![]() ![]() Accessing your paycheck up to two days early with early direct deposit.Other useful 360 Checking account features include: If you don’t choose an overdraft option, Capital One may approve some transactions that result in a negative account balance and decline others. ![]() You can also elect to have Capital One auto-decline any transaction that will leave you with a negative account balance. Its free transfer option automatically pulls money from a linked 360 savings or money market account to cover overdrafts. You have a few options for how Capital One handles transactions that will overdraw your account. The bank has no overdraft fees, which isn't the case with many financial institutions. Capital One 360 CheckingĬapital One 360 Checking is an interest-bearing account, and your money will earn interest regardless of your account balance. Regardless of the account type, you'll earn interest on your money without paying fees or worrying about maintaining minimum account balances. It no longer offers new customers money market accounts but has interest-bearing joint checking and savings account options for kids. Its suite of offerings is limited but includes the following: Direct Banking Satisfaction Study of 2022. It's on Money's list of best national banks for customer satisfaction based on its excellent rating in JD Power's U.S. Capital One 360 ReviewĬapital One is a national bank, but it operates more like an online bank to accommodate its many customers who don't have access to a physical branch. However, it provides access to over 70,000 in-network ATMs if you need to withdraw cash. ![]() No reimbursement of out-of-network ATM feesĬapital One doesn’t reimburse out-of-network ATM fees. ![]() You must have the mobile app to make a cash deposit at CVS. Limited cash deposit options for some account holdersĪccount holders without access to a physical branch can only make cash deposits at a Capital One-branded ATM or a CVS store. 360 Money Market accounts are only available to established Capital One customers. New Capital One 360 customers can only open three types of consumer deposit accounts: 360 Checking, 360 Savings and 360 CDs. For instance, 360 Checking account holders might receive a cash bonus offer for opening a 360 Performance Savings account and meeting specific account requirements. Capital One 360 Performance Savings: Customers who opened a new savings account, deposited $20,000 or more from an external bank within 15 days of account opening and maintained a minimum $20,000 balance for 90 days received a $150 bonus.Įxisting Capital One customers may receive special bonus offers for opening a new account.Capital One 360 Checking: New checking account customers who funded a new account with any amount and received two direct deposits into the account of $250 each or more within 75 days of account opening received a bonus of $250.The following are a few past Capital One 360 welcome bonus offers: Welcome bonuses and special offersĬapital One sometimes runs promotions to attract new customers. 360 CD interest rates are tiered but based on the CD term rather than the deposit amount, and like 360 Savings interest rates, they are competitive. Capital One pays the same competitive high-yield interest rate on a Performance Savings account regardless of the balance. Some banks also require a minimum balance to earn a better interest rate. Savings account and CD have competitive interest rates With Capital One, you can open any 360 account for any amount, whether checking, savings or a CD. Some banks require a minimum deposit to open an account. It also doesn't charge an overdraft fee if your 360 Checking account balance dips below $0. The bank doesn't charge maintenance fees on 360 Checking, Performance Savings or CDs. You don't have to maintain a minimum balance to avoid monthly account maintenance fees with Capital One. Pros explained No monthly fees, overdraft fees or minimum balance requirements No reimbursement of out-of-network ATM fees.Limited cash deposit options for some account holders. ![]()
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