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Expect more from your checking.
Open an online account with no monthly fees.

What’s a 360 Checking® account?

A fee-free online checking account you can use anytime, anywhere.

Fee-free

Online and mobile checking

$0

To keep or open the account

Mobile App

Digital tools for you and your teen

Bring balance back to your checkbook.

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Fee-Free

Go ahead, read the fine print. Zero fees and your first checkbook is free.

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No minimums

Open an account and start earning interest no matter what your balance is.

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Free ATMs

Use over 39,000 Capital One or Allpoint ATMs at zero cost.

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Mobile Deposit

Deposit your checks from your phone. No professional photography skills required.

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Online Bill Pay

Pay your bills online with the option to set up automatic payments.

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Overdraft Options

There are overdraft options you can choose from when you spend more than you have.

A checking account that gives back.

Account Balance

$0 – $49,999.99

$50,000 – $99,999.99

$100,000 or more

Annual Percentage Yield (APY)

0.20%

0.75%

1.00%

“I learned the magical unicorn of fee-free banking truly does exist. I love how easy it is to pay bills, deposit, and transfer money online. I even receive free ATM withdrawals at many convenient locations.”


Hannah D., Saint Peter, MN

Stop paying money to use your money.

Fee-free means fee-free. Withdraw funds at any Capital One or Allpoint ATMs with no penalty and enjoy no foreign transaction fees.

Make every day feel like payday.

With an online checking account, your money is always just a click away. Send cash and pay bills from your tablet, desktop or smartphone.

Finally, a checking account that’s as mobile as you are.

Download our top-rated app.
Track your spending on-the-go. Use our mobile app to transfer money, deposit checks, and manage accounts.


Bank securely.
Even if you lose your phone, you’ll always know where your money is. Sign in on any device with SureSwipe® access and see all transaction details.


Make mobile deposits.
Upload photos of your check to make a deposit from your phone.


Get instant alerts and messages.
Stay updated on your account activity with text alerts and avoid overdrafting with balance notifications.

360 Checking: 101

Unlock everything you need to know to open a 360 Checking account today. For answers, just click the arrow next to each question below.

What is an online checking account?

360 Checking is a checking account that comes with everything you need and not everything you don’t. Pay your bills, get cash, make deposits, and transfer money–all without the extra monthly fees and extra trips. You can open and manage your account securely by logging in on your phone or computer, instead of waiting for the bank to open first. And if you ever need help with your account, a real person is just a phone call away.

How do I open an account and manage my money?

360 Checking accounts are available both online and in person at Capital One locations. If you’d like to open your account and bank with us in person, stop in at your closest Capital One location. If you’d prefer to bank online-only, you can make deposits and transfers using the Capital One mobile app, one of our deposit-taking ATMs, or by mailing in a check for deposit. To withdraw cash, just use your debit card wherever MasterCard® is accepted or at any of our 39,000+ ATM locations. If you need paper checks, you can order your first checkbook for free through your online account. After that, you’ll get 50 checks for just $5 every time you reorder.

How do I earn interest?

If your online account balance is $49,999.99 or less, you’ll earn an annual percentage yield of 0.20%. If your balance is between $50,000-$99,999.99, you’ll earn a 0.75% APY on your entire balance, and if your balance is $100,000 or more you’ll earn a 1.00% APY on your entire balance.

But where are the fees?

Nope, still no hidden fees. Using a Capital One 360 Checking account is fee-free, but let’s be totally upfront here: there may be some things you want or need to do with your account that will result in charges. If you overdraft on credit, request overnight check delivery, overnight delivery of a replacement card, a stop payment, or write a rejected check, there will be potential charges for these extra services.

What if I overdraft my account?

We’ve got you covered. You have four options to choose from: Auto-Decline, Next Day Grace, Overdraft Line of Credit, and Free Savings Transfer.

  • Auto-Decline: we’ll generally decline all transactions that would take your account into overdraft.
  • Next Day Grace: we’ll pay for the overdraft transaction and you’ll get one business day to add more funds to your account to cover the balance.
  • Overdraft Line of Credit: you’ll pay 13.25% interest on the amount you overspend. Annual Percentage Rate (APR) Variable and Effective 08/01/2019.
  • Free Savings Transfer: automatically transfer funds from your 360 Savings account to take care of what you owe.

What about my debit card?

In order to get you faster access to your money, we’ll expedite your new 360 Checking MasterCard® Debit Card by FedEx®, which will arrive in 1-3 business days after you sign up. Once you receive your card, you’ll be able to use it anywhere MasterCard® is accepted, including any ATM that has the Allpoint® or MasterCard® symbols on it.

Can I open a 360 Checking account at a Capital One® location?

Life doesn’t just happen within business hours. That’s why 360 Checking accounts are available both online and in person at Capital One locations–so that you can bank on your schedule. Visit your nearby Capital One location to open your 360 Checking account and get started with awesome free digital tools (and a top-rated mobile app) to help you manage your money, anytime, almost anywhere.

Can I add beneficiaries to a 360 Checking account?

Yes. You can assign up to 10 individuals as Payable on Death beneficiaries, which means that while you’re alive, the beneficiaries won’t have access to anything in the account. The only exception is that you cannot assign beneficiaries for a Trust account, where the trustee controls funds for another party. Assigning beneficiaries can give you peace of mind and can result in increased FDIC coverage for your accounts up to allowable limits. There are 2 ways that you can manage beneficiaries for you accounts.

Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Routine or unscheduled maintenance may impact accessibility. Mobile Deposits are available only in the U.S. and U.S. Territories.

For certain banking products we offer, fees assessed at any ATM within the United States and at some ATMs located outside the United States will be reimbursed within 5 business days, up to $15 per statement period

The Capital One Mobile app has a 4.7/5-star customer rating on the App Store and on Google Play as of 06/13/2019.

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