Capital One 360 ​​Checking Account

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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Capital One 360 checking account

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.
Capital One 360 overdraft services
Capital One 360 overdraft services

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.

ATMs charges Capital One
ATMs charges Capital One

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
Fees 360 Checking Account Capital One
Fees 360 Checking Account Capital One

Summary table

Here you have a summary table with all features and fees:

DescriptionDetails
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.
WiresNo 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.
ZelleYes
Minimum Deposit$0
Capital One 360 features and fees

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:

Logo Chase
  • 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
Bank of America logo
  • 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
Wells Fargo logo
  • 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
Logo Sofi
  • No fees and no requirements
  • Nearly 60,000 ATMs
  • Welcome bonus of 250 dollars fulfilling conditions
  • High interest rates on CDs
Charles-Schwab-Logo
  • No fees no direct deposits
  • Fee-free withdrawals from ATMs around the world
  • Without minimum deposit
  • No welcome bonus
  • High interest rates on CDs
Chime checking account Logo
  • No fees no direct deposits
  • More than 60,000 commission-free ATMs
  • Without minimum deposit
  • No welcome bonus
  • High interest rates on Savings
Ally logo
  • 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
Citibank-logo
  • 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:

Best banks to open a checking account

Pros and Cons

We have made a table with all the advantages and disadvantages offered by the Capital one 360 ​​Checking Account:

ProsCons
No monthly fees and no requirementsDoes not give a welcome bonus
Access to high interest rates on CDs
High number of ATMs without commissions
Pros and Cons Capital One 360 Checking account

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:

InformationDescription
Websitehttps://www.capitalone.com/
Facebookhttps://www.facebook.com/capitalone/
YouTubehttps://www.youtube.com/user/capitalone/
Twitterhttps://twitter.com/capitalone
Phone1-800-289-1992
Interesting information about Capital One

Anothers product of Capital One

You also have a list with more Capital One products:

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.

Related Content

Finally, we show you related post about checking accounts:

Updated the day 1 September, 2023 by Alfredo Barandiarán

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