When you set up free direct deposit, you may receive your money up to 2 days sooner
You have three options to choose from if you want overdraft service: Next Day Grace, Auto-Decline and Free Savings Transfer. 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
Use over 70,000 Capital One, MoneyPass® or Allpoint® ATMs at zero cost
Unlimited business transactions included each month
Up to 2 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 70,000 Capital One and AllPoint® ATMs
Each month you’ll get unlimited transactions included, along with free Overdraft Protection with a linked Capital One small business deposit account
If you have a Spark Unlimited Checking account, you are eligible for two Spark Basic Checking accounts with this monthly service fee waived, regardless of balance
$5,000 included monthly Cash Deposits at no charge; $1 for every $1,000 deposited after that
Access a network of over 40,000 Capital One and AllPoint® ATMs
I opened this account as a travel card because I spend so much time on the road. I thought it would be a reliable option. I deposited an amount on a Wednesday prior to a business trip the following Tuesday, thinking a week is more than enough time for the transaction to clear from bank to bank. Apparently not. Cap One pulled the money from my account the next day, and did not credit it until the following Wednesday, although their own website claims that deposits take three days max. I called the support center twice, which is apparently in India, only to have the service team member lie to me and assure me that my money would be credited on the day I needed it. Unreliable, untrustworthy, and will be ending all relationships with the company.
I had a terrible experience in September 2021. I tried several times to make a deposit on Capital One app in my smart phone android and never was able. Because the code they were supposed to send me never came through my cell phone. Also tried to set up Zelle the same story. And the worst experience is mailing a couple of checks due to the fact that they don't have any branch in the State of Virginia where I resided. And not able to deposit the checks on their crappy app. I was forced to mail it the another branch. I called customer service on September 19, 2021 and the agent gave me a Capital One address in Charlotte North Carolina and come to find out after calling that branch is that they only process credit cards payment. The check was $700.00 that my church donate to me to pay for my Upcoming Oral Surgery, which I need urgently due to my chronic tooth pain. Now a Manager said that the branch disregarded my check and it's lost. Very upset and disappointed of that turnout they should re-directed to the appropriate department in St. Cloud Minnesota or returned it to me. I signed the check and wrote my checking account number on the back of the check. Now I will not be able to do the Oral Surgery as I was scheduled. Because my church accountant doesn't come in every day and I have been calling and the voice mail is full, and can't take any more messages. Next deposit was a $300.00 check and I made sure and called the customer service that gave me apparently the correct address in St. Cloud Minnesota and they still haven't received it. I am done with this bank checking account. I opened an account online with a Bank 20 minutes from my home in Virginia where I live. Don't ever trust any of the customer service agents. They need to be trained. No one is on the same page, with information concerning depositing checks to the correct address. I am a 67 years old Senior Citizen on a fixed income. And have to go through this major issue. I have me Legal Shield Attorney's in Virginia which are top of the line involved. I also file a complaint with BBB of Richmond VA and they are also on the case. This is horrible. I am very angry and upset, to the point that I am having anxiety episodes and chronic headache. $1000.00 is lot and they are not concerned. I will sue them, I promised. This is all for now.
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Product: Capital One Checking
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nadia_osorio16 @nadia_osorio16
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1 Star Rating
If I could give 0 stars I would. This isn’t like a normal secure bank where if you make payments on your card or if money gets taken out anyway they notify you which most banks do. Their customer service sucks and when you ask get transferred to a different department to see if they have answers your questions they refuse to transfer you or let you speak to someone higher you just keep getting put on hold over and over and over again. They are refusing to help against my fraud case on top of that and are not very helpful and don’t have answers they always give you the ring around but not anymore I am totally done with capital one and I am never baking with them again.
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Product: Capital One Checking
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reviewsformeandu @reviewsformeandu
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1 Star Rating
Worst bank STAY AWAY, have a joint account, with daughter whose in college, everytime they want to verify something, they insist in speaking with her. What's the point of a JOINT account???
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Product: Capital One Checking
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nickinewman @nickinewman
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1 Star Rating
The system software has had a glitch for months not allowing customers to open a new account type, the application process goes in a circle loop. Customers contact customer service who guarantees this is fixed, no problem and yet it is not rectified. After requesting a manager, the manger reported that the system is broken and has been for many months. Management also reports they will request for support to be returned in 20 business days but they cannot help you open an account.
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Product: Capital One Checking
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Jon Juan @JonJuan
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1 Star Rating
I really thought that this bank is a better one, turning out that it’s a nightmare after all. In cases of emergency, they will LOCK your account if you keep on checking your banking app. The say, they do this for security purposes (sending you an otp on top of your password and or face id) but they IMPOSE LIMITS to it, which is absurd. Why on earth would they do that? I was not able to SEND money FOR A LIFE AND DEATH EMERGENCY just because they wanted me to wait for a freaking 24 hours to re access my account. So putting more money to your Capital One and making it your primary bank is a disaster!
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Product: Capital One Checking
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Derrick Hall @derrickhall8792
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2 Star Rating
Mobile deposit is taking 7 days plus to clear. In all of my banking history, has a bank made me wait 7 days long. As soon as my check clear, I’m no longer dealing with these interests hounds. Cashapp or any other establishments want to do business with them also. I feel like I wasted 2 years of my life with this bank.
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Product: Capital One Checking
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Tyler Lindquist @Tjlink1989
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1 Star Rating
Ridiculous you open a 360 checking for a promo to receive $150 bonus and they make you wait 6 months after you meet the requirements to receive your promo $150 bonus!!! I will close both my credit card and 360 checking soon as I receive my bonus
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Product: Capital One Checking
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contact_jdc @contact_jdc
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1 Star Rating
I have small business account with Capital One. It is surprised to me that I found Capital One bank still charges fee for the incoming wire transfer nowadays. I have business account at other banks that have no such charge. I feel I have been robbed. I went to branch asking the manager to waive the fee, the manager told me Capital One doesn't give branch for the fee adjustment. She gave me the customer service number to call. I called the number and spoke to the supervisor. The supervisor told me that he doesn't have the option to waive the fee either. Fed up with the rip-off, I decided to close the account. Then I experienced extreme hardship to do so. The supervisor said he couldn't help me to transfer the remaining balance out to my other Capital One account (I am sure the telephone banking has the capability). I had to log in online to transfer the fund. Now the account balance becomes 0. I thought it would be easy thing to close the account. Instead the supervisor told me that he has to text me some code to do so. However, he told the number that I have on file is ineligible to receive the text. I gave him another good number to use, he told me that same. Capital One sucks, I think it is tactics they set up to rip off their customers. Now with 0 balance in the account, and they don't allow me to close the account, I would be expected to hit with the monthly maintenance fee from Capital One bank.
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Product: Capital One Checking
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alexsmommy1212 @alexsmommy1212
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1 Star Rating
Today I called Capital One 360 to try to find out why somebody was taking money out of my account without my permission when the lady is to verify me they tried to verify me and verify me three times and said that they couldn't in the process they also then told me that they were unable to verify me and that I would need to come into a store there are no stores in the state that I live in so I can't be verified through store she then told me that it was my problem and that they could not help me so the person is taking money out of my account can continue to take money out of my account. If I was you stop using Capital One customer seems a bit absurd. They did nothing to help didn't care to help and still money has been taken out of my account for the past 2 months when I've tried to call them six or seven-eight times they do nothing but tell me they cannot verify me I need to go to a store there are no stores in the state of New Jersey local branches for me to go into but they don't seem to understand this.
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Product: Capital One Checking
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Review Capital One Checking Accounts
Capital One Checking Accounts Q&A
Get answers to your questions about Capital One Checking Accounts below. For more general questions, visit our Answers section.
Yes, Capital One discontinued its Rewards checking account. Points stopped accruing mid-August, and you had until January to redeem the points you have accumulated.
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.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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