Most Popular Accounts
About the Bank
Capital One 360 represents the online banking division of Capital One Bank, one of the 10 largest banks in the country. The bank serves customers online, as well as through Capital One Cafe locations in selected states.
Unlike some online banks which offer just one or two products, Capital One 360 features a full range of banking services. Some of the bank’s most recognizable products include:
- 360 Checking accounts
- 360 Savings accounts
- 360 Money Market accounts
- MONEY, a teen-only checking account
- Kids’ savings accounts
- 360 Certificate of Deposit accounts
The 360 Savings account is one of the better online savings accounts available. This fee-free account features a competitive annual percentage yield for savers, with no minimum amount required to open an account. This account is suited for saving a little or a lot, and all balances earn the same APY. If you’re more of a super saver, the 360 Money Market account takes the APY up a notch, while still maintaining a no-monthly fee status.
Capital One 360’s CD accounts also offer some impressive rates. The highest rate is reserved for five-year CDs but even the one-year CD features an APY that’s hard for other online banks to beat. If you need something for the shorter term, you can opt for a six- or nine-month CD instead. These CDs are low-risk, with guaranteed rates of return and there’s no minimum deposit required to open one.
Both savings and checking account customers enjoy access to Capital One 360’s top-rated mobile app. The app is designed for making easy transfers between Capital One 360 accounts, or between external accounts at a different bank. You can deposit checks anywhere, at any time, with mobile check deposit and its generous daily and monthly limits.
The app makes managing your money on the go easier, and it includes features like digital person-to-person payments powered by Zelle and the ability to link your Capital One 360 debit card to Apple Pay, Android Pay and Samsung Pay. You can set up savings goals through the app to track your savings progress or schedule automatic savings transfers to grow your money consistently.
If you need to stop by an ATM, you have access to a network that includes more than 39,000 fee-free Capital One and Allpoint ATM locations nationwide. You can deposit cash or checks, withdraw money, make transfers or check your balance with no ATM fees. Just take note that unlike some online banks, Capital One 360 doesn’t reimburse you for any foreign ATM fees or surcharges if you use another bank’s machine.
Finally, Capital One 360 takes financial education seriously and offers online banking customers additional tools to improve their money know-how, like the Capital One Wallet app, which tracks your purchases. You can also take advantage of CreditWise from Capital One, which gives you free monthly access to your credit score.
Capital One 360 Fees
- National Average
- Monthly Inactivity N/A $6
- 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 $10
Free at Allpoint ATMs $1.0
Locations & Hours
Locations & Hours
We found bank branches & ATMs within miles of .View Locations & Hours
Latest Customer Reviews
Reviewed By Blockjoshua0 Feb 16, 2018
Capital One 360 Decides to End Banking Relationship
Capital One 360 is the worst online bank that I have ever used. I had an account for a few months everything was fine. I went to the store and my card was declined. I called Capital One 360 and was transferred to Customer Security. They told me that Capital One 360 has decided to end the banking relationship and that no new accounts could be opened in my name. There was no option to appeal whatsoever I am basically banned for life from banking with Capital One 360. They said that they were not obligated to give me a reason why they closed my account and they will send me a check for the remaining balance within 10 business days. I got a disconnection notice from my utility company because I could not pay my bills on time. I got my check in the mail and tried to deposit it in my Wells Fargo account then 2 days later Wells Fargo called me up and said that the check bounced and Wells Fargo has decided to close my account. Wells Fargo said that they would report me to ChexSystems for suspected fraud and they can't give me any of my money. Now I am without a bank account and I have no way to pay my bills or receive my paycheck. I don't know how long the lights will stay on in my home. I asked Capital One to send me a new check and they said that they can't do that because the check that they gave me should not of bounced. Because I am in ChexSystems for suspected fraud no bank will give me an account not even a second chance account. The Suspected Fraud notation will stay on my ChexSystems Report for 10 years and banks will be very strict. Thank You Capital One 360 for ruining my life!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Thank you for your feedback Is this review helpful?
Reviewed By adamp901 Dec 16, 2017
Really horrible experience
I really dislike leaving reviews like this but its deserved. My positive experience as a credit card holder led me to opening C1 checking and savings accounts.
My interactions with the Customer Support team has been excellent. Every member spoken with was polite and really tried to help. Unfortunately, they were roadblocked by a completely unresponsive and inept IT group. Escalations to the Digital Response Team, ironically, resulted in NO response.
The simple act of opening a checking and savings account should not be this complicated.Thank you for your feedback Is this review helpful?
Reviewed By AWM Oct 19, 2017
If you are affluent and travel globally, this is not the bank for you. (CapOne good, CapOne 360 horrible)
Apparently CapOne 360 is geared for people with extremely basic finances who do not travel or leave the US. You cannot do anything online when you are out of the country, as their text-a-code verification process is set up so that it cannot text a US mobile roaming out of the US. And while regular CapOne (which is awesome) can send the code via e-mail, CapOne 360 refuses to do this. I was told that my only option was to FAX a PAPER COPY of a CHECK to set up an ACH connection since they couldn't text me the verification code. It is 2017, almost 2018. And yes, they used the words FAX, PAPER COPY and CHECK all in the same set of instructions. There are not words for this.They also gave me tremendous headache when I was trying to add my husband (yes, legally, married husband of 18 years), on to the money market I opened for us. How is that a security risk? I can understand if it was a joint account and I was trying to drop him and steal all the money before I ran off with the gardener, but I had simply set up the account online and wanted to ADD him - they made it almost impossible *and he is our primary income). These people are nuts, out of touch, and have the worst customer service that I have ever experienced. Not worth the 1.2% money market.Thank you for your feedback Is this review helpful?