Capital one 360 checking customer service number

Checking designed for the way you bank

Manage your money quickly and easily with 360 Checking—whether it’s online, in person or with our mobile app. All with no minimum balance required and no monthly fees.

Capital one 360 checking customer service number

It’s your account—make it work for you

Take a moment and set up your 360 Checking account to do the most for you and your money.

Secure Banking

Your account is safe with FDIC insurance up to allowable limits.

Capital one 360 checking customer service number

Add money to your 360 Checking account

Know what’s a great feeling? Adding money to your 360 Checking account. We give you lots of simple, quick ways to do it.

Adding Money

There are lots of ways to add money to your 360 Checking account.

Mobile Deposit

Deposit checks to your 360 Checking account from almost anywhere.

Capital one 360 checking customer service number

MAKING PAYMENTS & WITHDRAWALS

Fast, flexible ways to make payments and get cash

Easily access your 360 Checking account to shop, pay bills, send money or grab cash.

Debit Card

Make purchases, get cash and more with your contactless debit card.

Zelle®

Send and receive money between family and friends with Zelle®.

Bill Payment

Make a one-time bill payment or set up recurring automatic payments.

Fee-free ATMs

Get cash from your 360 Checking account at over 70,000 fee-free ATMs.

24/7

mobile banking

Access your money & bank almost anywhere with our top-rated mobile app.

No fees

to open, keep & use

so your money stays where it belongs—with you.

70,000 +

fee-free ATMs

in more places where you already shop.

Checking at your fingertips

Capital one 360 checking customer service number

Keep your checking account secure

Misplaced your debit card? No sweat—you can lock (and unlock) it from our mobile app.

360 Checking Account Benefits

Capital one 360 checking customer service number

Bank securely

Your online checking account is safe with FDIC insurance and fraud coverage.

Capital one 360 checking customer service number

Get paid early

Access your money up to 2 days sooner than payday with early paycheck.

Get help in person

Visit our branches & Cafés to bank with our friendly Ambassadors.

Move money easily

Get your money on its way—pay bills online or send cash with Zelle®.

Find an ATM or Capital One location near you.

When you need us, we’ll be there. Visit a Capital One ATM or branch near you or experience Banking Reimagined® at a Capital One Café.

Enter a location near you

FREQUENTLY ASKED QUESTIONS - 360 Checking

What is an online checking account?

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 open a checking account online and manage your account securely by signing in on your phone or computer, instead of waiting for the bank to open first. And if you ever need help with your account, a real person is just a phone call away.

There are no fees to open, keep or use your Capital One 360 Checking account, or for foreign transactions. But let’s be totally upfront here: There may be some things you want or need to do with your account that will result in charges. If you request overnight check delivery or overnight delivery of a replacement card or request a stop payment, you may be charged a fee for these extra services.

What if I overdraw my account?

You have several options to choose from: Auto-Decline, Free Transfer and No-Fee Overdraft.

  • Auto-Decline: We generally decline transactions that cause overdrafts on your account.
  • Free Transfer: Automatic transfer of funds from your savings or money market account. 
  • No-Fee Overdraft: No fees charged on approved transactions that put your account balance below $0.

Learn more about all of your options.

How do I earn interest with a checking account?

It’s easy—you’ll earn interest just by having money in your account. As of 11/8/2022, if your online checking account balance is $49,999.99 or less, you'll earn an annual percentage yield (APY) of NaN. If your balance is between $50,000–$99,999.99, you'll earn a NaN APY on your entire balance, and if your balance is $100,000 or more you'll earn a NaN APY on your entire balance.

Manage your money like a boss

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Is Capital One 360 a real bank account?

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.

How do I verify my Capital One 360 account?

For Capital One 360 accounts.
Sign in to your Capital One account, click on your profile in the top-right corner and choose “Account & Feature Settings” from the drop-down menu..
Scroll down to the “External Accounts” section, and select the “Verify account to finish setting up transfers” link..

How do I check my balance on my Capital One card?

Online: Log in to your online account, either through the Capital One website, or the Capital One mobile app. By phone: Just call (877) 383-4802 and enter your account information to check your balance. Capital One Eno: Text “account balance” or “bal” to Eno, Capital One's virtual assistant.

Can I have 2 Capital One checking accounts?

You can have up to three separate 360 Checking accounts. If this is your first 360 Checking account, you're requesting that we automatically issue a debit card (the "Card") to you, and we'll automatically link each additional 360 Checking account to the debit card.