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Spark Business Unlimited Checking account is eligible for up to two Spark Business Basic Checking accounts with no monthly cycle service fee assessed so long as the Spark Business Unlimited Checking account remains open and in good standing.
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.
Have been trying to call their security line for over a week, I end up on hold for a long time, leave a voicemail, where they promise to call me back within 24 business hours, but never get a call back. Only good if you don't ever need customer service and don't have anything go wrong.
Really like Cap 360, dating back to when the banking was done through ING Direct (the predecessor parent company). The remote deposit is a huge win; you can take a photo of the front and back of a check and have it deposited through your web browser. My brick and mortar bank doesn't come close to ease of use.
The one less than positive aspect of the business is that you cannot have more than one checking account, even as a secondary account holder. My partner and I are joint owners on all of our financial assets and we aren't able to accomplish that with this specific (checking) account. It also makes it impossible to to use one account for personal and one for business. I know of no statutory limitation for the situation.
Still, all in all, there is a reason I have been a customer since 2002.…read more
Do not fall for this banks marketing messages and gimics. Although it is easy to--some of their initial mobile and internet apps and sites are easy to use compared to other banks. Fun, look good. No doubt appealing. And the sell the "no fees" around overdrafts and other service fees. I fell for it hook line and sinker, after frustrations with the big banks. It is the classic "IF IT SEEMS TOO GOOD TO BE TRUE' IT IS. TRUE! What they DON'T tell you is once you transition over--they are NO BETTER, WORSE! Sure "no fees" because how could you possibly over draw if your FUNDS ARE HELD WITHOUT PERMISSION OVER 10-12 DAYS! Just because you opened an "account online". What? THAT IS WHAT THEY SELL! Online only, online banking, use us, its easy, fast, no branch literally "blah blah blah". Unethical and Outright LIES to customers. Sure, all true. Until they get your deposits, and hold them, unecessarily because you opened an account online (Um--isn't that what you say is your differentiator?) and there is "fraud" so we hold all deposits. As in not available. Not a cent. Not one cent of flexiblity. Not matter the circumstances. I have three kids, deposited my HSA reimbursement from a huge national benefit provider. It was my money for the next week. Nope! Jokes on me! Sorry. Wouldn't give it up. Wouldn't reverse it. Wouldn't give me overdraft line of credit. Wouldn't increase my credit card line for the amount. They literally said "yea, well its in the 'fine print". What at .2 font? It was a total SCAM. They hold how many thousands of new account customers in their first 30 days, don't tell them, get the money, HOLD IT, and earn interest or invest. cents on the dollar over a large base--adds up! I literally had no money for 5 days. Thankfully I got my checks on day 6 (still holding my deposit, AND my transfers made from my other bank to move money over. Says 2.95 available balance, with 2750 current balance. For the past 10 days. Saying it will be 3-5 more. Again. "Sorry". HONESTLY DO NOT DO NOT DO NOT USE THIS BANK. Just stay with any other bank, USB, Wells, BOA--they are pure junk. A pure scam unethical NICE HOUSE NO FURNITURE bank. RUN don't WALK!…read more
I love my capitol one checking account. I don't have to have any minimum fee, i won't get charge any monthly fee. I never had a problem with them taking out any money secretly that i didn't know about. If i ever had a problem, i just call customer service and they provide a very little wait time. They are always professional and get my problems fixed. Leaving me to be one very happy customer.…read more
I love this checking account because it is online, and I can do everything through my cell phone without going to a bank. Capital One as a company overall has helped me to save money, build my credit, and have extra money left over. Any time I did have a problem their customer service was helpful and supportive. I have credit cards, a checking account, and a savings account through Capital One, and I am very satisfied with all three.…read more
I have had a capital one 360 online checking account for about 6 months now and I am very satisfied with it. The one thing I like is it has no fees unlike some other banks out there. They also don't charge you for overdrafts, instead they just charge interest on whatever amount you went over on. I think that's pretty fair. I can't complain about them at all.
I absolutely LOVE my Capital One account. It's so easy to use! I have 100% access to my money whenever I want. I have easy access from online right, right up to the ATM. I've had the account for years and never charged hidden or annual fees. There's no surprises, my money is safe and secure all thanks to Capital One!
I initially opened my Capital One checking account for bills only, I split my direct deposit from work between two accounts. I serviced the account entirely online, it was easy by comparison because the website was quite intuitive. When I couldn't find what I was looking for all I had to do was peruse the outer edges of my screen and usually my option was located. My real goal was achieved because with the quick bill pay service all my obligations were paid timely and without incident.…read more
I love this account. I get easy access to my money through the use of ATM's without all the hidden fees. Their customer service is great. When I needed to put a stop payment on a check that was lost through the mail, it was such an easy process without a hefty fee.
I love Capital One. The first time I went into my local Capital One the banker was friendly and eager to help us. He made the application process so simple and frustration free. My experience so far has been awesome. I love that they give you an option to not let any purchases go over your available balance. That's what sold me. After horrible experiences in the past with other banks, it was very relieving to know that was possible. I also love the easy mobile banking. I can be anywhere in the world, and I can check my account right then and there. And it's actually the current balance! No weird "pending" charges. Even when it's pending they still show the money was taken off. I have been with them for 2 years and would choose no other bank.…read more
I've had a problem with a double charge on my checking account. An online store accidentally charged me twice. I called the company and their lines were busy. I called capital one to get it reversed. They made it very hard. After talking with them for almost an hour, they finally agreed to reverse it. It took over 7 days to get the money back in my account. I needed the money for other things but it was held up. I don't blame capital one for the double charge, as it obviously wasn't their fault, but they could've handled the situation better. Other than that, I've had no problems.…read more
Opening a capital one 360 account has been by far one of the best decisions I made since enrolling into direct deposit. The customer service is super friendly and accommodating. The perks are second to none; the interest I collect from my checking account is more than the interest I collect in savings accounts from other banks. It is extremely liberating to know that I can use my card at any ATM and not have to worry about bank fees for using it. This card is super convenient and really great for those who are trying to save up. The only downside is that it does take a little bit longer than expected for funds to deposit in some instances. Regardless this is my go to card when it comes to my debit card.…read more
I love my Capital One 360 account!! With my overdraft credit, and easy atm access it's a relief to say goodbye to all the fees of a standard bank!! Handling cash can be difficult though as not many of the ATMs have the ability to accept deposits.
I use Capital One 360. It's really great for the most part it's just that recently a client paid me in cash and I wanted to deposit it into my 360 account. I called to see if there were a place I could make a deposit and it turns out there wasn't. Though I'm a Capital One client I can't use bank branches because I'm a Capital One 360 client. The only way for me to deposit cash is to use an ATM that allows me to do so. My preference is to hand my money to a person I can see count it and put it where it's supposed to go and not a machine.…read more
I have had an account here for years! I have never had a bad experience. Capital One knows what they are doing and they are always willing to help a customer in need. No matter what transaction I may be dealing with they are helpful, professional and kind to me. I recently moved and had to change my address and the switch was not received completely by the company so I was charged with some late fees. I went into my local branch and spoke with a wonderful employee who not only waived my fees, but made certain that everything would work out for my future with the company. I am very happy with them…read more
So I got my Capital one 360 account , about 3 monthes ago. I absolutely love this account! I will never go back to a traditional account again. I love the fact that my account , I applied for the over draft protection account, which is awesome to know that i always have that on my side if I ever actually need it. I love the customer service, they treat me as if i am actually a valued customer and not just another accont. The Capital one 360 website is so easy to use , and east to understand. I even got the app on my phone which connects, my savings accout and my credit cards, all on one site.! This card literally has NO fees , not minimums, it really makes it a worry free account!…read more
I got a Capital One 360 Checking Account about a year ago after having a lot of frustrations with my previous bank. I have to say that it was one of the best decisions of my life! Capital One knows how to treat customers and I have not had to worry about security breaches or my account getting hacked since joining. The benefits of the checking account fit me perfectly and are very nice too.…read more
Capital One is a great company. They've always been more than helpful whenever I've called with questions or concerns. I don't feel like I am on hold forever waiting for a "real" person. They treat me like a customer that matters. I enjoy banking with Capital One, which surprised me at first since is it somewhat "nontraditional". However, I don't think I'd ever go back to a regular bank.
I have used my Capital One 360 checking account for the past 3 years. I was an original customer of ING before Capital One took over. I like the ease of use and that it is an online bank with name recognition. It fits my personal on the go lifestyle and I love the app for my iPhone. I also utilize the checking account with the Sharebuilder program to buy shares in various companies.
I have been using Capital One 360 Checking before it was owned by Capital One. There are several reasons why I like this account. First of all, there is no minimum deposit required at all. Secondly, there are no over-draft fees. Instead they provide a line of credit that you can borrow against (mine went from $25 to $100). You just pay interest on the amount you borrow, which is nothing compared to the exorbitant fees other banks charge. Lastly, they do not charge any fees for ATM transactions (on top of what you might be charged by the ATM itself). The only disadvantage is that the account is 100% online, but you can deposit checks user their mobile app, and, if you need to, deposit cash using an ATM.…read more
After I initially opened my Capital One High Yield checking account I had some further questions that need to be answered in reference to the different features and options for the account. I decided to call customer service to get a full explanation of my questions rather than go off what I understood from the website. I called customer service and found their computer system was easy to navigate and very easy to understand. I was able to get to the exact person I needed to talk too about bank transfers and what exactly constituted the minimum balance. The customer service agent was knowledgeable and able to answer my questions quickly and effectively. I was extremely pleased with the customer service that was provided by Capital One for my checking account.…read more
I have had Capital one 360 checking for the last 2 years. It is very hassle free because you can link all your other capital one accounts together. I can transfer funds between the accounts for free and there are no hidden fees! The best thing I like about this checking account is there is no minimum fees and no sign up fees.
I liked the customer service right away they were friendly and helped me set up my checking account at Capital one. I'm happy with the interest I earn each month and no fees for the checking account is the way to go! I don't have to worry about this account like banks that close up shop and then you have to change your card. I don't have any worries like that, Capital One has been around for a long time. It is a name I can trust and am glad I opened this account. I never get locked out online and the service is not ever down.…read more
I like 360 checking account because it allows me to have multiple savings accounts linked to it. If you had checks to deposit or cash there is a 2 day waiting period. My initial deposit had initial 10 business day hold time before any additional deposits become available. You can use the ATM for deposits and mobile check deposits . You get great customer service though. No hidden fees or minimums as you earn interest on your everyday money. Free master card provided. There are tons of branches to be found in the west too. You never have to worry about not being able to find an atm or a branch if you need assistance.
I love my experience with Capital One's checking. The customer service has always been prompt and thorough, and everyone has been helpful to me. The cashiers have never had an attitude, the people working the desks are so patient, and they even go above and beyond what is necessary to ensure that your banking goes smoothly. When they say no hassle--they mean it!
I have never been disappointed with my checking account at Capital One. It has automatic bill pay which makes paying utilities and such very easy. The online banking is very usable and rarely goes down or experiences problems. There is also an app for depositing checks that I find very useful. The interest rate is among the best I've found at any bank. I would recommend this account to anyone interested in a good rate and good customer service.…read more
I signed up for the online only checking account through capital one because of a special promotion they were running. I actually like the account and still use it. Mainly as a "fun money" account which I put money in that I can use for whatever I wish. There's no fees with the account so it doesn't hurt to keep it open. I've been satisfied with them so far.
I use the Capital One High Yield Checking Account for the zero fee automatic bill pay. Which is a great feature to have in a checking account today. Other than that the fees are reasonable and they do not do small charge stacking either.The online portal is rather stock but it works well and does not seem to bog down at any time. I have only noticed scheduled downtime very infrequently.
I received an offer to sign up with Capital One 360 for the checking account, if I did so I would receive $50. So of course I jumped on the deal because, why not? I like the account, there are no fees so that's good. They have a good online interface that makes mobile banking easy. I already had another online only checking account with another company but I will be using this one as well.…read more
I signed up for a Capital One 360 account during their 4th of July promotion which netted me $50 to open a checking account. I had trouble signing up and verifying my identity. I called them in a last-ditch attempt to sign up, and their customer service was very helpful. They treated me like a real person, which gave me confidence to keep banking with an internet bank. It was really no different than a brick-and-mortar bank.…read more
I really appreciate having my Capital One 360 checking account. The best thing about it in my opinion is that there are no monthly fees. That means the money I put in my account can stay there and grow interest (at a rate of 0.19% for my finances) if I have the resources that allow me to do that at the time. Sometimes I really struggle to make ends meet, however, and that's another reason Capital One 360 is a good fit for me-- They are the first bank I've heard of that doesn't charge you for overdraft fees! You only have to pay interest on what you borrow and that's fair. This allows me to use my MasterCard even if I'm broke right that second, and the good part is, I dont have to be further in the hole when I DO get some money in. I do wish they didnt charge ATM fees ($2.00), but at least my bank is very close to home so I can usually avoid those. The only thing I can compare it to is my student account I had when I was going to school- HigherOne- and I like mine now better, because my money draws interest. I also enjoy the free online banking.…read more
I have been with Capital One for their 360 checking account for almost a year now. I mainly wanted it for an online only account. Their mobile service for the account is top notch. You can take a picture of a check and have it deposited into your account. It's just so convenient, you don't even need to leave the house.
To be honest I only signed up for a free Capital One 360 checking account in order to receive the bonus that Capital One was offering at the time. Since then though, I have actually liked having the account quite a bit. I have all of my savings accounts with Capital One 360 (formerly ING) and this provides me with very quick and direct access to my savings accounts. For example, I have a boat fund with Capital One 360. I needed $200 cash out of the account in order to get some parts for my motor. Without the free checking account, I would have had to transfer the money into my Wells Fargo account, wait the few days for the transfer to process, then pull the cash out from Wells Fargo. With the free checking account, I was able to go down to a free ATM around the corner from my house and get the cash right then and there. Great feature!…read more
I enjoy that I could sign up for this account online and handle all my business online. Capital One 360 Checking allowed me to quickly create multiple accounts and I use them to save for different goals. The interest is low but adds up quickly if you are using the checking account for savings. I like that unlike a traditional checking account attached to a brick and mortar bank, here I have built in time to think about withdrawals and transfers and I find this causes me to make better financial decisions overall..…read more
Like many others I had an account at ING and it was moved over to Capital One 360. I was worried that there would be many changes but it has really been a smooth and painless transition. On the one occasion I had to call customer service the hold time was very short and the employee was friendly and helpful. It is very easy to transfer money from different account and of course the fact that the account is free is a bonus.…read more
I love the Capital One High Yield Checking account for the simple reason that everyone needs a place to put their money and what better option is there than a checking account that earns interest! There aren't any monthly fees and you can access your money at anytime, the great perk is that the money that is left in the checking account earns interest!
I have a capital one 360 checking account and I love it. I signed up mainly for the online features. I already have a bank I go to for local banking but their online banking options are pretty slim. So it's nice to have an account where I can do everything from my phone, like being able to deposit a check by taking a picture of it. I can't complain at all about capital one, I haven't had any problems with them so far.…read more
I've had a Capital One 360 checking account since back when they were ING Direct. I really like how I can transfer money back and forth using their online tools, and use any ATMs I like. I've never had any problems with this account - no hidden fees, transaction fees, or anything shady like that. All in all I would definitely recommend an account to anybody looking for an easy online checking account.
I have never been unsatisfied with my checking. I have never had one problem. It's an excellent to fee service, very user friendly and no foreign transaction fees which I use from time to time. Customer service is a tad slow but what customer service isn't? I have had to call in on loss of passwords and etc a few times and they are always very friendly and assure that I am who I say I am. I feel absolutely trusting of this company and I love the checking. I also get $20 in my checking account from referrals which is a great incentive and I can deposit my checks right through my smartphone. I would highly recommend.…read more
A: 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 ...show more
A: 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 ...show more
A: Unfortunately, this information is not made available on the bank’s website. Please note that your line of credit limit will depend on your creditworthiness and account history. Please call customer service at 888-464-0727 for more details.
A: Yes, you can use the debit card in Europe. Please note that you will have to notify the bank about your travel plans. You can find more details here: http://helpcenter.capitalone360.com/bnk/Topic.aspx?category=EOCARD1#FBNKEOCD09. Also, the bank will not charge you a foreign transaction fee.
A: 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 ...show more
A: 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/.
A: You can use any ATM with a MasterCard logo. Please note that you should inform Capital One about your travel plans. You can find more details here: https://helpcenter.capitalone360.com/bnk/Topic.aspx?category=EOCARD1#FBNKEOCD09.
A: 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/.
A: You can open the Money (Teen Checking) account. Your daughter will receive a debit card with no foreign transaction fees, monthly service fees or minimum balance requirements. Please visit the following link for more details: https://home.capitalone360.com/teen-checking-account.
A: Your debit card will arrive in 1 to 3 business days. Note that you will have to inform the bank before traveling. Please visit the following link to find which steps you need to take: http://helpcenter.capitalone360.com/bnk/Topic.aspx?category=EOCARD1#FBNKEOCD09.
A: Yes, you can visit a Capital One branch. You can find the nearest branch here: http://maps.capitalone.com/locator/. Note that the Capital One 360 Checking account has no foreign transaction fees as such it would be better to use your debit card when traveling. You should also notify the bank of your ...show more
A: Yes. Please find more details here: https://www.capitalone.com/online-banking/. You can visit the following link to enroll in the online banking feature: https://login1.capitalone.com/enroll/enrollWelcome.do. After enrolling, you can start using the mobile banking feature.
A: Capital One 360 Checking account has no foreign transactions fees. The bank will not apply a fee when withdrawing money from the ATM or when making purchases. Please find more details here: http://helpcenter.capitalone360.com/bnk/Topic.aspx?category=EOCARD1#FBNKEOCD09.
A: According to the bank’s official website the initial deposit can only be made through checks or through your already existing checking account. Please call customer service at 800-289-1992 for more details. You can also find more information here: https://home.capitalone360.com/more-info-checking.
A: Capital One 360 Checking account does not require a minimum balance. Capital One Essential Checking account requires a $300 daily minimum balance to avoid the $8.95 monthly service fee. The High Yield Checking account requires a minimum balance of $5,000 accros checking, savings, Money Market, CD, and brokerage accounts, or ...show more
A: No, you will not be able to withdraw money from a branch. Please find out how you can withdraw money here: http://helpcenter.capitalone360.com/bnk/Topic.aspx?category=C3BNKEOBAS#FBNKEODW02. You should have received your debit card by FedEx within 1-3 business days. Please call customer service at 888-464-0727 for more information regarding your debit card delivery.
A: Yes, you can use your debit card anywhere you see the MasterCard logo. Please note that before traveling you should notify the bank of your travel plans. You can find the steps you need to take here: https://helpcenter.capitalone360.com/bnk/Topic.aspx?category=EOCARD1#FBNKEOCD09.
A: Yes, you can use your debit card anywhere you see the MasterCard logo. Please note that before traveling, you should notify the bank of your plans. Please find the steps you need to take here: https://helpcenter.capitalone360.com/bnk/Topic.aspx?category=EOCARD1#FBNKEOCD09.
A: Yes, you can use your debit card anywhere you see the MasterCard logo. Please note that before traveling, you should notify the bank of your travel plans. Please find more details on pre-travel instructions here: https://helpcenter.capitalone360.com/bnk/Topic.aspx?category=EOCARD1#FBNKEOCD09.
A: Yes, your employer can make a direct deposit to your 360 checking account. To set up a direct deposit please follow one of these options: (1) Give your Capital One 360 Account Number and our Routing Number, 031176110, to your employer, (2) Print the bank’s blank Direct Deposit form and ...show more
A: No, 360 checking is an online-only account. Please find out more details regarding the deposit options available here: https://helpcenter.capitalone360.com/bnk/Topic.aspx?category=C3BNKEOBAS#FBNKEODW01.
A: She can make a cash deposit at an ATM, or write you a check which you can deposit using the mobile check deposit feature. Please find out more details on how to use this feature here: http://helpcenter.capitalone360.com/ingd/Topic.aspx?category=MOBILEBAS#MOBILEBAS1.
A: No, you will be charged a 3% fee on international ATM cash withdrawals from an ATM outside the U.S., Puerto Rico, and the U.S. Virgin Islands. This fee is in addition to fees that may be assessed by the ATM operator and the $2.00 foreign ATM fee that may be ...show more
A: To open a checking account with Capital One, you must be a US citizen or permanent resident with a valid Social Security number. For more information regarding your situation, please call customer service at 800-289-1992.
A: That shouldn’t be a problem, but for more details please call customer service at 888-464-0727. You can also order Capital One’s checks online by following these steps: ttps://helpcenter.capitalone360.com/bnk/Topic.aspx?category=CkbkBasics#Chbk17.
A: When you open your savings account, Capital One uses your checking account information for the initial deposit establishing a link between the two accounts, which will allow you to transfer funds between the two accounts. You can transfer funds from your savings account to your checking account, which will be ...show more
A: Capital One does allow you to link your PayPal account to your checking account, but unfortunately for the time being, customers are having problems when trying to link their Capital One checking account to PayPal. You can reach out to PayPal’s customer service at 1-888-221-1161.
A: You can open a 360 Checking account with Capital One, you will receive a free debit card which your mother can use in Kyrgyzstan. After opening the account you should add your mother as a joint account holder, please find out how to here: https://helpcenter.capitalone360.com/bnk/Topic.aspx?category=OWN1.
A: Yes, Capital One’s Money Debit MasterCard would work for that. The card will be in your daughter's name and she can use it in Spain, but first you should notify the bank about your travel plans for security reasons.
A: 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.
A: Unfortunately, the Capital One Premier Rewards Checking account is no longer available for new applicants. Please find Capital One’s latest checking products here: https://www.capitalone.com/checking-accounts/.
A: If you opened a joint checking account with your fiancé, you should call customer service at 888-464-0727 to ask for a second debit card. If not, you can still add your fiancé as a joint account holder. Please visit the following link to find out the steps you need to ...show more
A: If you live near a 360 Café or Capital One Bank location, you can make a cash deposit at the ATM. You can find the nearest ATM here: https://secure.capitalone360.com/myaccount/banking/atm_locate.vm.
A: 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 ...show more
A: In order to activate your card, you must follow these simple steps:
Sign in to capitalone360.com with your login credentials;
Click on the “Activate Card” link underneath your “360 Checking”;
Enter the last 4 digits of your Card number, and click “Activate Card”.
A: 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.
A: You can open an account with Capital One online, using this link: https://www.capitalone.com/bank/ . If you need to contact the bank by phone, you can find the numbers here: https://helpcenter.capitalone360.com/Contact.aspx?#checkingsaving
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.
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