360 CHECKING
A fee-free online checking account
Manage your money with no feesno minimums and no overdraft fees.1
No fees. No minimums. No overdraft fees.
There are no monthly fees with a Capital One 360 Checking account. There’s also no minimum balance to openkeep and use your account. And there are no overdraft fees.
EASY WAYS TO MANAGE YOUR MONEY
Bank on the go at 70,000+ fee-free ATMs
Get cash from 70,000+ fee-free Capital OneMoneyPass® and Allpoint® ATMs—including in select Target®Walgreens and CVS® stores.
BENEFITS OF A 360 CHECKING ACCOUNT
Free debit card
360 Checking comes with a no-fee debit card to make purchases and get cash at over 70,000 ATMs.
A top-rated app
Bank 24/7 with the Capital One Mobile app—check balancesmake deposits and more.
Digital payments
With Zelle®you can send money to friends & family for free with your Capital One checking account.
In-person support
Visit our branches and Cafés and meet with our friendly Ambassadors.
Financial goals
Get tips and tools for meeting your financial goals at our Financial Success Hub.
And much more
Explore even more features that come with a no-feeno-minimum 360 Checking account.
YOUR MONEY IS SAFE WITH CAPITAL ONE
LOCATIONS
Find an ATM or Capital One location near you.
When you need uswe'll be there. Visit a Capital One CaféATMor branch near you.
Not near a Capital One branch? No problem.
We're flexible. There are plenty of digital and in-person ways to bank with a Capital One 360 Checking account.
FREQUENTLY ASKED QUESTIONS
What is an online checking account?
360 Checking is a free checking account that comes with everything you need and without everything you don’t. Pay your billsget cashmake deposits and transfer money—all without monthly fees and extra trips to the bank. You can open a 360 Checking account online and manage your money securely by signing in on your phone or computerinstead of waiting for the bank to open. And if you ever need help with your accounta real person is just a phone call away.
What are the fees associated with Capital One 360 Checking?
There are no fees to openkeep or use your Capital One 360 no-fee checking accountor for foreign transactions. There may be some things you want or need to do with your account that will result in charges. If you request a cashier’s checksend an outgoing wire or have a checkbook printedyou may be charged a fee for these extra services.
What if my account gets overdrawn?
You have several overdraft options to choose from: Auto-DeclineFree Savings Transferand no-fee overdraft.
- Auto-Decline: We generally decline transactions that cause overdrafts on your account.
- Free Savings Transfer: Automatic transfer of funds from your savings or money market account to cover overdrafts.
- No-fee overdraft: No fees charged on approved transactions that put your account balance below $0.
How do I earn interest with a checking account?
You can earn interest on the money in your account. As of 4/8/2026if your online checking account balance is $9,999.99 or lessyou’ll earn an annual percentage yield (APY) of NaN. If your balance is between $10,000–$24,999.99you’ll earn a NaN APY on your entire balance. If your balance is between $25,000–$49,999.99you’ll earn a NaN APY on your entire balance. If your balance is between $50,000–$99,999.99you’ll earn a NaN APY on your entire balance. And if your balance is $100,000 or moreyou’ll earn a NaN APY on your entire balance. Interest on your account will be compounded and credited on a monthly basis. Your account will only receive an interest posting if the amount earned during the month rounds to at least $0.01.
Are online checking accounts secure?
Yes. With FDIC insurance up to the allowable limits, fraud coverage for unauthorized transactions and real-time alertsyou can rest easy that your online checking account is secure at Capital One. Phew.
How can I open a 360 Checking account?
You can open your account onlinemeet with one of our ambassadors at a Capital One branch or an ambassador can help you open it yourself at a Capital One Café. You’ll get free digital tools (and a top-rated mobile app) to help you manage your money anytimealmost anywhere.
Have these things ready: your namedate of birthmailing addressemailphone numberemployment informationannual incomeTax ID Number (SSN or ITIN) and citizenship information. You’ll also need to agree to the terms and conditions. Based on varied factorsyou may be denied for a 360 Checking account. Upon approvalyou’ll have 60 days to fund your account. Read more about the terms and conditions.
How do I manage my money?
If you’d prefer to bank online-onlyyou can make deposits and transfers using the Capital One Mobile appone of our deposit-taking ATMsor by mailing in a check for deposit. To withdraw cashjust use your debit card at any of our 70,000+ ATM locations. If you need paper checksyou can order your first 50-count checkbook for free by signing in to your 360 Checking account online or with the Capital One Mobile appor by calling customer support.
What are the benefits of digital banking with Capital One?
Capital One digital banking offers secureconvenient access to your accountsno monthly fees and a range of tools to help you manage your money effectively.
How does Capital One help protect my account from fraud?
We offer several features to help with fraud protectionsuch as a secure login and real-time alerts. We also provide ways to fight fraudincluding debit card lock/unlockfraud reporting and $0 liability for unauthorized charges. And you can bank with confidence knowing that our fraud services team is ready if you need them. You’ll get real help from real people. Learn more about Capital One fraud support.
What does “FDIC-insured” mean?
Capital One is a member of the Federal Deposit Insurance Corporation (FDIC)an independent federal agency that insures balances up to $250,000 held in various types of consumer and business deposit accounts. Your 360 Checking account balance is automatically FDIC-insured up to this allowable limitgiving you peace of mind knowing your money is safe with Capital One. Learn more about Capital One FDIC coverage.
Please note that any Capital One or Discover Bank deposit accounts opened on or after May 182025 are immediately counted with your other Capital One deposit accounts for determining deposit insurance coverage by the FDIC.
Can I make someone a joint account holder with 360 Checking?
Yes! After you open a 360 Checking accountyou can add a joint account holder in a few simple steps.
ADDITIONAL INFORMATION
MORE WAYS TO MANAGE YOUR MONEY
