Online and mobile checking
To keep or open the account
Digital tools for you and your teen
$0 – $49,999.99
$50,000 – $99,999.99
$100,000 or more
Fee-free means fee-free. Withdraw funds at any Capital One or Allpoint ATMs with no penalty and enjoy no foreign transaction fees.
With an online checking account, your money is always just a click away. Send cash and pay bills from your tablet, desktop or smartphone.
Download our top-rated app.
Track your spending on-the-go. Use our mobile app to transfer money, deposit checks, and manage accounts.
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 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.
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.
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.
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.
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.
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.
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.
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.