Would you like to read a comprehensive review of the Capital One 360 Checking Account? Responsible Economy has conducted a thorough analysis of its features, including fees, interest rates, welcome bonuses, requirements, and everything you need to know. Additionally, we have provided a comparison of the best checking accounts available for opening in the United States in 2023. Welcome!
Video Capital One 360 checking account
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Features
In this section we show you in detail all the characteristics of the Capital One 360 checking account:
Fees
One of the standout features of the Capital One checking account is that there are no opening fees or monthly maintenance charges. The account is completely free, and there are no minimum requirements to fulfill.
Minimum deposit
There is no minimum balance requirement or initial deposit needed to open the account.
Overdraft services
In the event of an overdraft, when your account balance goes below zero, Capital One provides three options to choose from:
- Auto-decline: Transactions that would cause an overdraft are typically declined.
- Free transfer: Funds are automatically transferred from your savings or money market account to cover the overdraft.
- No-fee overdraft: Approved transactions that result in a negative balance incur no fees.

Zelle
You can enjoy the convenience of instant money transfers using Zelle.
ATMs
Capital One offers significant benefits when it comes to ATM withdrawals. You can make fee-free withdrawals at all Capital One ATMs, as well as at over 40,000 retail locations and shopping centers nationwide.

Fees
We have created a comprehensive table outlining the commissions associated with the Capital One 360 Checking Account:
- Monthly maintenance fee: $0
- Overdraft services: $0
- ATMs: no commissions at Capital One ATMs and in more than 40,000 stores, but the rest do have commissions.
- Wires: No fees on incoming transfers and $30 on outgoing transfers
- Cashier´s checks: $20 online with overnight shipping and $10 in Capital One Location

Summary table
Here you have a summary table with all features and fees:
Description | Details |
---|---|
Monthly maintenance fee | $0 |
Overdraft services | $0 |
ATMs | $0 at Capital One ATMs and in over 40,000 stores. Commissions may apply at other ATMs. |
Wires | No fees for incoming transfers. $30 fee for outgoing transfers. |
Cashier’s checks | $20 for online orders with overnight shipping. $10 for orders placed at a Capital One location. |
Zelle | Yes |
Minimum Deposit | $0 |
Requirements
We have compiled a list of commissions associated with the Capital One 360 Checking Account:
- Monthly maintenance fee: $0
- Overdraft services: $0
- ATMs: No commissions at Capital One ATMs and in over 40,000 stores. Commissions may apply at other ATMs.
- Wires: No fees for incoming transfers. There is a $30 fee for outgoing transfers.
- Cashier’s checks: $20 for online orders with overnight shipping, and $10 for orders placed at a Capital One location.
Documents
To open the Capital One 360 Checking Account, you will need to present the following documents:
- Driver’s license: A valid driver’s license issued by the state or U.S. territory.
- Social Security card: Your original Social Security card or a copy of it.
Best banks in 2023
Here you have a comprehensive chart featuring the top checking accounts in the United States for opening a checking account, along with the key characteristics of each account:

- It is very easy to avoid monthly commissions
- Welcome bonus of 200 dollars fulfilling conditions
- More than 16,000 ATMs in the United States
- $25 minimum deposit
- Very low interest rates

- It is very easy to avoid monthly commissions
- More than 16,000 ATMs in the United States
- $100 minimum deposit
- No welcome bonus
- High interest rates if you have a lot of savings

- It is very easy to avoid monthly commissions
- Nearly 12,000 ATMs
- $25 minimum deposit
- Welcome bonus of 300 dollars fulfilling conditions
- High interest rates on CDs

- No fees and no requirements
- Nearly 60,000 ATMs
- Welcome bonus of 250 dollars fulfilling conditions
- High interest rates on CDs

- No fees no direct deposits
- Fee-free withdrawals from ATMs around the world
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs

- No fees no direct deposits
- More than 60,000 commission-free ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on Savings

- No fees no direct deposits
- More than 50,000 commission-free ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs and Savings

- Commissions of $10 if you do not meet requirements
- No fees at Citibank ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs
Video with the best banks
Here is a video in which we explain which are the best checking accounts in the United States:
Pros and Cons
We have made a table with all the advantages and disadvantages offered by the Capital one 360 Checking Account:
Pros | Cons |
---|---|
No monthly fees and no requirements | Does not give a welcome bonus |
Access to high interest rates on CDs | |
High number of ATMs without commissions |
How to open 360 Capital One 360 Checking Account
There are two options available for opening a checking account: online and at a branch. If you choose to open the account online, you can do so 24 hours a day. However, if you prefer to open the account at a branch, you will need to visit during their business hours.
Frequent questions
We answer all the questions you may have:
More information about Capital One
We have made a table with interesting information about Capital One:
Information | Description |
---|---|
Website | https://www.capitalone.com/ |
https://www.facebook.com/capitalone/ | |
YouTube | https://www.youtube.com/user/capitalone/ |
https://twitter.com/capitalone | |
Phone | 1-800-289-1992 |
Anothers product of Capital One
You also have a list with more Capital One products:
- Certifate of deposit: Here you have a Capital One CD review.
- Savings account: Capital One savings account.
- Checking account: Capital One 360 checking account review.
- Capital One Student checking account.
- Capital One credit cards:
Conclusions
After conducting a thorough analysis and comparing it with the best checking accounts available, we have concluded that Capital One’s 360 Checking Account is among the top choices for opening a checking account in the United States. It stands out for its lack of monthly fees, the wide availability of over 60,000 fee-free ATMs for cash withdrawals, and the opportunity to access high-interest CDs. The only minor drawback we can note is the absence of a welcome bonus.
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Updated the day 1 September, 2023 by Alfredo Barandiarán

Alfredo Barandiarán is not only passionate about finance and the economy, but also has more than 10 years of experience helping people find the best possible financial product. He has worked for 5 years at Iahorro and 2 years at Atrapacrédito. He has currently been running the financial comparator Responsible Economy for 3 years. I graduated in business from Complutense University of Madrid and has studied at ESIC and CEF. You can see all the professional experience of Alfredo Barandiarán on his LinkedIn profile