We work hard to present you with accurate savings account information on this page. However, this information does not originate from us and therefore we cannot guarantee its accuracy. You can check the details page of each offer for the date the information was last updated on WalletHub. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicants' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as "Sponsored" on the offer's details page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to list as many savings account offers as possible but we don't make any representation of listing all available offers.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, non-sponsored offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Introducing 360 Money Market from Capital One®. It’s an online and mobile account that delivers one of the nation’s best savings rates—without the fees.
A statement copy charge of $5 per statement may be charged for statements generated within the last 2 years.
Capital One reserves the right to return any deposit to you that causes the combined balance of all of your accounts with them (including any jointly owned, or in the case of an account owned by a living trust, jointly managed accounts) to exceed $5,000,000.
At certain ATMs owned and operated by Capital One Bank located in gaming establishments and at certain other non-branch locations having no Capital One signage, you may be charged a fee up to $5 for each cash withdrawal.
The amount of the fee varies by location and will be displayed on the ATM screen.
They make too many mistakes. I have a Capital One 360 account that was originally and ING account. I would be out $1790 if I didn't catch their mistake, then I asked them for my statements going back which they sent,and they send me somebody else's statements.
do you suffer from pmb or mail forwarding service and BANK PROBLEMS? If you have pmb and no residence These people are thieves. I have evidence that proves CapitalOne360 are Thieves. And further-more the said victim is a Surviving Vets spouse and senior citizen.
Extremely dissapointed. I wouldn't recommend this crappy, Horrible service. I ask to speak to a Rep, they transfer me to a voicemail. They dont call you back. They get your money in ibe day. It takes 10 business days and I still haven't received money nor call. They don't send emails, they send letters that never make it. Total crap
I have a Capital One 360 account that was originally and ING account. DO NOT bank with this company if you need reliable deposits. They will hold your money without explanation, even if it has already been deducted from your transfer account. I've faced bounced check fees for writing checks against money that was mysteriously held for several business days. Without a guarantee of your deposit time (which is an industry standard, correct?), what purpose does the account have for any timely use?…read more
Opened a Capital One "360" business account two months ago and am very pleased. The staff are great (a bit relaxed in their behavior but great non-the-less). I would give them 5 stars but their initial deposit takes 10 business days even after they receive the external transfer and 5 days on later transfers.
Of note, I don't like the original Capitol One (without the 360), I've had numerous problems over the years and just had more today.…read more
I've been a customer of Capital One for several years as a credit card user, auto loan customer and a savings account customer. I've never had any problems with them and the few times I've had to reach out to them with a question the person I've spoke to has always been very helpful and easy to deal with. I'd recommend Capital One to anyone that's looking for a savings or credit product.
I used Capital One Spark Business Advantage Savings Account . I love their service i have been a member for about five year. They offer very good. The interest is good loans, and saving accounts,and saving account. They also have a online and mobile banking. I decided to go with Capital One bank savings account because of how convenient it is to do my banking from my phone.
I have had this savings account for some time and honestly do not have any complaints. I have been with capital one for some time and their customer service is excellent. The savings account is perfect for my needs right now. I have two children and I am trying to build a college fund for them so having it in a CD is very helpful as to not spend. The interest rate could be a little higher but the fact that you can open this account with no money down has me sold. Over the course of three years the interested has added to the account putting even more money towards my children’s savings. Overall I think this is a great savings account.…read more
I love my Capital One online checking account!! They only charge a small amount of interest on overdrafts (instead of a flat fee of nearly $36 like other banks). It's much more reasonable. AND they have a great 0.75% interest rate on all their checking accounts. You apply online and can open the account in minutes. The only down side is that I don't know how to deposit cash since they don't have any physical banks to make deposits to, but I can live with it. Overall, I am VERY happy with it!…read more
I was looking for a good way to manage my money and keep my finances separate. A friend recommended I make a completely new savings account just for this purpose. I decided to go with Capital One bank savings account because of how convenient it is to do my banking from my phone. It just makes everything simpler and easier to handle. Also the fact they have no fees with the account at all which makes it even more attractive. I really like their customer service as well. I had a few questions about some things and they answered them promptly and courteously.……read more
It's great except for the excessively long hold times on deposits, the lack of bring and morters astores and ridiculously uninformed customer service members who, gawd forbid you have a question, will seemingly fall apart over anything you ask them. It does have a few good qualities. No monthly fees, no overdraft fees and your bank literally lives in your phone! If you do happen to over draw your account, instead of being charged a fee, they just charge interest on the overdrawn ammount. That is by far, its beat benifit.I find that really the biggest hassle with this bank is that I hate waiting two or three days at a time to be able to actually get to my money but if you start ahead instead of from behind, then that shouldn't really be an issue for most people.…read more
After having many frustrations with my previous bank accounts at other institutions, I was very hesitant about trying another one. However, I took the leap and Capital One Bank has been my primary savings account for about 7 years. In the 7 years that I have been an account holder, I have never had any issues or complaints with them. It’s a free account and my direct deposit checks always clear right away and the interest rate is great! Additionally, their customer service is fantastic. There were a few times when I had called in inquiring about my balance and asking about the different options and every time, I was greeted with a very friendly, easy to understand voice that answered all of my questions and ensure that I knew everything I needed before the call was over. Even when making trips to the bank for inquiries, the customer service was unsurpassed. Great customer service is a huge plus for me when working with a bank. I want to know that I have friendly, reliable service when it comes to my money and Capital One is where it is at.…read more
I have opened a savings account with ING Direct many years ago, this has since migrated to Capital One 360. I originally opened it to have a savings account that I could not access easily. I now have about 6 accounts that I use for various reasons, including joint savings with my kids. I find the online banking very simple, and I like that they have an iPhone app so I can do my banking on the go, anywhere at anytime. I find the interest rates competitive for the current market. The customer service is excellent and I would definitely recommend this account to my family and friends.…read more
It's an amazing account with a pretty good rate. The only reason it isn't rated higher is because I've had a minor problem with them in the past. When I tried to get it resolved, I felt I had to climb over mountains. It was very hard to find the right person to speak to, as everyone I called said it was the wrong department and transferred me to someone else. It was disappointing. Also, I really don't care for the automated machines when you call. I speak perfect English but it's damn near impossible for the automated machine to understand you the first time. A simple response like "YES" it doesn't understand, and keeps repeating other options, such as "Did you say NO?" I would prefer a phone number that you actually get a person, and they can transfer. Other than that, no complaints and it's a pretty good account.…read more
Capital One 360 savings is where my wife and I both use as our primary savings account. We have had the account for a number of years, back when it used to be ING. We were very concerned when Capital One took over, but the transition seems to have gone seamlessly. The main reason that we continue to use this account, is the user interface. In this day and age, it is mind boggling how many different national banks out there have mobile banking that looks like it was designed in 1994. It is also very simple to use, and the interest rate it provides is in upper tier of savings accounts. Plus, there are no fees and no minimum balance. Not a whole lot more you can ask for from a savings account.…read more
I've had this account for years and I really like it. I was at another financial institution that Capital One bought and I was nervous about the transition. However, the customer service has been excellent and communicated via email and standard mail about the upcoming changes months before anything actually changed. Transferring money into my account every two weeks has been a breeze and the online system is quite simple to use. I've had several email transactions with their customer service department about my account and I always hear back in a timely manner. I also really like that I can get most of my questions answered without having to call a 1-800 number - their FAQ section related to my 360 Savings acct is very thorough.…read more
After looking around for the perfect bank to have a savings account with, I found myself at this Capital One bank. After talking to a representative to see if it was what I was looking for I was transfered over to the nice lady at the desk that was the branch manager. She informed me in a motherly way, that if I want to get something in return then this savings account was better than the other one that you can take money out of regularly. I want to get a good interest rate so she found me the right account and for the right reasons in my life, Saving for my boy's futures. After opening this account through savings, I am grateful and appreciate all they have done to better my life and savings account. Thanks for giving me a reason to save.…read more
I used to have an Orange savings account with ING Direct until they were bought out by CapitalOne. This transition has gone beautifully and I really like the added web tools that CapitalOne has brought me. There is no minimum balance to open this account and no fee. The thing I like most is that I can customize it to connect and really help me achieve my savings goals with other CapitalOne tools that will aid me in saving for retirement and my kid’s college savings. I am usually the type that does not have a plan with my money, really just the throw it in a shoebox type and save it. However, this account allows me to save with purpose, but I do wish the interest rate return was higher. The savings account does the job and I do recommend it. It is just a no frills account.…read more
I have had a savings account through Capital One for a few years now. I am generally happy with them and have no complaints. They have a pretty clear and easy online user interface. I can easily transfer my money from one account to another, with a fairly quick turnaround. I like that you can set up different savings accounts through them, so you can allocate money for different areas. I have a general savings account, a travel fund, and a home improvement fund. I can clearly mark the categories and easily transfer money between those accounts also. I have it set up so it takes out a monthly allotment from my checking account which is very convenient.…read more
I have had a savings account with Capital One for over 5 years now. It has been a very easy account to manage. Their online banking is so user friendly and their customer service is fairly responsive. I have never had any trouble withdrawing any funds or receiving them in a timely manner. My only complaint is that the interest rate keeps going down over time. I went from receiving over 2% interest to less than 1% and that has been quite frustrating! I am hoping the rates will bounce back up soon.…read more
I opened my Capital One 360 account after I saw an advertisement about being eligible for a bonus. I thought there was really nothing to lose, so I opened the e-savings account and have been pleasantly surprised. Transactions are easy, there are no fees and the interest rate is pretty standard. The best part of it is for me, my savings account is linked with my investment account, so when I log into one, I can automatically see the other. Although I've never needed it yet because I transfer money electronically to this account, they have the mobile check deposit feature that allows you to deposit via your smart phone. There is really nothing easier than this e-savings account. I have several accounts with Capital One and if you want the ease of putting your money in a safe, secure account and "forgetting" about it for awhile, I would suggest the Capital One 360 account. Open up an account, set up an automatic savings plan that basically takes out the guesswork for you and relax knowing that you made a good decision.…read more
I have had this savings account for several years when it used to be called ING Direct. It was very easy and very simple to sign up. I have 5 different saving programs linked within this account such as retirement fund, vacation fund and etc. The interest is a lot better than the savings account at my local bank, so I just keep my savings in there and get some interest payments every month. It is very easy and quick to transfer money from this account into my normal bank account. I have never had a problem and when I had a question the customer service representatives are on their game and are always willing to go above and beyond the call of duty.
At the end of the day it was quicker and easier than trying to open a savings account at my local bank. I got what I wanted and didn't have to fight for what I wanted.
I have been a customer of Capital One for over a year now and recently opened up a 360 Savings account. This account is perfect for that person looking to create a "rainy day/emergency fund." The interest rates are pretty good and their customer service is great. They are quick to fix any unwanted mistakes on their end. The site is very easy to navigate and to transfer funds from another bank to this one is very easy.
The only thing I would add, is a small like that connects this account to a credit card account, that way you can see all your accounts on one screen without having to sign out and sign back in to your other accounts.…read more
Capital one's 360 saving account is a great tool. I was looking for a separate account I could easily open online within a few minutes. I wanted to be able to keep some money in another account that I could use for my business and didnt want the hassle of going into a bank and sitting down to sign papers. Capital One made the process very easy and they had no minimum balances to open and no fees. The website is easy to use and I can see my Capital One credit card balances as well as my saving/checking accounts all in one easy place. I also like the text message alerts you can set up to monitor your account usage and see what amounts are being withdrawn/deposited. The account has many handy tools you get for free. They also have a phone app where you can deposit checks. I don't know what else I could ask for, Ive been very happy with them.…read more
I love having access to my savings accounts at Capital One 360 online any time I need to see my balances or verify transactions. The layout of the website and the mobile app is very user friendly and easy to navigate. I have been a customer at Capital One 360 (formerly ING) for about 9 years now and I think my favorite features are the free savings accounts. They are very easy to set up and take almost no time at all. When my twin girls were born, my wife and I decided to set up savings accounts for them. It took less than 5 minutes to get them set up and tied to our savings accounts for viewing and transfer purposes. I also set up a boat fund in less than 5 minutes so I can have a separate account to keep money for a specific purpose away from other savings monies. The interest rates, while low, are also very competitive and some of the best I have been able to find in recent years.…read more
Capital One 360 savings is a great online savings tool. The website is user friendly - easy to navigate and I can do everything I need to right from the site for both my savings and other investment accounts. I really like the mobile app for depositing checks and checking balances. It always works, loads quickly and again, is very easy to use. The email updates that Capital One 360 (no affiliates or junk mail) and reminders are useful and don't fill my inbox with junk I'll never read. However the emails also do not let me forget important things like renewals, roll overs, etc.. I find this bank and the tools overall very useful. I've not had to utilize their customer support.…read more
I'll be honest, I opened a Savings Account with Capital One tow years ago for the monetary incentive. I was planning to close it shortly after opening it. I have, however, been very pleasantly surprised. I like having an extra savings account to earmark money for big purchases we are saving for. I plan on keeping it indefinitely. The interest rate is very fair and transferring money in and out of the account is a breeze. The website is clear and easy to navigate and the mobile banking is easy to use. I feel my money is safe and well managed with Capital One.…read more
Huge fan of this savings account. Capital One as a company is very easy to work with and has always been very quick to answer any questions or solve any concerns I might have.
It's very easy to just drop money into this account and not worry about it. The interest rate is competitive, the customer service great, and no fees! Some banks (overall) will whittle away at your account with fees and other hidden costs but not Capital One. This really lets you get the most bang for your buck.
If you want an easy to use, reliable, worthwhile, savings account. Check this one out.…read more
Capital One 360 bought ING Direct and my savings accounts were rebranded to Capital One 360 Savings Account. I really like the account and have since opened a 3rd account with them. I also have a children's savings account with them. The interest rate is higher than my traditional bank. Transferring money to or from the account is super easy and pretty fast. I like that you can set savings goals and the online accounting system will help you track those goals. Customer service has always been very responsive and helpful. There are not maintenance or transfer fees. Setting up the online account was quick and easy.…read more
I love this savings account, when ever I get money I always put it in this savings account. There is no monthly fees, and plus you get free $25 for signing up for a savings account so that's really nice, its free of course to get one so if there is anyone in need of an savings account they can just get one with capital one, they always improve with what they have and things just keep getting better and better and its pretty easy to transfer money from different accounts. People need to pay more attention to this savings account, best thing a person can ever have…read more
Overall I'm very happy with the Capital One 360 savings account - I've been a customer since 2008 when it was still part of ING. I like that they've improved the login screen (now you use a login name and password, rather than click on a "keypad") and that it's very easy to transfer money in and out. My only complaints are that I wish the annual percentage yield was a little higher (Ally offers a .99%, compared to the .75% that Capital One now has) and that it only took a day or two for the money to transfer to my Chase checking account, rather than the three or four days it currently does.…read more
Well, now that Capital One 360 offers a full Money-Market Savings account alongside their regular Savings, I get a full 1.00 yield on it! So it was a no-brainer to move most of the Savings fund over to it and get the better rate they offer. A few mouse-clicks and in it all goes! :)
I was offered a $50 sign up bonus at the time that Capital One was acquiring the Orange Savings Accounts. At first I was kind of worried about this because I wasn't sure if Capital One would keep up with the higher interest rate of that savings account but they did keep the close to 1% interest rate.
The account system works well. I'm able to put money in and get money out within a 3 day period among different accounts and I can transfer quickly among accounts already connected to each other. I appreciate this since it offers a way to send money within the web interface as well as instant access to necessary numbers to send money from outside of the interface through other institutions.
Its a pretty good Savings account and I would recommend it to anyone who needs a place to store short term money.…read more
I have had my Capital One 360 savings account for about 5 years now. I have been very pleased with the easy to use interface and easy of transfer capabilities the account offers. I am able to link my brick and mortar bank(s) and transfer relatively easily. I can also cut a check and mail it online directly from the account. This has allowed be to pay bills and save a stamp. One thing to keep in mind is there is a 5 business day hold time on new deposits. At first I did not realize this and needed some of the funds before that time ( I over transferred) and was out of luck. Since this can really drag, I recommend you open their free checking account and transfer money there to reduce to hold time. Lesson learned! The interest rate isn't the highest in the category but its up there. I am not an interest rate chaser anymore and would sacrifice 10-15bps for better service like CapOne offers. The choice is yours though. All in all this has been a great account that I see myself using for many years. I give this account four stars, one star off for long hold time and rates not at the absolute highest.…read more
I used the Capital One 360 savings and checking account for a couple years. Back then, the bank was called ING Direct. I believe Capital One bought ING Direct in a merger due to some issue in Europe. The saving and checking accounts are free, which is fantastic. The bank account operates online and there are no physical branches, which is cost-efficient and there are no fees to tack on to pay for rent on a physical location.
First of all, the bank's interest rate is very generous for it's saving account. It's at 0.75% yield at the moment. Second, the bank has convenient customer care and the log-in process is seamless. Finally, there is numerous way to manage your account and there is even a Check Mate application to deposit checks by your smartphone. Multiple ATM's for free transfers and withdrawals. CVS pharmacies has the AllPoint ATM's to withdraw there. Good choice in general.…read more
In the past I had saving account with BOA and Chase but after finding out the Interest rate offered by Capital one 360 (variable but around 0.75%) I have switched. The low interest rate offered by other banks ~0.1% defeats the purpose of savings account... In this way I recommend this saving bank account.. I suggest you open the account online to get the $25 credit (look for some coupon, they are offered from time to time). There are nor maintenance fee however I believe they do require a direct deposit or monthly transfer... Overall very satisfied with it.. Will recommend.…read more
Overall happy with my Capital One 360 Savings account. I only use fee-free accounts, and I didn't want to be out of luck in terms of bank availability while working at a new job this semester. So Capital One saved the day with very compatible branch locations that helped me stay within reach of my money. Furthermore, their integration with other banks to increase availability really helped me make sure I could put away more of my money, even though the application process is a tad bit confusing. Overall, a solid choice. Wish the bank was just a little more personable like my home accounts though.…read more
This is a great account! When I opened the account, it was ING Direct. I was attracted by the fact that it is a free account that does not require a minimum balance. Being an online-only account, the overhead expenses are lower, which means they can pass these savings on to the customer. When the company was taken over by Capital One, everything went so smoothly and all the features remained the same, which I appreciated. They offer competitive interest rates (which aren't that great right now, but a little bit is better than nothing!) and they are FDIC insured, which is a must. Their customer service is always very pleasant. I had to call them to change the name on my account due to a change in my last name after marriage, and it was very easy to complete. Overall, I would highly recommend this account!…read more
I love having this account. The interest is great. The only problem is that it takes 2 days to get my money out of the account. On the other hand, that is actually not a bad feature as it makes it difficult to deplete the account for an impulse purchase. I haven't yet set up an automatic deposit, but it is my intention to do that next month. I have also had good luck with the customer service people. They treat me very well even though I am not one of their larger depositors.All in all, I prefer this to using my regular bank for savings. The interest is very much higher with Capital One.…read more
I have a Capitol One 360 savings account (3 actually) that has been great for my family and I. I have found their rates to be competitive in relation to the rest of the market place. I think one of the best features is their user interface. I have found it easy to navigate and the terminology is clear and easy to understand. When I transfer money between multiple accounts or between my checking account and savings accounts, it's always an easy process. The processing time is always accurate and reasonable. Setting up new accounts or linking my accounts with my employer's direct deposit system is always easy, as well. I highly recommend Capitol One as a savings account provider.…read more
The capital one savings account is an easy to use account with decent interest. I like the easy online access and that there is no minimum. I also loved the $50 sign up bonus, the perfect perk for a student on a budget. Overall this is a quality account and I have always been able to use it easily and have had great service with capital one. I highly recommend this savings account if you are looking for an easy to use, quality account that gets good interest without having to limit access to your funds.…read more
A: Unfortunately, you will not receive a debit card when opening the 360 savings account. After your application is approved, you will receive the terms and conditions for the account which you will have to sign.
A: There is no minimum deposit required to open the 360 Money Market account. Please note that your 360 Money Market account won't be considered "open" until it's funded. This means your balance must be at least a penny. No, you will not be able to open the account by transferring ...show more
A: Yes, you can transfer money between your Capital One 360 Savings account and other Capital One accounts by simply linking your accounts. Please find more details here: https://helpcenter.capitalone360.com/bnk/Topic.aspx?category=LINK2#FCOMLINK03. The current APY for Capital One 360 Savings account is 0.75% for all balances.
A: Capital One applies a higher APY for the first 6 months after opening the account. After these first 6 months, a standard APY will be applied. Please find out more here: https://www.capitalone.com/savings-accounts/essential-savings-account/.
A: Please note that Capital One no longer offers the Business Advantage Savings Account. However, you can opt for the Spark Business Savings Account. Per federal regulation, business savings accounts have a limit of 6 withdrawals a month.
A: Unfortunately, you won’t be able to open an account with just your social security number. You will also have to provide photo identification (valid driver’s license, state identification card, or passport) and proof of residence (i.e. phone bill or utility bill in your name).
A: You’ll have to link your external account to your Capital One Savings account. To do so, log into capitalone360.com and click on the “Add Link” button, then enter your external account information and answer a few security questions. Capital One will ask you to confirm the ownership by verifying two ...show more
A: To close your account with $0 balance, please follow these steps:
Sign in to capitalone360.com
Click on the account you want to close
Check to make sure you have no scheduled transactions or deposits on hold (including an Automatic Savings Plan)
Click the ‘Account Details’ tab
Click ‘Close your account’ at the bottom of ...show more
A: Yes, Capital One will still be open. Capital One is committed to maintaining the privacy and security of your information; they build security into all of their systems and networks. Their experts perform internal and external tests on all applications and systems to safeguard your information. They leverage multiple preventative ...show more
A: Interest on your savings account is accrued daily, compounded monthly and credited to your available balance at the end of each month. You can also use Capital One’s savings tools here: https://home.capitalone360.com/online-savings-account/tools.
A: No, you will not get a debit card for the 360 Capital One Savings account. Capital One 360 Savings account is an online account and it can only be opened if you already hold a checking account which you will need to link to this savings account.
A: You have several options:
Use the 360 Checking Debit Card anywhere MasterCard is accepted.
Use the 360 Checking payment features.
Access cash for free at over 38,000 Allpoint® ATMs with your Card; or from merchants that allow cash back as a part of a PIN-based purchase.
Get a cash advance from a participating local ...show more
A: If you have the overdraft protection free savings transfer option, you need to link the 360 savings account to your 360 checking account. In order to do that, you need to:
sign in to capitalone360.com;
click on your “360 Checking”;
go to the “Overdraft” tab;
click on “Set Up” in the ...show more
A: Some of the main differences are: different interest rates, the savings account has an introductory interest rate for the first 6 months and a minimum initial deposit of $5, both of which the 360 account lacks. You can better compare the two accounts here: https://www.capitalone.com/savings-accounts/compare/ .
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.
Get unlimited free credit scores & reportsSign up for free credit monitoringget your free credit score & report