360 Checking Account Features & Benefits | Capital One (2024)

FAQs

What are the benefits from 360 checking account Capital One? ›

The Capital One 360 Checking Account is a simple deposit account that can help you manage your money at no monthly cost. You can receive your paycheck, withdraw money from over 40,000 Capital One and Allpoint ATMs and deposit checks from the convenience of your mobile phone — all at no fee.

All with no minimum balance required and no monthly fees. Take a moment and set up your 360 Checking account to do the most for you and your money.

Set up and receive at least 2 Qualifying Direct Deposits each of $500 or more to your 360 Checking account within 75 days of account opening. Capital One will deposit the bonus into your account after the first two requirements listed above are completed. See below for when the bonus will be posted.

360 Checking is a checking account that comes with everything you need and without everything you don't. Pay your bills, get cash, make deposits, and transfer money—all without monthly fees and extra trips to the bank.

You can withdraw your funds from your Capital One 360 Checking® Account in any of these ways: ACH transfer. Wire transfer. Request a mailed check.

As a new 360 Checking customer, you'll receive a debit card when you open your first account. If you open an account online, your debit card will be shipped to the mailing address on your account via USPS in about 7-10 business days in a discreet envelope. Sign in to track your debit card delivery online.

Both banks offer comparable checking features, but Capital One's 360 Checking pays a higher interest rate on checking balances.

Earn a $350 bonus after opening a new 360 Checking account and receive at least two qualifying direct deposits of $250 each within 75 days of opening your account. Your deposit must be “externally sourced funds,” meaning they come from a source not affiliated with Capital One. When do you receive your bonus?

No monthly service charge—includes free debit card and use of Capital One® image-enabled ATMs. Balance requirement None No minimum balance requirement to maintain this account. Minimum deposit to open account None No minimum deposit required at time of account opening. Pays interest Yes This account does earn interest.

Is this account FDIC insured? Yes, the Capital One 360 Checking account is FDIC insured.

Is Capital One 360 savings good? ›

Top perks. 4.25% APY: If you're opening a high-yield savings account, it's because you're looking to get better returns on your savings. The Capital One 360 Performance Savings is up there in the ranks of the best online savings accounts due to its higher-than-average APY on all balances.

Which Banks Offer Second Chance Bank Accounts? Note: The Capital One 360 Checking Account isn't advertised as a second chance bank account, but Capital One does not reference your ChexSystems report when you apply, so issues with other banks won't stop you from getting approved.

You can withdraw money from a Capital One savings account by transferring cash to another account, such as your checking account at Capital One or another bank. You can request a withdrawal from your account online, in person at one of Capital One's branches, or by calling the bank's customer service team.

No monthly fees, no minimums and no overdraft fees. Access more than 70,000 Capital One, Allpoint® and MoneyPass® ATMs.

Your money is safe at Capital One

The FDIC insures balances up to $250,000 held in various types of consumer and business deposit accounts.

Top perks. 4.25% APY: If you're opening a high-yield savings account, it's because you're looking to get better returns on your savings. The Capital One 360 Performance Savings is up there in the ranks of the best online savings accounts due to its higher-than-average APY on all balances.