Do you want to see a complete review of the Capital One 360 Checking Account? From Responsible Economy we have carried out an analysis of all the features: fees, interest rate, welcome bonus, requirements and everything you need to know. You also have a comparison of the best checking accounts you can open 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 best features of the Capital One checking account is that there are no commissions to open the account, nor monthly maintenance. The checking account is free without having to meet any minimum requirements.
Minimum deposit
It is not necessary to have a minimum balance in the account or to make any deposit when opening it.
Overdraft services
As you already know, overdrafts occur when your account falls below zero dollars. Capital One has commissions for discounts and allows you to choose 3 options in your account that we show you in the following list:
- 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 fee on approved transactions that put your balance below $0
Zelle
You can send and receive money instantly with Zelle.
ATMs
Withdrawals with Capital One have many advantages since you will have commission-free withdrawals at all its ATMs and in more than 40,000 stores and shopping centers without having to pay anything. In the rest of ATMs they do charge commissions but they do not give more information.
Fees
We have made a table with all the commissions that the Capital One 360 Checking Account has:
- 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
Requirements
These are the necessary requirements to open the 360 checking account Capital One:
- To be over 18 years old. Those under the age of 18 will need a parent or legal guardian as a co-owner of the checking account.
- Reside in the United States
- Have a Social Security
- Have an American phone
Documents
The documents that we must present to open this account are the following:
- driver’s license, Social Security card, passport or birth certificate
- proof of address
Best banks in 2023
Here you have a complete list with the best banks to open a checking account in the United States with the main 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 ways to open a checking account: online and at a branch. If you open the account online, it can be 24 hours a day, but if you do it in a branch, it will have to be during business hours.
Frequent questions
We answer all the questions you may have:
More informacion about Capital One
Now we show you more information about Capital One:
| Information | Descripcion |
|---|---|
| Web | https://www.capitalone.com/ |
| https://www.facebook.com/capitalone/ | |
| YouTube | https://www.youtube.com/user/capitalone/ |
| https://twitter.com/capitalone | |
| Phone | 1-877-383-4802 |
Conclusions
After all the analysis carried out and having compared it with the best checking accounts, our conclusion is that Capital One’s 360 Checking Account is one of the best checking accounts that you can open in the United States because it has no monthly fees, you can withdraw money in more than 60,000 commission-free ATMs and you have access to high-interest CDs. The only drawback we can put is that it does not have a welcome bonus.
Another Capital One products
Here is a list of more products offered by Capital One:
- Certificates of deposit: Capital One 360 CD offers one of the highest returns in 2023.
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Updated the day 12 May, 2023 by Alfredo Barandiarán
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