Capital One 360 Review
Capital One 360 is the online banking arm of Capital One. It offers no-fee checking (360 Checking) and a high-yield savings account (360 Performance Savings) with competitive APY. Capital One has a hybrid model with physical Cafes in some cities. This review uses placeholder data — verify current rates and terms directly with Capital One.
Best For
- Consumers who want no-fee checking
- Those seeking competitive savings APY without switching to a lesser-known bank
- Customers comfortable with primarily online banking
Pros
- No monthly fees on 360 Checking
- Competitive APY on 360 Performance Savings
- No minimum balance requirement on core accounts
- Access to Capital One ATM network
- Well-reviewed mobile app
- Zelle support
Cons
- Limited physical branch presence (Cafes only)
- Cash deposits require third-party locations
- Savings rates can fluctuate with market conditions
Account Types & Features
Capital One 360 Checking
Monthly Fee: None
Min Balance: None
No fee checking with Zelle and mobile deposit
Capital One 360 Performance Savings
Monthly Fee: None
APY: Competitive — verify current rate with Capital One
High-yield savings account
Capital One 360 CD
Monthly Fee: None
Fixed-term CDs; rates vary by term
Fees & Rates
| Fee Type | Amount |
|---|---|
| Monthly Fee | None on core accounts |
| Minimum Balance | None on core accounts |
| Overdraft Fee | No overdraft fees — verify current policy with Capital One |
| ATM Fee | Free at Capital One ATMs and Allpoint ATMs; fee may apply elsewhere |
| Wire Transfer Fee | Varies — verify with Capital One |
ATM Access
Capital One 360 provides access to Capital One ATMs and Allpoint ATMs. Fee may apply at out-of-network ATMs. [Verify current terms with Capital One.]
Transfers
Supports Zelle, ACH transfers, and wire transfers. Transfer limits vary by account. [Verify current limits with Capital One.]
Mobile Banking
Capital One mobile app is highly rated and supports mobile check deposit, Zelle, and account management. [Verify current mobile deposit limits.]
Frequently Asked Questions
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