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