Capital One 360 Checking Account
Capital One 360 Checking Account
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.RatesFeesUsageReviewsQ&AContact
Capital One 360 Checking Account Rates
Capital One 360 Checking Account Fees
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Capital One 360 Checking Account ATM & Debit Card Usage
|ATM Network Size||70000 ATMs|
Capital One 360 Checking Account Additional Info
|$0 per month|
Capital One 360 Checking Account Interest Rate Tracker
Capital One 360 Checking Account Q&A
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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?
How to make a travel notification to use my card at foreign ATMs?
Can I put money on the card at an ATM without any fees?
Is this account FDIC insured?
Does the account have a fee for withdrawals made at foreign ATMs?
Any fees for using ATM abroad ?
Can someone in Europe transfer money to my Capital One 360 Checking account?
Someone in Europe can transfer money to your Capital One 360 checking account via an international wire transfer. You'll need to provide the sender with the name of your bank, the SWIFT code for international transfers, routing number, bank address, as well as your account number.
Are there any ATM fees or foreign transaction fees on the Capital One 360 checking?
How long does it take for the promotional bonus to be applied to a checking account after opening it?
Capital One 360 Checking Account Reviews
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I love my 360 checking. The only downside is that I have to do cash deposits at CVS. Better with Zelle or direct deposit. Avoid deposits checks thru mobile. 360 is not my main bank I do light banking with 360. I also have a credit card with Capitol as well. Happy with both so far. I'm new to 360 not Capitol One, I'll give them a chance.
Fast forward to this week—on Tuesday I made another mobile deposit, the first I’ve done since the incident above. Deposited a check for $2k, and immediately got an email that my funds would be held until the FOLLOWING MONDAY due to “the risk the check may be returned”. Mind you, this is a check from a money market account, not a personal 2-party check, yet they used the “risk of not clearing” excuse. I called the CS line, and was like hey, this check hold is way longer than anything I’ve experienced here before, can you tell me what’s going on? The rep put me on hold for 20 minutes to “speak to the review team”, came back on and said “no problem, we do have to hold it for at least 24 hours so call back Thursday and we can get the hold released early, I’ve put a note on your account”. Great! So I wait until Thursday morning (today). I call back and let the rep know of my conversation. He places me on hold for 5 minutes, comes back and informs me that they will indeed NOT be releasing the check earlier, that it will be Monday. I pointed out my Tuesday conversation and he said he was very sorry, but that the rep must have lied to me. Um, what? I ask if there’s any recourse that I have—I’m then transferred to another agent who almost immediately sent me to a manager. I thought I might finally get somewhere, but THIS useless human on a power trip (newsflash: you’re an accounts manager at Capital One, it’s not impressive) keeps saying “we’re entitled to hold funds for this timeframe, it only SEEMS long because there’s a weekend in there and weekends are not business days”, like thank you so much, I’m an idiot and had NO idea that Saturday and Sunday weren’t business days.
Bottom line—I’ve always had a balance of $2k+ in my account. I’ve never overdrafted. I’ve been a Capital One credit customer for 18 years and a banking customer for 2. If, on Tuesday, I’d been told that no, there’s no way the check will be released before next Monday, I would have said ok well guess I’m depositing checks into my other bank account instead moving forward—other than the hold annoyance it wouldn’t have been the end of the world. But I was blatantly LIED to, given the run around, and then told repeatedly that they were “entitled” to keep them this long.
Know why banks hold check deposits? Because they get interest on that “float” amount while it sits there before clearing, along with the interest they get once it’s deposited. They’re essentially legally double dipping and making money twice, and they can choose to keep it longer any time they want, for no reason at all.
Since I now have another 4 days to wait until my check clears, I’ll be moving everything in there to my primary bank account at that time. I’m done with their ridiculous account shut downs, deposit hold times (literally the longest I’ve ever experienced), and being LIED to.
As soon as we get it resolved, we will be closing our accounts. It feels like they are holding onto money for some reason and putting up random obstacles for account holders. Maybe they are going south? RUN!
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