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 305 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

Mellit's Profile Image

Reviewed by Mellit

May 23rd 2015

5 out of 5 marks

So much better!

I switched to capital one 360 because of the overdraft line of credit. I don't usually overdraft, but the times that I have by accident, I got totally reamed by wells Fargo. Like eight overdraft fees in one day. And usually for something dumb, like my husband took out cash without realizing I had bills coming out. It's really painful to lose hundreds of dollars in those fees when you already are on a tight budget. And sometimes you can't cancel scheduled bills in time, even after you know about the negative balance, so those overdraft too. I even turned off overdraft protection with wells Fargo, but they still would allow stuff to go through! They would approve my debit card purchases, or atm withdrawal, and then later when a bill came through they'd go back and charge me an overdraft for ALL of the purchases, not just the bill. Their excuse....that the stated date from the biller preceeded the purchases, even though the actual bill wasn't withdrawn until after the purchases. I'm not sure that's even legal, but they are getting away with it. These big banks will do anything to trap you in these fees. Cap One helped get us back on track. The overdraft line of credit saved my butt a few times, with no fees, which saved me more. I also love how they automatically deduct money from the account when I send a check or payment, even if the check hasn't been cashed. Being a scatter brain, I often forget about payments that I sent, which causes overdrafts. This checking account helps keep me on track. I've also had no issues with customer service. They've always been very nice and informative. I've had a capital one credit card since college. It is literally the only credit card I've ever had that doesn't raise interest rates. It's been the same rate for thirteen years, no matter how high the debt got. Other cards that I had at the same time raised their rates even when I paid faithfully. So, I paid those ones off and now only use the capital one card.

Is this review helpful? ▲ Yes 1 ▼ No 0

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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

3.75%

0.125

N/A

15 Year Fixed

3.25%

0

N/A

NAME RATE POINTS FEES
7/1 ARM

3.00%

0

N/A

5/1 ARM

2.875%

-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

1.10%

$0

30 Month CD

1.10%

$0

36 Month CD

1.50%

$0

48 Month CD

1.76%

$0

60 Month CD

2.20%

$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

1.10%

$0

30 Month CD

1.10%

$0

36 Month CD

1.50%

$0

48 Month CD

1.76%

$0

60 Month CD

2.20%

$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