
vs. Average
Bank Rates
vs. Average
Mobile Deposits
Mobile Deposits
Mobile Banking
Quality of Mobile Services

Most Helpful Customer Reviews

ad60testing33's Profile Image

Reviewed by ad60testing33

Mar 31st 2015

4 out of 5 marks

great online bank

great online bank with great customer service

Is this review helpful? ▲ Yes 1 ▼ No 0

ad60test53's Profile Image

Reviewed by ad60test53

Mar 31st 2015

4 out of 5 marks

online customer service is helpful

very easy to user online services and customer service is very helpful

Is this review helpful? ▲ Yes 1 ▼ No 0

RickLindgren's Profile Image

Reviewed by RickLindgren

Mar 7th 2015

5 out of 5 marks

Great Customer Service!

We started with ING direct, when 360 took over we were a little concerned, but have been staying with them since because of their exceptional customer service. We recently had to reset our pin and was helped by Lisa, one of their helpful customer service members. She was very helpful and understanding. She knew the process very well and it felt like we were dealing with a close friend. Because of people like her, we plan to stay with 360 for a long time.

Is this review helpful? ▲ Yes 1 ▼ No 1

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
360 Savings

0.75%

$0

$0

NAME RATE (APY) MIN TO EARN APY Min Deposit
IRA Savings

0.75%

$1

$1

NAME RATE (APY) MIN TO EARN APY Min Deposit
360 Checking

0.20%

$0

$1

360 Checking

0.75%

$50,000

$1

360 Checking

0.90%

$100,000

$1

NAME RATE POINTS FEES
30 Year Fixed

3.625%

0.375

N/A

15 Year Fixed

3.125%

-0.25

N/A

NAME RATE POINTS FEES
7/1 ARM

3.00%

0

N/A

5/1 ARM

2.75%

0.125

N/A

TERM RATE (APY) Min Deposit
6 Month CD

0.40%

$0

9 Month CD

0.40%

$0

12 Month CD

0.40%

$0

18 Month CD

0.40%

$0

24 Month CD

0.40%

$0

30 Month CD

0.70%

$0

36 Month CD

0.70%

$0

48 Month CD

0.70%

$0

60 Month CD

0.90%

$0

TERM RATE (APY) Min Deposit
6 Month CD

0.40%

$0

9 Month CD

0.40%

$0

12 Month CD

0.40%

$0

18 Month CD

0.40%

$0

24 Month CD

0.40%

$0

30 Month CD

0.70%

$0

36 Month CD

0.70%

$0

48 Month CD

0.70%

$0

60 Month CD

0.90%

$0

Banking Fees

Type Fee National average
Monthly Inactivity

N/A

$7

Non-Sufficient Fund (Overdraft)

$0

$30

Stop Payment item

$25

$27

Return Deposit

$9

$13

Domestic Wire Transfer (Outbound)

$40

$22

Domestic Wire Transfer (Inbound)

$0

$9

Non-Bank ATM

$0

Free at Allpoint ATMs

$1