Capital One 360 Checking Review for 2025
If you’re looking for the best checking bank account with 0 monthly fees and no minimum balance, Capital One 360 checking would be the perfect option.
Capital One 360 Checking and Savings Account Comparison Review
| Feature | Capital One 360 Checking | Capital One 360 Performance Savings |
|---|---|---|
| 🔄 Account Type | Online Checking Account | High-Yield Savings Account |
| 💰 APY (Interest Rate) | 0.10% APY | Up to 4.25% APY |
| 💳 Minimum Opening Deposit | $0 | $0 |
| 🧾 Monthly Fees | $0 | $0 |
| 📲 Mobile App Access | ✅ Yes (Full mobile features) | ✅ Yes (Deposit, track, save goals) |
| 🏧 ATM Access | 70,000+ fee-free ATMs (Allpoint & Capital One) | N/A (Linked transfers only) |
| 💳 Debit Card | ✅ Yes | ❌ No |
| 🔒 Overdraft Options | Free overdraft protection options | N/A |
| 🔐 FDIC Insured | ✅ Up to $250,000 | ✅ Up to $250,000 |
| 👤 Best For | Daily spending, direct deposits | Building savings with high APY |
What is the Best Online Bank Checking Account?
Capital One is firmly the best online banking offering competitive perks for checking and savings accounts. There are no monthly checking, overdraft, or savings fees, which offers users a better banking option. Its customer service is top tier – users describe it as reliable and fast.
Best Banking Option for: Customers who are looking for a free checking and savings account with 0 monthly fees online.
Overall Rating: ⭐️⭐️⭐️⭐️⭐️ 4.8/5
| Category | Rating |
|---|---|
| Customer Experience | ⭐️⭐️⭐️⭐️⭐️ 5.0 |
| Checking Account | ⭐️⭐️⭐️⭐️⭐️ 4.9 |
| Savings Account | ⭐️⭐️⭐️⭐️⭐️ 4.7 |
| Overdraft Protection | ⭐️⭐️⭐️⭐️⭐️ 4.9 |
| Certificates of Deposit | ⭐️⭐️⭐️⭐️⭐️ 4.6 |
What is Capital One 360 Checking?
Capital One 360 checking account is an FDIC-insured online banking account that offers its users a simple and convenient way to deposit and spend their money.
There are no monthly fees, no overdraft, and no minimum deposit amount. Capital One 360 checking offers international ATM withdrawals and a quick, user-friendly online interface for managing their money.
Pros of Capital One 360 Checking
- No monthly overdraft fees.
- No monthly fees.
- Competitive rates on savings and some CDs.
- ATM Card wth international access
- No minimum opening deposits or balances.
Cons of Capital One 360
- There are no cash deposits at many partner ATMs.
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Capital One 360 Checking Account review
With so many different options for online bank checking accounts, here are some of the best features of Capital One 360 Checking.
Managing and Accessing Your Cash
You can easily log in to your Capital One 360 and transfer money to others. Their ACH transfers take 1-3 days, but you can use Zelle, which is faster.
If you need cash, access it instantly with your card from their over 40,000 international ATMs. There is a daily limit on purchases from your Capital One 360 card of $5,000.
The overall app interface of Capital One is solid, easy to navigate, no guessing, clean, and responsive.
Capital One 360 fees
With the Capital One 360 Checking account, there are no monthly fees. No Overdraft fees and no minimum balance or deposit needed. This poses a big advantage compared to other online bank checking accounts.
Customer Service Experience
Most users rave about the great customer service response from Capital One. Their customer service reps are very responsive and work on getting issues resolved quickly.
Key Features of Capital One 360
You can open an account without an initial deposit, but a deposit must be made within 60 days to keep it active.
Capital One’s mobile app is highly rated and was ranked fourth in J.D. Power’s 2019 U.S. National Banking Satisfaction Study, which evaluates banks based on user experience with deposit services, accessibility, and more. The bank earns excellent feedback specifically for its mobile features and checking services.
If you opt in and connect a savings account, Capital One allows automatic transfers from savings to cover overdrafts at no charge.
The Capital One mobile app includes Zelle, allowing you to send and receive money instantly without needing a separate app.
You’ll have access to more than 40,000 ATMs through Capital One® and Allpoint®, giving you fee-free options for withdrawing or depositing cash.
The app includes mobile check deposit, so you can deposit checks simply by snapping a picture within the app.
Your first checkbook is provided at no cost, giving you 50 checks before any checkbook fee applies.
The app also lets you lock and unlock your debit card. When locked, most new transactions are blocked, though returns, credits, and certain auto-payments may still go through.
You can monitor your credit through CreditWise®, which is integrated directly into the Capital One app. (Check out our in-depth review of CreditWise for more details.)
What are Capital One Alternatives?
| Bank |  |  |  |
|---|---|---|---|
| APY (Savings) | Up to 4.25% | 4.60% | 4.20% |
| Minimum Deposit | $0 | $0 | $0 |
| Monthly Fees | $0 | $0 | $0 |
| ATM Access | 70,000+ fee-free (Capital One & Allpoint) | 55,000+ (Allpoint) | 43,000+ (Allpoint) |
| Overdraft Protection | Free transfers from savings | No overdraft fees + auto coverage | CoverDraft up to $250 |
| Mobile App Rating | ⭐️ 4.6 (iOS) / 4.6 (Android) | ⭐️ 4.8 (iOS) / 4.5 (Android) | ⭐️ 4.7 (iOS) / 4.3 (Android) |
| Zelle Integration | ✅ Yes | ✅ Yes | ✅ Yes |
| Credit Monitoring | ✅ CreditWise | ✅ SoFi Insights | ✅ FICO Score |
| CD Rates (12 mo) | ~4.25% | ~5.00% | ~4.50% |
| Best For | Trusted big bank + hybrid access | Tech-savvy users & borrowers | Simplicity + high yield savings |
Capital One 360 Checking Review Wrap Up
If you’re looking for a simple online banking experience, with 0 monthly costs, and access to ATM withdrawals anywhere, Capital One 360 Checking is the choice for you. They have unique perks available for both checking and savings accounts, which can earn you $250 cash back rewards. To sign up for a Capital One account, you will need your Social Security number, verify your identity, and provide your name, address, and phone number. Once your account has been approved, you can start depositing and transferring money to others using the Zelle or ACH option.
