Build a dream that lasts.
Start saving today with one of the nation’s best rates.

What's an online 360 Money Market® account (MMA)?

A high-yield, fee-free online bank account that helps you save.


Annual Percentage Yield

Earn one of the nation’s best online money market account rates for balances of $10,000 or more.


No monthly fees to open or keep your MMA

Member FDIC

All 360 Money Market deposits FDIC-insured up to the allowable limits

Save more with 360 Money Market.

The right features to keep your money moving forward.

High Interest

Get a 2.00% APY on account balances of $10,000 or more, or a 0.85% APY money market savings rate on account balances below $10,000.

Digital Saving Tools

Use innovative tools like an automatic savings plan to help keep your eye on the savings prize and make the most of your online money market account.

Top Rated Mobile App

Deposit checks from the couch and check your money market account balance on-the-go with secure mobile banking.

A high-yield MMA rate that saves as hard as you do.

It’s time to put your savings to work.

Money Market Account Balance

$0 – $9,999.99

$10,000 or more

Annual Percentage Yield (APY)



“I love my Capital One Money Market account! Just like the rest of the Capital One products I have…the rates are great and it is easy to use the online services!”

Criseyda M., New York, NY

Do more with your savings.

Don’t just set it and forget it–grow it. A 2.00% APY money market savings rate on total account balances $10,000 or more means you’ll get more for saving more. It’s time to turn dreaming into doing.

Keep your savings saved.

Your savings are where your dreams are. FDIC-insured money market accounts help keep your savings safe (up to the allowable limits).

Easy account transfers
Move your money between linked Capital One accounts or an external bank account.

Automatic savings plans.
Keep your savings growing with automatic transfers.

Savings goals on the go.
Track your progress and celebrate the Great Saves.

Mobile check deposit.
Deposit checks anytime, anywhere.

360 Money Market Account 101

Unlock everything you need to know to open a 360 Money Market account today.

For answers, just click the arrow next to each question below.

What’s a money market account (MMA)?

A 360 Money Market account is a type of savings account that earns interest. Money market accounts are not the same as money market funds, and aren’t affected by the stock market. 360 Money Market accounts are FDIC-insured bank accounts, while money market funds are are usually made up of stocks and bonds.

How do I open a money market account?

You can open a 360 Money Market account online or in person at a Capital One branch or Capital One Café. It only takes about 5 minutes. If you’re thinking about opening a 360 Money Market account, have these things ready: your name, date of birth, address, email, phone number, employment information, annual income, social security number, citizenship information and some amount of money for an initial deposit. You’ll also need to agree to the terms and conditions. Based on varied factors, you may be denied for a 360 MMA account.

What’s the difference between a money market account and savings account?

The main difference between 360 Money Market and 360 Savings have to do with their rates. 360 Money Market has no fees and pays one of the nation’s best savings rates for accounts with balances of $10,000 or more. 360 Savings has no fees and no minimums, while offering the same rate regardless of your account balance. Both 360 Money Market and 360 Savings are online accounts that earn interest and give you access to your money. Each comes with easy-to-use online tools to help you save.

Are money market accounts FDIC-insured?

360 Money Market accounts are insured by the FDIC up to allowable limits. Capital One also works hard to keep you and your money secure and protected against fraud.

Do I have to have $10,000 or more in my savings to open an account?

Not at all–360 Money Market accounts don’t require a minimum balance to open and keep your account. If your account balance is under $10,000 you’ll still get a 0.85% Annual Percentage Yield (APY). Then once your balance hits $10,000 or more, you’ll start earning 2.00% APY on your total account balance. If your savings are under $10,000 you also have another option: earn 1.00% % APY on your current account balance with a 360 Savings account These rates may vary and are effective as of 7/27/2019.

Can you write checks from a money market account?

360 Money Market accounts don’t come with debit cards or the option to write checks. If you’re looking for an account that allows you to write checks, check out 360 Checking.

What are my 360 Money Market account options?

You can set up your 360 Money Market account as a single or joint account. As a single account holder, you’ll be the only one able to access and manage your account. A joint account allows you to share account access and ownership with another account holder, meaning you both can log into the account, make deposits and withdrawals, and transfer money.

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

Life doesn’t just happen within business hours. That’s why 360 Money Market 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 Money Market account and get started with awesome free digital tools (and a top-rated mobile app) to help you manage your money, anytime, almost anywhere.

How do I make a deposit or withdrawal?

You can make a deposit to or withdrawal from your 360 Money Market account using your computer, smartphone, or by giving us a call. Sign into your account online, call our Interactive Phone Service, or call and speak to a Capital One Associate. You can also use Mobile Deposit, set up an Automatic Savings Plan, transfer money from another Capital One account or external bank account, or visit a Capital One location near you. And finally, you can also make a deposit by wiring money into the account. And remember, you’ll only be able to make up to 6 “convenient” withdrawals or transfers a month due to federal laws. That includes internal transfers from 360 Money Market accounts. If you need to make more “convenient” withdrawals or transfers, check out 360 Checking for a checking account with no limit on the number of withdrawals and transfers you can make.

Can I link my 360 Money Market account to other accounts?

Absolutely. You can link your Money Market account to another Capital One 360® account or an external account with another bank that you own. If you already have a Capital One® account, your accounts will automatically link.

Can I add beneficiaries to a 360 Money Market 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.

How do I transfer money?

The checking account you use to make your first deposit will automatically link to your Money Market account. You’ll be able to easily transfer funds between the two accounts and set up an Automatic Savings Plan.

360 Money Market accounts don’t come with debit cards or the option to write checks.

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.