#Capital 360 online banking plus#
#Capital 360 online banking free#

When it comes to your banking needs, you’ll have access to just about everything you expect from a bank through Capital One 360, as well as some products that aren’t as common for online-only banks. As a former ING Direct customer, I “inherited” a Capital One 360 savings account that I still use today, and I can personally attest to the convenience and ease of use it offers.

Mobile check deposits with CheckMateSM & one checkbook’s freeĬapital One 360 launched in 2013 after Capital One acquired ING Direct and rebranded the service.

#Capital 360 online banking free#

Free MasterCard® Debit Card for all purchases.38,000 fee-free Allpoint® ATMs and 2,000 Capital One® ATMs.No hidden fees or minimums as you earn interest on your everyday money.Rates and terms are current as of June 14, 2023.

#Capital 360 online banking plus#

Capital One Venture X Rewards Credit Card was our top travel rewards card for lounge access, since cardholders get access to Priority Pass airport lounges as well as Capital One’s own network of lounges.Ĭapital One SavorOne Student Cash Rewards Credit Card was our top student rewards card because of its great bonus categories and perks most student cards don’t offer.Ĭapital One SavorOne Cash Rewards was our top cash back rewards card for groceries because it offers accelerated earnings on groceries and dining, plus a generous sign-up bonus. The early withdrawal penalty is three months’ worth of interest for CDs with one-year maturities or shorter, and six months’ worth of interest on longer CDs.Ĭapital One’s name recognition is primarily because of its credit cards, and its offerings have turned up on a number of Buy Side rankings.Ĭapital One Venture Rewards Credit Card was Buy Side’s top overall travel rewards card on the strength of its generous rewards rate, sign-up bonus and simple earnings structure. It also offers promotional CDs with especially generous rates from time to time, which Buy Side has highlighted in the past in our monthly roundup of the best CD rates. Wide range of CD terms and competitive yieldsĬapital One offers CDs with fixed terms ranging from six months to five years, which is convenient if you want to create a CD ladder with some of your savings. The bank also offers what’s essentially a grace period to bring your balance current called No-Fee Overdraft. The only common fees you might run into are outgoing wire transfer fees of up to $30, and fees of $7 and $11, respectively, for orders of 50 or 100 paper checks.Įven though you won’t get hit with overdraft fees, 360 Checking has a few options to keep you from overdrawing your account: You can have transactions simply declined if they would result in a negative balance, or you can authorize automatic, free transfers from a linked Capital One account. There are no charges for overdrafts, out-of-network ATM usage or foreign transactions. Although it has a low interest rate compared with some online banks’ high-yield checking accounts, there are no minimum balance requirements or monthly maintenance charges.Įliminating a lot of common fees helps you keep more of your cash even if you’re not earning much interest on it. Capital One gives customers lots of flexibility in how they bank without piling on annoying fees. The bank’s 360 Checking was also Buy Side’s top pick among checking accounts. It isn’t just in savings where Capital One shines. No minimum checking balance or annoying fees

For instance, you won’t have to jump through hoops like setting up direct deposit or conducting a certain number of monthly transactions to earn the advertised APY.Īside from a generous interest rate, 360 Performance Savings makes it easier to save money with digital tools that help you establish a budget and track your financial goals and no “gotcha” fees.

The APY is variable, like all savings accounts, but Capital One doesn’t have a bunch of fine print that can hamper your ability to save. The 360 Performance Savings account doesn’t have minimum balance requirements, monthly maintenance charges or overdraft fees. The unusual combination is a big reason we named this account the Best Savings Account for 2023. Its generous APY is similar to those offered by online-only banks, although Capital One has several hundred traditional branches.

Account can be linked to a Capital One checking accountĬapital One 360 Performance Savings is an easy-to-use, virtually fee-free account that gives you a competitive interest rate and the flexibility to bank in person or digitally.

Set and track savings goals via online and app-based tools.

Open and manage your account via web, mobile app, branch.

No minimum opening balance or monthly maintenance fee.