360 CHECKING
A fee-free online checking account
Manage your money with no fees, no minimums and no overdraft fees.
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 open, keep 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 One, MoneyPass® 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 ATMs.
A top-rated app
Bank 24/7 with the Capital One Mobile app—check balances, make deposits and more.
Digital payments
With Zelle®, you can pay and get paid free and fast with your 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-fee, no-minimum 360 Checking account.
YOUR MONEY IS SAFE WITH CAPITAL ONE
LOCATIONS
Find an ATM or Capital One location near you.
When you need us, we'll be there. Visit a Capital One Café, ATM, or 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 bills, get cash, make 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 computer, instead of waiting for the bank to open. And if you ever need help with your account, a real person is just a phone call away.
What are the fees associated with Capital One 360 Checking?
There are no fees to open, keep or use your Capital One 360 no-fee checking account, or 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 check, send an outgoing wire or have a checkbook printed, you may be charged a fee for these extra services.
What if my account gets overdrawn?
You have several overdraft protection options to choose from: Auto-Decline, Free Savings Transfer, and 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 2/26/2025, if your online checking account balance is $9,999.99 or less, you’ll earn an annual percentage yield (APY) of NaN. If your balance is between $10,000–$24,999.99, you’ll earn a NaN APY on your entire balance. If your balance is between $25,000–$49,999.99, you’ll earn a NaN APY on your entire balance. If your balance is between $50,000–$99,999.99, you’ll earn a NaN APY on your entire balance. And if your balance is $100,000 or more, you’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.
ADDITIONAL INFORMATION
MORE WAYS TO MANAGE YOUR MONEY
