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.
Customer Service #

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Overall Rating

B
Grade

Capital One 360 Report Card

Overall rating score 63%
Customer Rating
Based on 85 Reviews
Financial Health
Based on Texas Ratio: 11.48
Bank Fees
vs. Average
Bank Rates
vs. Average
Mobile Deposits
Mobile Deposits
Mobile Banking
Quality of Mobile Services

Customer Reviews

Most Helpful Customer Reviews

lewislisa's Profile Image

Reviewed by lewislisa

Feb 17th 2014

5 out of 5 marks

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? ▲ Yes 1 ▼ No 2

balasdlkjfda's Profile Image

Reviewed by balasdlkjfda

Feb 18th 2014

2 out of 5 marks

Misleading sales reps...Bait and Switch: STAY AWAY

They took 30 minutes to say I was initially approved.

It then took 3 months and hundreds of hours and constant reassuring that I would be approved before being rejected.

I asked at least four times if we should stop because the process was intolerable. They assured me I was in good standing and they just needed to get the documents. After all that and $500 in expenses, I was turned down.

This group is not trustworthy. If you have any other options....TAKE THEM!

Is this review helpful? ▲ Yes 2 ▼ No 0

Jaylah's Profile Image

Reviewed by Jaylah

Feb 18th 2014

1 out of 5 marks

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? ▲ Yes 3 ▼ No 0

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Bank Rates

NAME RATE (APY) MIN TO EARN APY MIN TO OPEN
360 Savings

0.75%

$0

$0

Learn More
NAME RATE (APY) MIN TO EARN APY MIN TO OPEN
IRA Savings

0.75%

$1

$1

Learn More
NAME RATE (APY) MIN TO EARN APY MIN TO OPEN
360 Checking

0.20%

$0

$1

Learn More
360 Checking

0.75%

$50,000

$1

Learn More
360 Checking

0.80%

$100,000

$1

Learn More
NAME RATE POINTS FEES
30 Year Fixed

4.25%

0.25

N/A

15 Year Fixed

3.50%

-0.25

N/A

NAME RATE POINTS FEES
7/1 ARM

3.375%

0

N/A

5/1 ARM

2.75%

0

N/A

TERM RATE (APY) MIN TO OPEN
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 TO OPEN
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

$6

Non-Sufficient Fund (Overdraft)

$0

$30

Stop Payment item

$25

$27

Return Deposit

$9

$17

Domestic Wire Transfer (Outbound)

$40

$22

Domestic Wire Transfer (Inbound)

$0

$8

Non-Bank ATM

$0

Free at Allpoint ATMs

$1

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