Capital One 360 Checking Account

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1 2 3 4 5 Your Rating: Excellent

Info about the Capital One 360 Checking Account has been collected by WalletHub to help consumers better compare checking accounts. The financial institution did not provide the details.

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Capital One 360 Checking Account Rates

$1 - $49,999.99

$50,000 - $99,999.99

$100,000 - $5,000,000

0.199%

0.747%

0.995%

0.2%

0.75%

MINIMUM TO OPEN None

Capital One 360 Checking Account Fees

MONTHLY FEE None
MIN BALANCE TO AVOID MONTHLY FEE N/A
OTHER WAYS TO AVOID MONTHLY FEE N/A

PAPER STATEMENT
FEE Not Offered
OVERDRAFT FEE 13.50% variable
NEGATIVE ACCOUNT BALANCE FEE Info Not Found

Capital One 360 Checking Account ATM & Debit Card Usage

IN-NETWORK ATM TRANSACTION FEE None
ATM NETWORK SIZE 39000 ATMs
OUT-OF-NETWORK ATM TRANSACTION FEE None
REBATE OF ATM OWNER SURCHARGE Not Offered

FOREIGN ATM FEE None
DEBIT CARD Mastercard
DEBIT CARD FOREIGN TRANSACTION FEE None

Capital One 360 Checking Account Additional Info

REWARDS No
ONLINE BILL PAY FEE $0 per month
ADDITIONAL REQUIREMENTS None

You have four options to choose from if you want overdraft service: Auto-Decline, Free Savings Transfer, Next Day Grace, and Overdraft Line of Credit. Your default option is Auto-Decline. You can change your overdraft preference after you open the account. If you are enrolled in Next Day Grace, the overdraft fee is $35 per transaction.
Bounced checks written from your account will incur a $9 non-sufficient funds (NSF) fee, regardless of coverage option
39,000+ Fee-free Capital One® and Allpoint® ATMs.

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Capital One 360 Checking Account Interest Rate Tracker

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at Capital One's
secure site

The graph above is based on WalletHub data. Actual rates may vary. For time periods with multiple applicable rates in our database, based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify the rates, fees, and all terms and conditions with the respective financial institution.

Customer Questions and Answers

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I need emergency cash asap, but I have no money in my account. Can I use my bank debit card as a credit card at the ATM? Reply 9 11

WalletHub

Jan 27, 2016 · @WalletHub

The bank accepts withdrawal that overdraft your account at its discretion. For more information, please get in touch with the customer service department at 1-800-289-1992.

9 Upvotes

How to make a travel notification to use my card at foreign ATMs? Reply 9 8

WalletHub

Sep 1, 2016 · @WalletHub

Please visit the following link to find the travel notification instructions: http://helpcenter.capitalone360.com/bnk/Topic.aspx?category=EOCARD1#FBNKEOCD09.

6 2

9 Upvotes

Is this account FDIC insured? Reply 4 5

WalletHub

Sep 1, 2016 · @WalletHub

Yes, the Capital One 360 Checking account is FDIC insured. Please find more details here: http://helpcenter.capitalone360.com/Topic.aspx?category=C3BNKFDICI#FBNKFDIC02.

4 Upvotes

Does the account have a fee for withdrawals made at foreign ATMs? Reply 5 2

WalletHub

Aug 16, 2016 · @WalletHub

The Capital One 360 Checking account does not charge a fee for withdrawals made at foreign ATMs. Please note that you might be charged a fee by the owner’s ATM.

5 Upvotes

Are there any ATM fees or foreign transaction fees on the Capital One 360 checking? Reply 3 1

WalletHub

Jan 16, 2017 · @WalletHub

No, there are no ATM fees or foreign transaction fees. Please find more details here: https://www.capitalone.com/checking-accounts/online-checking-account/.

8 7

3 Upvotes

How long does it take for the promotional bonus to be applied to a checking account after opening it? Reply 3 4

WalletHub

Sep 1, 2016 · @WalletHub

The promotional bonus will be automatically deposited into your account on day 50 after opening the account. Please note that terms and conditions apply. According to the bank’s website: “Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account, and that have a total of 3 Debit Card purchases or Person2Person Payments (or any combo of the two) post to the account within 45 days of account opening.”

6 4

3 Upvotes

Can I put money on the card at an ATM without any fees? Reply 3

WalletHub

Jul 8, 2016 · @WalletHub

Yes, you can add funds at a Capital One ATM without any fees. Please find the nearest ATM here: https://secure.capitalone360.com/myaccount/banking/atm_locate.vm.

3 Upvotes

I am thinking about opening an account with Capital one 360 to take advantage of the no foreign ATM fee. Can I have more information about this? Is there a catch? Reply 28 18

WalletHub

May 16, 2016 · @WalletHub

No, there’s no catch. Capital One offers no foreign ATM fees for the Capital One 360 Checking account. Please find out more here: http://helpcenter.capitalone360.com/bnk/Topic.aspx?category=EOCARD1#FBNKEOCD10.

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28 Upvotes

Do you have fee-free ATM locations in Medellin, Colombia? Do you have fee-free ATM locations in Rio, Brazil? Reply 2 2

WalletHub

May 20, 2016 · @WalletHub

Capital One does not charge foreign ATMs fees for the Capital One 360 Checking account. Please note that while Capital One will not charge you a fee, the ATM owner might.

2 Upvotes

Does applying for a Capital One 360 Checking affect my credit report/score at all? Reply 1 1

WalletHub

Jan 27, 2016 · @WalletHub

If you apply for a Capital One 360 checking account, the bank will do a “soft pull” that won’t affect your credit score.

1 Upvote

Reviews

Capital One 360 Checking Account Reviews

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Overall Rating: 3.7 / 5

Total Ratings: 575

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By: lisa_script1

i am a little disappointed with this bank. I can't transfer between certain banks. Also the Overdraft Next Day Grace is per their discretion. I had it for about two weeks, working great. I have weekly direct deposit so it always covers the cost. Now they won't let me use it at all. And for no reason since my DD covers it immediately. I have another bank account and I can use my overdraft as… show more

January 4, 2019 · Flag

Capital One 360 Checking Account

Capital One 360 Checking Account Rates

Capital One 360 Checking Account Fees

Capital One 360 Checking Account ATM & Debit Card Usage

Capital One 360 Checking Account Additional Info

Capital One 360 Checking Account Interest Rate Tracker

Customer Questions and Answers

Do you have fee-free ATM locations in Medellin, Colombia? Do you have fee-free ATM locations in Rio, Brazil? Reply 22

Capital One 360 Checking Account Reviews

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Do you have fee-free ATM locations in Medellin, Colombia? Do you have fee-free ATM locations in Rio, Brazil? Reply 2 2