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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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:

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/
Facebook	https://www.facebook.com/capitalone/
YouTube	https://www.youtube.com/user/capitalone/
Twitter	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 MONEY Teen Checking account.
• Capital One credit cards:
  • Capital One Quicksilver credit card.
  • Capital One Quicksilver Rewards for good credit.
  • Capital One Quicksilver Rewards for fair credit.
  • Capital One Quicksilver benefits.
  • Capital One SavorOne Rewards for good credit.
  • Capital One SavorOne Rewards for excellent credit.

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