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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
Up to two Spark Business Basic Checking® accounts with monthly service fee waivers included.
Spark Business Unlimited Checking is designed for businesses with cash deposit needs under $40,000 per month. If your business does not qualify, please talk to your banker about alternatives, such as Capital One's commercial services, that may better suit your business needs.
Small Business accounts are not intended for commercial clients with annual sales revenues exceeding $10 million. To make sure you get the best product for your business, small businesses that no longer meet these requirements may be converted into an alternate checking product.
Access a network of over 39,000 Capital One and AllPoint® ATMs.
No Checking Accounts Available from Capital One
If you are an authorized representative of Capital One, please contact us to have your products included.
I just spend an hour with the claims department. Great personal attention by the representative but the bank makes it impossible for him to get answers or assume responsibility. He was unable to accomplish the following: - Not able to explain why customer security held a check without informing us. - Not able to explain why a bill setup on line to be paid on March 3, using Capital One bill payer, was still not received by March 16. - Not able to get Capital One to send a note apologizing to the individual who has not received the payment. - Not able to track what went wrong with Bill Payer without having us make a claim and stop the payment. - We were informed that Capital One uses the US Mail and that bills may be paid 8-10 days after the due date and when the funds are deducted from our account. The advertising on the Bill Payer website is false. We also visited a Capital One branch and they said the only thing they could do was give us the number of the claims department.…read more
Capital One has horrible customer service and policies. There were $500 in fraudulent charges made via my checking account. Capital One waits 10 business days to issue a provisional credit the funds pending their investigation. Bank of America, Chase, and basically every other bank I've ever banked with credit your money back IMMEDIATELY. Meanwhile, I've already paid bills from this account. So I'm screwed. Your money WILL NOT BE SAFE AT THIS BANK.
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 much as I want as long as it is replaced within 72 hours again I have DD. So I opted out since they won't pay even a dollar over. I like the no fees but the Overdraft whats the point of offering if you get to pick when.…read more
This bank used to be a good. But now i dont see any good service. I deposited small check and they hold my check for more than 10 business days after 10 days i called them and asked they said they dont know why they hold my check. . And again i deposited one more check And they hold again. And i called to customer care but they didnt make me satisfied.
I reported a fraudulent website that sent me a $1 stuffed animal instead of $500 golf clubs. They said they would check into it and submit it as "goods not delivered" but would get back with me IF they needed anything else. I offered screenshots and photos but they said "not now". A few weeks later after not getting any alerts through the APP that I use I decided to log on using a desktop and found deep inside the website after signing in I had to click on the specific account and then click "account services" and then go to "alerts and messages" then click "view messages" only to find two messages that I could not ever find in the APP. (When my car loan is due I get a big red bubble alert on the home page) When I viewed the messages after a long holiday weekend, the first one asked for additional information which I previously offered and the second one due to a lack of response the claim was denied (within a week). Shocking and Unbelievable. I am now in the process of trying to close my accounts but I spent an hour searching the website for an email or an electronic way to close the account and cannot find anything. The website sucks and the customer service is even worse!…read more
They are closing branches. They have no in house Intuit (Quicken/Quick books) support, and have totally changed their connectivity protocol with 0 support. Fortunately intuit covers their arrogance. Their clever marketing slogan is “What’s in your wallet”? I say “Some banks are too big to fail”. “Cap One is too big and arrogant to succeed”. Now that’s clever. And it’s true. I’m moving my accounts.
THE WORST CUSTOMERS SERVICE EVER. any question you asked them and they can not figure out. they will tell you to hold on, you will wait forever. this happened to me on 3 different occasions. I tried to transfer money from another bank account to capital one 360 and I was having problem for like 3 weeks. I called in almost every day. I was putting on hold for hours.
My card was sent to the wrong address (which was my fault, I mistyped the address upon signing up). I called their number and I was on hold for maybe 2-3 minutes, and the person immediately sent out a new debit card!
NEVER send your child on a study abroad program with the Capital One Debit Card. If you run into problems, the joint account owner (parent), is not able to assist them in any way. The phone verification system doesn't allow for local country phones, and uploading a legal document using email is a nightmare. My child unfortunately was locked out of his account because of a PIN # typo, and he has no access to his money. It took 4 different people to finally allow an email verification, and the process was like pulling teeth. The customer rep said he'd wait on the phone while a document was uploaded but after 4 attempts they disappeared from the call. There are other travel cards with no foreign transaction fees, and the customer service while overseas can't be any worse than Capital One's. Their inability to help a stranded person in a foreign country.…read more
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.”
According to the company’s website, you will be reimbursed for ATM fees of up to $15 per month and there is no fee for using a non-bank ATM. You can find more fees charged for your account here: http://captl1.co/1V68zTG
When opening the account, you can choose the “Fund Later” tab. After receiving your account number, you can then deposit money at an ATM or with a teller at a Capital One branch. Please find the nearest ATM or branch here: http://maps.capitalone.com/locator/.
Say I have $100 in my account and try to withdraw $101 from a foreign ATM. How will the system behave:
A) Disburse $101 and charge outrageous fees
B) Decline the transaction ?
I need a card that behaves according to option B.
The Capital One 360 Checking account does not charge an overdraft fee. You can set up the Free Savings Transfer feature, where the bank will pull funds from your 360 Savings account to pay the overdraft amount. Or apply for an Overdraft Line of Credit, where you'll pay interest only on the amount you borrow. (Annual Percentage Rate of 11.50%. Rate is variable and subject to change.) Please find more details on how the Overdraft Line of Credit works here: http://helpcenter.capitalone360.com/Topic.aspx?category=C3BNKEOOLD#FBNKEOOD02.
Capital One 360 doesn’t charge a conversion fee or a fee for using a foreign ATM network. However, according to the bank, MasterCard may add an “adjustment factor” based on the value of the foreign currency transaction.
You talking about a credit or debit card? You’ll always have to pay a fee using a credit card at an ATM. That’s a cash advance. I don’t think Cap One debit cards charge foreign ATM fees, but there might be a separate fee from the ATM owner. No Cap One cards have foreign transaction fees.
Yes, you should be able to do that. The eligible accounts for the mobile banking service are those where you have access and authority as an authorized signer, according to Capital One’s records; therefore, you should be able to use the mobile banking services even if your account is only 5 days old.
You can fund the account when opening the account by transferring funds from your current checking account. If you do not hold a checking account you can select the “fund later” feature and make a deposit at an ATM, branch or by sending a check via email. Please find more details here: https://helpcenter.capitalone360.com/Topic.aspx?faq=TRANS4.
If you are interested in opening the Capital One 360 Checking account, you will not need to apply for a credit card. You can open a savings account and link that account to the checking account, and when you overdraft the account, the bank will transfer the money from the savings account. Or, you can opt to borrow money from the bank through the overdraft line of credit. The bank will charge you a 11.50% interest on the amount you borrow.
When applying for the Capital One 360 Checking account, you can opt to fund the account later. You can visit a Capital One branch and deposit the money into the account so that the account is activated. Please find the nearest branch here: http://maps.capitalone.com/locator/.
In the event that in a given week, for this product, there were 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 with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.