Capital One 360 Checking Review
No-fee checking with access to Capital One Cafés and branches. Independent Capital One 360 Checking review: 4.5/5 for checking.
By Michael Hewitt, Founder & Editor-in-Chief.
Our verdict
For people who want an online account with some in-person backup, Capital One 360 has no monthly or minimum balance fees, 70,000+ fee-free ATMs, and Capital One Cafés in major cities. That fee-free access is why it rates well. It earns only 0.10% APY, and its branch network is smaller than Chase, BoA or Wells Fargo.
Skip it if you want checking that pays real interest, or need a branch close to home.
About Capital One 360 Checking
No-fee checking with access to Capital One Cafés and branches. Capital One 360 Checking is offered by Capital One, N.A. Our editorial rating is 4.5 out of 5.
Best for: Digital + in-person banking mix.
Editorial grade: A (composite score 89/100).
Highlights
- No monthly maintenance or minimum balance fees
- 70,000+ fee-free ATMs (Capital One, MoneyPass and Allpoint)
- Access to Capital One Cafés in major cities
What we like
- Hybrid digital + physical banking experience
- Strong mobile app with Zelle and mobile check deposit
- No foreign transaction fees on debit
Where it falls short
- Earns only 0.10% APY on checking balances
- Branch network smaller than Chase, BoA, or Wells Fargo
Fees, minimums, and rates
Monthly fee: $0/month. Minimum to open: $0. Current APY: 0.10%. Rates and promotional offers change often, so check the provider's own page before you apply.
How we reviewed it
This is a desk review: we have not opened an account with Capital One, N.A.. It is built from Capital One, N.A.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Checking shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.
The bank behind this account
- Capital One, FDIC certificate 4297: capital, loan quality, every office and the complaint record.
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Read our full editorial methodology for how we review products.