Capital One 360

Online Bank,

Capital One 360 logo
A+ MyBankTracker
MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

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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
  • Non-Bank ATM $0.0
    Free at Allpoint ATMs

Locations & Hours

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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!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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    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.

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    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.

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