open capital one checking account online

Huntington provides online banking solutions, mortgage, investing, loans, Open a savings or money market account and start earning interest. Learn More. Compare and open checking accounts options from Capital One. Meet 360 Checking® and MONEY, online checking accounts without the business hours. Add and link external bank accounts to your 360 Checking account. Go paperless. Enroll in paperless statements and view them online or with our.

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Capital One 360 Checking Account Review

Capital One 360 iPhone AppCapital One 360 iPhone App

Capital One may be known best for its popular travel and rewards credit cards.

Capital One 360 is an online banking division of Capital One that also happens to be one of the most popular destinations for people seeking an online bank.

One go-to product is the 360 Checking account, an online checking account that delivers great rates and features without any fees.

In this review, learn more about the benefits of the account to see if it is right for you:

Never Pay a Fee or Deal with a Minimum Balance

Banks these days seem to nickel and dime customers wherever they can.

Monthly maintenance fees, ATM fees, and other fees can cause your balance to dwindle even if you’re a good saver.

The biggest draw of Capital One 360’s checking account is that there is no minimum balance required to open the account.

On top of that, there are no maintenance fees. No matter how much or how little you keep in the account, it will cost the same amount, nothing.

In an age where banks are charging you to hold your money, having somewhere truly safe to keep your cash is invaluable.

Easy to Use Overdraft Line of Credit with No Fees

Capital One 360 makes it so that you're not paying expensive overdraft fees when you spend more than you have in your account.

After you open your account, you can apply for an overdraft line of credit through your online portal.

If your application is approved, you can receive a credit limit as high as $1,000.

When you make a purchase or transaction that exceeds the balance of your account, the difference is borrowed from the overdraft line of credit.

How it works

When you make a purchase or transaction that exceeds the balance of your account, the difference is borrowed from the overdraft line of credit.

Then, you’ll have to make payments on the loan.

The interest rate is high, so you should try to pay it in full to avoid incurring interest charges.

The good news is that the rate is lower than the rate charged by most credit cards.

You can make a payment simply by transferring money from another account into your 360 Checking account.

You’ll get a reminder e-mail that will tell you the minimum you must pay each month.

The good news is that the rate is lower than the rate charged by most credit cards. You can make a payment simply by transferring money from another account into your 360 Checking account.

You’ll get a reminder e-mail that will tell you the minimum you must pay each month.

Another option is to transfer from savings

If you decide to stop using an overdraft line of credit, you can switch to using the savings transfer option.

With the savings transfer, if you try to make a purchase that exceeds your checking account’s balance, the funds will be taken from a 360 Savings account.

Neither the savings transfer nor the overdraft line of credit charges a fee when you use them.

Easy Access to ATMs Nationwide

Capital One 360 will never charge an ATM fee. However, the operator of any out-of-network ATM may impose a surcharge.

The online bank is partnered with the Allpoint ATM network to provide surcharge-free access to more than 40,000 ATMs in the country.

The online bank is partnered with the Allpoint ATM network to provide surcharge-free access to more than 40,000 ATMs in the country.

Also, customers can use any Capital One ATM for free. Its branch and ATM network is present in Connecticut, Washington DC, Delaware, Louisiana, Maryland, New Jersey, New York, Texas, and Virginia.

Capital One also operates café branches in other states, but not every state has a physical Capital One location.

That means that your phone and ATMs will be your primary way to interact with your account.

No Fees for Foreign Transactions or ATMs Too

Keeping with Capital One’s credit card offerings, there are no fees for using your card during international trips.

When making foreign purchases or ATM withdrawals you will have to convert your US dollars to the local currency.

Capital One will automatically do the conversion for you using the market rate at the time of the transaction.

There are no fees charged by Capital One for performing the conversion. Again, you will still be responsible for fees charged by the ATM operators.

Leading Interest Rates on Higher Balances

After the ability to access the money in your checking account, the next most important thing about a bank account is its interest rate.

The Capital One 360 checking account offers three interest rate tiers based on your account’s balance:

  • Less than $50,000
  • $50,0000 to $99,999.99
  • $100,000 or more

Capital One 360’s interest rates tend to beat most national banks, but the lower end rates fall short of the rates offered by online banks.

If you have a lot of money to keep in your checking account you can earn more at Capital One than you can elsewhere.

Otherwise, you might be able to get more interest with a different account.

No Monthly Fees

As mentioned before, the Capital One 360 Checking account does not charge a monthly service fee or other monthly fees.

By keeping your money working for you, you can get closer to achieving your financial goals.

Capital One 360 Checking Account Fees

Monthly Maintenance Fee$0
Out-of-Network ATM Fee$0 (ATM operator fees may apply)
Overdraft Fee$0
Overdraft Protection TransferN/A
Returned Item$9
Stop Payment$25
Deposited Item Returned or Cashed Check Returned$0
Incoming Domestic Wire Transfer$0
Incoming International Wire Transfer$0
Money OrderN/A
Cashiers Check$10

Manage Your Account and Deposit Checks From Anywhere

Capital One strives to make accessing your account as easy as possible.

That’s why they’ve built a nationwide network of ATMs and opened physical banks and café locations.

On top of the convenient ways to get physical cash in your hand, Capital One makes it easy to manage your account online.

You can access your account through a computer to make transfers or pay bills.

You can also manage your account on the go using Capital One 360’s smartphone app.

If you want to deposit a check, it’s easy to do using the account’s mobile deposit feature.

How Does It Compare

Capital One 360 is just one bank out of the hundreds that you could work with. If you need to open a checking account, consider these other banks too.

Axos Bank Rewards Checking

The Axos Bank Rewards Checking account offers one of the best interest rates available from a checking account.

The catch is that you’ll need to jump through a few hoops each month if you want to earn that rate.

To qualify for the highest rate available, you’ll need to receive $1,000 in direct deposits each month.

You also have to use your Rewards Checking Visa debit card 15 times in a month. If you meet one, but not both requirements, you’ll earn a moderate interest rate.

Though using a debit card means you’re passing up cash back or other credit card rewards, you can still get rewarded for using this debit card.

When you log in to your Axos bank account, you’ll see a list of cash back offers. These offers will offer a statement credit of a certain amount if you spend at least a certain amount at the specified store.

Add the offer to your debit card and you’ll automatically receive a statement credit if you meet the requirements.

TIAA Bank Checking

The TIAA Bank Checking Account requires a $5,000 minimum deposit to open. If you can meet that hefty requirement, you’ll get an account with no monthly fees and ATM fee reimbursement.

The main draw of this account is the Yield Pledge.

EverBank promises that its checking account will always offer an interest rate in the top 5% of similar accounts.

If you have an TIAA Bank Checking account you can rest easy that your money is earning as much as it can.

Ally Bank Interest Checking

Ally Bank is one of the biggest online-only banks in the United States. It offers a full suite of financial services, including checking accounts.

Like the Capital One 360 checking account, Ally’s Interest Checking Account offers interest tiers. One interest rate applies to accounts with a balance under $15,000.

The other rate applies to accounts with $15,000 or more. Both rates are lower than the rates that Capital One offers, but Ally tries to make up for it in other ways.

One of Ally Bank’s biggest benefits is that you can receive ATM fee refunds, up to $10 per statement.

No matter where you are in the US, you can use any ATM and get the fee refunded.

That makes it easy to get your cash without having to worry about finding an in-network ATM.

If you’re a heavy cash user or have other accounts with Ally Bank, the convenience of the Ally Bank Interest Checking Account is hard to beat.

Final Verdict

The Capital One 360 Checking account offers a mix of convenience and high interest rates, so long as you have a high balance.

It doesn’t excel in any one category, but it does not lag behind in any either.

If you want a safe, easy place to store your money, the Capital One 360 Checking account is a good choice.

If you know that you want to earn the best rate available or that you need to be able to use any ATM in a pinch, consider a different account.

More:Best Checking Accounts of the Year

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Capital One 360 Savings / Money Market Account Review: My 4 Pros & Cons After 13 Years

Not enough people talk about their finances. For whatever reason, we’ll talk and write about our favorite products – but never about things like banks, lawyers, or doctors. I do a lot of book reviews, but wanted to venture out with something a bit different – a Capital One 360 Savings Account / Money Market review.

See Capital One’s Current Account Options & Rates

Back on January 6, 2006, I ditched my local banks’ one-tenth of 1% interest rate on my personal savings (at the time), and signed up for ING Direct. At the time, online banking was still a new industry. It’s now very normal will a ton of companies to choose from.*

*I also signed up for their Venture Rewards credit card, which has a higher total payback than cashback cards.

In the 13 years since I signed up, ING Direct has become Capital One 360®, and is now one of the largest online banks in America. After 13 years of banking with them, here’s my pros and cons of Capital One 360 (and online banking in general).

Pros of Capital One 360 Money Market / Savings

Consistently High Rates

Due to much lower overhead and scale, online banks typically offer much higher interest rates on savings vs. physical banks. Really, the difference is so much that it’s not even a fair comparison. It was true back in January 2006, and it’s still true today. For example, Capital One 360 is offering a 1.00% current savings rate vs. the lower savings rates for my (otherwise AMAZING) local Atlanta credit union*.

*If you are an Atlantan, check them out here.

Additionally – they are offering a frequently updated 2.00% rate on their money market* savings rate. This is the account where I actually keep my money. It’s in the same dashboard, has the same insurance, and same bank connections. The money is simply legally designated for Capital One to more flexibly lend the money.

*Note about Capital One Money Market Savings vs Traditional Savings – ok, I was totally confused about this for a long time. You can really go down the rabbit hole with this. But basically, a Capital One has more flexibility to make money with money in a Money Market account than with money in a savings account. A money market savings account is just as safe and just as insured, but usually has higher minimums and regulators let them loan the money out in overnight money market funds…thus more money for Capital One and more money passed on to you.

Either way – both those rates are high-ish.

By and large, most banks with physical locations have given up the high-yield savings account market to online banks. The rates they offer are simply too high.

That said, there are a ton of online banks (and online-only versions of offline banks). And that is where the real competition and choice is at.

The trend that I’ve found over the past 12 years is that the bank with the highest savings rate is never consistent. All banks are bound by market rates on loans (where they put your money to make money), and by the rates they can earn or pay on deposits among other banks or the Federal Reserve.

Since all banks make money off that spread, there’ll be a leapfrog & ratchet effect for rates across the board. No one bank will  consistently raise their savings rates as mortgage rates go higher.

Instead, one bank will “sprint out ahead” with a teaser rate, get a bunch of customers, and then drift back down as they are leapfrogged by other banks the next week. But then, the bank that offered the teaser rate has to play the game of “how little can I raise my rates before all my customers leave for the teaser rate at another bank.”

As a consumer, it’s a bit insane to constantly switch bank accounts to get that extra .15% interest rate, especially if you keep your credit frozen. The end goal is to find a bank that offers consistently high rates so that you can just stay and always get a high rate.

The main pro of Capital One 360 (and back when it was ING Direct) is that they are consistently right at the top of interest rates for online banks. When I first started with them, they were less than a tenth off the top interest rate (currently at Goldman Sachs). Right now, GS is at 2.25% for their Money Market Savings compared to Capital One’s 2.00% APY. More than I’d want the spread to be – but nowhere near far enough to tempt me to leave, and certainly high enough to sign up with.

Simple Account Creation

For whatever reason, banks often act like they live in a completely different universe than other industries. Bank accounts can be an absolute pain to open.

However, opening an initial account at Capital One 360 is fairly easy and straightforward (it was when I signed up, and appears to still be so). There’s no account minimums and no faxing or paper trails created.

But what’s really useful for me is how easy it is to create new bank accounts once you’re a customer. When you sign up, your customer ID number is different than your bank account number. This setup creates a sort of umbrella account effect where you get to have separate,distinct bank accounts – but manage them from a single online dashboard.

It’s a particularly good feature to have if you like to have several different savings accounts – each for a different purpose. You can set up automatic deposits into each and have them very much separate..but all within a single dashboard.

Well-Done Feature Set

Beyond the simple account creation, Capital One 360 doesn’t really have a single killer feature. Instead, it really has quite a minimal interface and feature set that simply…works.

Capital One Dashboard

They’ve got scheduled deposits, automatic savings plans, emailed tax documents, an easy to use transfer center, and a mobile app for mobile deposits.

Nothing is super-amazing, but nothing ever breaks either.

They have 24/7 support via email, phone, chat, and even fax. But I have never in 12 years had to contact support.

They were one of the first to sync properly with Mint personal finance software (and it still syncs really easily). They also sync well with Personal Capital and YNAB. They have a nifty Access Key so that the software can sync on its own without actually logging in with your credentials and scraping the information. Nothing exciting, but nothing annoying. In my opinion, that’s the way banking should be.

Mint & Capital One 360

Syncs with Other Capital One Products

Before the Capital One merger, ING Direct was a savings bank only. They did mortgages, but they were really just a savings bank.

When Capital One bought up ING Direct, it was part of a play to become a larger, more diversified financial services company. Capital One started out as a credit card company and has bought its way into becoming basically a bank.

As part of that move, Capital One has been trying to sync up all their products into one single company. That means that your Capital One 360 savings account will also sync with your Capital One credit cards, Capital One Investing (stock brokerage), and any other Capital One services you use.

I have a Capital One Venture Rewards card, and it is informative and useful to have my credit card balances and info right on the same dashboard as my savings account.

I don’t have an investment account (I use Vanguard), but if I did, it would be really useful to have my investment information all in one place as well.

Capital One Credit Card

Syncing up a wide range of products is a good strategy for Capital One. They may start to abuse it, but if they keep it focused on the customer, it’s definitely a pro for signing up with Capital One 360 for anyone with other Capital One accounts.

Cons of Capital One 360

Never the Highest Rates

Capital One 360 may always have high rates, but a pretty major con is that the never seem to have the highest rates. As I said in the pros section, banks have an incentive to keep rates as low as possible without tempting you to leave.  So at times (like in January when other banks are offering slightly higher than Capital One 360’s 2.00% APY current money market savings rate), it can be hard to tell exactly where the trigger line to switch is. You never really know for sure if you’re being strung along, or if you are getting a good deal overall.

As easy as online banking is to set up, it’s still can be a pain to switch bank accounts – especially if you have everything automatically synced up right now. It may be rational to stick with Capital One 360 since they do have consistently high rates. However, it can be a bit annoying and frustrating  in a time of overall low interest rates to see such a low rate of return on your account. To see other banks offer higher rates (even if only for a short time) only adds to the grass-is-greener syndrome.

Upsells to Other Products

Capital One’s growing financial services empire certainly provides convenience to a lot of customers that use their products (as mentioned in the pros section). That said, for customers who don’t use other Capital One products, the constant cross-sells can be annoying.

Capital One hasn’t resorted to pop ups and unsolicited emails (yet), but they certainly advertise their other products within Capital One 360.

It’s a fine line to walk between offering genuinely good offers to current customers, and pushing unwanted advertisements. And it’s also the flipside of the pro of syncing all your accounts.

So far, I’ve been cool with their offers. It hasn’t gotten in the way of the product yet, but for the purposes of a Capital One 360 review – having this tension is a con to consider.

Getting Money Out

In America, we’re stuck with financial plumbing built in the 1970s, which means that often it takes longer for digitized money to move from one bank account to another bank account than it takes for Amazon to ship books via truck from Los Angeles to Atlanta.

Moving money online has gotten a bit better since I first opened my account in 2006, but it’s still a major con to using Capital One 360 (or any online bank for that matter).

Need to dip into your emergency savings? Better hope you can last 3+ days while the money is transferred to your physical bank’s checking account.

In some ways, this con can help you save a bit more by adding an extra hurdle to tapping into savings. It does, however, add an extra layer of planning to your finances.

In 12 years, I’ve only had 2 occasions where I really needed emergency savings quickly (a used car purchase over a weekend and a pretty bad miscalculation with my credit card bill). Both situations turned out fine, and would not have been worth switching to the lower interest rate of a physical bank savings account. It was still not particularly fun – and had me wishing I could just walk down to my local bank teller.

Either way, between credit cards, better planning, and a bit of a buffer in checking, it is possible to work around the time lag. But until America upgrades its financial plumbing, hurdles to getting your money out will be a con for online banking.

Quick aside: Capital One 360 does offer Capital One 360 Checking that attempts to get around this problem. I’ve never seriously considered it, but it’d be worth looking into.


If you’re looking for high rates and a straightforward setup for an online savings account, you should check out Capital One 360’s account options here. Bonus recommendation if you’re already a Capital One customer and can sync your other products.

If you’re just looking for the absolute highest rates – head over to Yahoo Finance here. Also, if you want the highest rates without FDIC insurance, you can always just buy directly into a Money Market fund via a stockbroker like Vanguard (ie, the place where Capital One makes their extra money with Money Market account money). I often use VMMXX as a complement to my Capital One Savings, but it can be a bit confusing…and it’s not insured.

Filed Under: Reviews, Products


Opening a Bank Account Online

People do nearly everything online these days—including big things like applying for jobs, making large purchases and booking travel. But when it comes to the question of how to open a bank account online, is it really as easy as a few clicks or will you end up having to do it in person?

Good news: Setting up a checking or savings account online can be quite simple and take mere minutes. Some people even find that opening a bank account is faster than registering with an online shopping site or app like Uber.1 So how does it work, and what can you expect? How do you know if you’ll even get approved?

First things first: Who can open a bank account online?

As long as you have proof of identity and some credit history, you should be able to open an account. If you’ve had a few bounced checks or have a limited or negative credit history, there’s a chance you’ll have to go into the bank to set up your account in person. Banks need to be able to verify your credit online when you fill out an application, so a limited history might not give them enough information to get you approved.

If you’re concerned about bad credit, there are "second chance" bank accounts in all 50 states, some available online.2 However, they may require a balance or charge fees. Before getting started, it may not hurt to check your credit score with a service like CreditWise. It’s free and could be a good habit to adopt as it alerts you to changes in your score and even possible threats to your identity.

Can you open a bank account online for free?

There are free online bank accounts–both checking and savings–that require no deposit. Some banks will require you to put a little money in your account when you create it. This is called a minimum opening deposit, and it can vary based on the type of account you choose. To put that first deposit in your account, you could use a blank check, transfer money from another account or use a credit or debit card.

What does it take to open a bank account online?

Once you’ve decided which bank you want to use, it’s time to fill out your application online. If you’re under 18, you may need a guardian to co-sign the account. The application process will vary from bank to bank, but it’s helpful to have the following things handy:

  • Your driver’s license, passport or other government-issued ID card
  • Social Security number or Individual Taxpayer Identification Number (ITIN)
  • A blank check, debit card or credit card to make that first deposit

And you’ll usually need an email address, mailing address and a phone number. Once you have that ready, here’s how to open a bank account online:

  1. Go to the bank’s website. Stay safe! Any time you’re entering personal information online, take extra care. Always look for a lock symbol (or https://) next to the URL so you know your connection is safe and secure before entering your info.3 Find the link to "open an account." (Scroll down the homepage to the site map if you’re having trouble finding the link.)

  2. Choose the type of account you want. Most banks let you compare different kinds of accounts to help you decide. Do you want an individual account or do you want to open a joint account online? Do you want things like overdraft protection and the ability to earn interest? From checking and savings accounts to CDs and IRAs, there are many types of accounts you can open online.

  3. Fill out an application. Next, you’ll enter all of your personal information. You might also set up your username and password and create security questions to help protect your account.

  4. Agree to let the bank collect some information. Sometimes, submitting your application will automatically begin the credit check process, but some banks might ask you to review disclosures and privacy policies first. In some cases you’ll have to answer a few legal questions then check a box that lets the bank collect information about you and your credit.

  5. The approval process. Some banks will tell you if you’re approved right away, while others might take a bit longer. You can always log in later to check on the status of your application or call the bank if you have questions. If you’re not approved, you might have to go into the branch to finish the process.

  6. Make your first deposit. Once you’re approved, you’ll want to put some money in your new account. You can do this from another account online or over the phone. If it’s your first account, you may need to do this step in person with cash or a check.

With your account set up, you’re all ready to begin banking online! Depending on the account and its features, you may be able to write checks, pay bills with your bank account online, set up direct deposit and more right away. And remember: Always keep your login and password in a safe place where no one can find it.

Down the road, you may wonder "Can I close a bank account online?" You can, but each bank handles it a bit differently. Sometimes, all it takes is sending a secure message to your bank once you’re logged in.4 Or you may have to call customer service or mail in a form.4 Check your bank’s policy on its website, or stop by if you’d prefer to discuss it in person.

Banking today brings lots of choices, including the ability to get a whole lot done from the comfort of your home. From opening an account to paying bills, online banking was built for convenience–yours.

Of course, there will always be hoops to jump through, but making things simpler while safeguarding your money is what online banking is all about.


How To Open a Capital One Account

If you’re here, you’ve likely decided on or are strongly considering opening a Capital One account. Capital One is the fifth-largest consumer bank in America, and the eighth-largest bank overall. Run by its founder Rich Fairbanks, Capital One is known for its unique approach to banking with its “Capital One Cafes” scattered across the country. 

A recent GOBankingRates survey found that more than 30% of Americans don’t have bank accounts. And many who do never consider moving their assets to another bank — even when they’re offered lucrative sign-up bonuses to do so. Whether you’re a first-time bank account owner or you have experience across multiple banks, learning how to open a Capital One account is as simple as spending a few minutes on this article. 

This guide will cover every step to opening an account with Capital One, as well as main account features, how to avoid fees and whether Capital One is really the right choice for you. 

Jump to a section: 

Steps To Open a Capital One Account

If you’re wondering how to open a Capital One account, you’ve come to the right place. This guide will give you detailed instructions on finding the right account for you, what documents you’ll need to open it, how to apply in person or online and more. 

Related: Best Capital One 360 Promotions and Offers

1. Determine Which Bank Account You Want To Open

The Capital One account you want to open depends on your current banking needs. Are you looking for a bill-pay account to use for rent, utilities and other monthly expenses? Or do you need a secure place to grow that new car fund? 

Capital One has a bevy of checking, savings and CD accounts, but for the sake of simplicity, this guide will talk mostly about its checking and savings options. 

Capital One checking accounts:

  • 360 Checking: Best for people who want easy, no-nonsense bill pay, deposits and transfers
  • MONEY Teen Checking: Best for teens learning the budgeting basics

Capital One savings accounts:

  • 360 Performance Savings: Best for people who want a high-interest savings account
  • Kids Savings Account: Best for parents who want to start their kid’s financial future 
  • 360 IRA Savings Traditional: Best for retirement planners who want the tax advantages now
  • 360 IRA Savings Roth: Best for retirement planners who want the tax advantages later 

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2. Gather Your Personal Information 

You may be asking yourself “What do I need to open a Capital One account?” Well, here are the Capital One account opening requirements. Whether you’re applying for an account online or in person, you’ll need these documents/information. 

  • Personal info (name, date of birth) 
  • Social Security number
  • Contact information (phone number, email, address) 
  • Employment status and income 

If you decide to go to a branch to open an account, you’ll want to bring your driver’s license, state ID or military ID to verify your identity. 

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3. Apply Online or in Person

You can apply to open an account either online or in person. The process should be simple if you have all the required information listed above. 

To apply online, follow these steps: 

  1. Go to the Capital One homepage
  2. Hover over the Checking & Savings tab and select the account you want to open
  3. Click “Open Account” 
  4. Fill out the necessary information 

You can also visit your nearest Capital One branch and have a representative walk you through the application process. This is preferable for customers who are new to Capital One or banking in general. To find a Capital One location near you, use its branch locator and enter your location.

Check Out: Capital One Review: Is It the Right Bank for You?

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What To Do If You Need Help From Capital One Customer Service

If you have questions that could best be answered by a Capital One customer service representative, call one of the following numbers: 

  • General questions: 877-383-4802 
  • Retail branch banking accounts: 800-655-2265 
  • Non-branch accounts: 888-810-4013 
  • Online banking: 877-442-3764

You can also send an inquiry via mail to Capital One Bank, P.O. Box 180, St. Cloud, Minnesota 56302-0180.

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Capital One Account Fees and Features

You may be wondering “What are Capital One’s account types?” Just like any other major bank, Capital One gives you access to a range of checking, savings, CD and retirement accounts. This section will go over the main fees and features of Capital One checking and savings accounts. 

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Checking Account Fees and Features 

Different banks have different policies regarding checking account fees. Capital One, in particular, has no fees for either of its checking accounts. 

Not only does Capital One offer fee-free checking, but it also pays an interest rate of at least 0.20%. Added to the fact that you can visit a network of branches and withdraw money from ATMs without charge, Capital One gives customers plenty of reason to ditch their old accounts. 

Capital One offers two checking accounts: the 360 Checking account and the MONEY Teen Checking account.

Capital One Checking Accounts at a Glance
Fees and Features360 Checking MONEY Teen Checking
Minimum opening deposit$0$0
Monthly service charge$0$0
Out-of-network ATM withdrawal fee$0$0
Overdraft fee$0 (declines transactions that would overdraw) $0 (declines transactions that would overdraw) 
BenefitsNo fees or minimums, interest-bearingNo fees or minimums, interest-bearing

Find Out: Best Checking Accounts of 2020

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Savings Account Fees and Features

Just like its checking products, Capital One savings accounts are fee-free. It should be noted that, like the vast majority of savings accounts, there is a fee of $15 for withdrawals beyond the allotted amount of six per month. 

Capital One makes saving simple with a high-interest savings account for adults, savings account for kids and two IRA accounts. Let’s take a look at some of the fees (spoiler: there are none) and features of these accounts. 

Capital One Savings Accounts at a Glance
Fees and Features360 Performance Savings Kids Savings Accounts 360 IRA Savings Traditional 360 IRA Savings Roth 
Minimum opening deposit$0$0$0$0
Monthly service charge$0$0$0$0
Out-of-network ATM withdrawal fee$0$0N/AN/A
Overdraft fee$0 (declines transactions that would overdraw)$0 (declines transactions that would overdraw)N/AN/A
BenefitsHigh interest and no feesGood interest, fee-free and linked to parent’s accountHigh interest and fee-freeHigh interest and fee-free

Discover: Best Savings Accounts of 2020

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Capital One phone app

How To Avoid Unwanted Fees

Capital One is a fee-free bank, so you don’t have to worry about keeping money in your accounts, taking cash out of an ATM or even overdrawing your account. It’s simple and stress-free banking to its core. 

Monitoring and Protecting Your Bank Account

The main reason that so many Americans won’t use online banking is the fear of fraud. But there are precautions you can take to help prevent fraud from happening to you. If you are a victim of fraud, you can rest assured: Capital One accounts are FDIC insured up to $250,000, so as long as you’re below that amount, you’ll get your money back. 

Here are some steps you can take to avoid fraud: 

  • Use strong passwords.
  • Enable two-factor authentication, meaning your account is accessed with a two-step process including a password and fingerprint or face scan. 
  • Install cybersecurity protection on your computer and phone. 
  • Monitor your transaction history for suspicious activity. 
  • Turn on online banking alerts so you’ll be notified with each transaction. 

Read: How To Find and Use Your Capital One Login

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Should You Open a Capital One Account?

Capital One combines the biggest pros of brick-and-mortar banks and online banks into one. With a network of full-service branches and nearly 40,000 ATMs, you can do your physical banking at Capital One with ease. At the same time, it also offers some of the most competitive interest rates on the market. 

If that weren’t enough, Capital One takes the fees out of banking — you don’t have to worry about a monthly maintenance fee or overdrawing your account. Overall, this big bank is remarkably transparent and catered to its customers. If you choose to open a Capital One account, you more than likely won’t regret it. 

More On Capital One

More on Opening an Account

This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Capital One.


How to Get a Capital One Debit Card

How to Get a Capital One Debit Card

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To get a Capital One debit card, you need to have a Capital One account. You can open a Capital One 360 Checking account online, and other types of accounts with debit cards are available if you drop by a physical branch of Capital One and apply in person. If you already have your account and lost your debit card, call Capital One as soon as possible to have it replaced and avoid liability for fraudulent charges.

Capital One 360 Checking

Capital One 360 is a line of mostly online bank products from Capital One. The Capital One 360 checking account comes with a debit card used to make purchases in stores and online and to make withdrawals from ATMs. Some ATM uses will incur fees, so take a look at the network of fee-free ATMs on Capital One's website if you're deciding if the account is right for you.

You can apply for a Capital One 360 checking account on Capital One's website. You'll need information like your mailing address and Social Security number. Use a computer or smart phone that you trust is secure and not infected with malware. The debit card will normally be shipped to you within a few business days. Funds are typically placed in the account by transferring money from another bank, setting up direct deposit or by making a deposit at an ATM.

If you prefer to speak with someone in person rather than doing everything online, you can also stop by a bank branch to open the Capital One 360 checking account and get answers to any questions you have.

In-Branch Checking Accounts

Other types of Capital One checking accounts with debit cards may be available if you stop by a bank branch. The details of these accounts, including any fees, interest paid and other important factors may vary, so make sure you understand the terms of any account you're considering before you put money into the bank.

Visit a Capital One branch near you and inquire about what types of checking accounts are available, the details of how the debit card works and where it can be used.

Handling a Lost Debit Card

If you lose your Capital One debit card or suspect it was stolen, call Capital One or file a report on the bank's website or in the Capital One online banking app immediately. The bank will freeze the card so that thieves can't use it, and you'll be sent a replacement card. Check your bank balance and transactions online to make sure there are no unauthorized transactions, and report any you find to Capital One as soon as possible.

If you don't have your card and need to get funds out of your account, stop by a Capital One bank branch to make an in-person withdrawal. Alternatively, you can consider transferring funds to another bank where you have an ATM or debit card and making a withdrawal from that account.

When Debit Cards Expire

Debit cards, including those from Capital One, typically have an expiration month and year on them. Your card should be good until the end of this month, but will usually stop working after that.

Capital One will generally automatically send you a new card when yours is set to expire. Make sure your address is up to date. Remember to update the card information any place you use the card online with the new expiration date and, if you have one, the new number.

If your card doesn't come by the end of the month, contact Capital One online or by phone to report that you never received the replacement card.


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4 Replies to “Open capital one checking account online”

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