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Rating: 9.1 / 10 (Excellent)
3 Customer Reviews - see all comments
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Capital One Financial Corporation operates as the bank holding company for the Capital One Bank (USA), providing various financial products and services in the United States, the United Kingdom, and Canada. Capital One is a diversified bank that offers a broad array of financial products and services to consumers, small businesses, and commercial clients.
 
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How Do We Rate Capital One?

Breakdown

4.5/5
Account Features
4.7/5
Fees and Restrictions
4.7/5
Support, Reputation, and Financials

Our Overall Rating: 4.6 / 5 (Excellent)

With a checking account that pays a higher interest rate compared to the national average, has no monthly fee or minimum balance requirements, and offers access to over 39,000 ATMs nationwide, Capital One 360 is one of the most cost-efficient banking options available. Although this is an online-only offering, account holders can still visit Capital One branches (or cafés) to make cash deposits and receive in-person service. Capital One 360 checking accounts offer most all of the features of a traditional checking account with a fraction of the fees.

Capital One Account Features

Account Features - 4.5 / 5

Capital One's 360 checking account has no monthly service charge or balance requirement. There's also no charge for sending money with Zelle or Bill Pay with this account. In addition, Capital One will not charge customers for using a non-Capital One branded ATM to complete any transaction, but customers are subject to fees charged by the ATM owner. Overall, Capital One 360 online checking accounts provide plenty of banking tools, low fees, and high interest and are a great option for consumers looking for an online account. If having a branch near you is important, check its location finder online.
Types of Checking Accounts
Online Checking Accounts
Student Checking Accounts
Methods of Deposits
Mobile Check Deposit
Physical Branch
Wire Transfer
Online Transfer
Direct Deposit
Integration with Other Online Accounts
Savings
Retirement Accounts
External Banks
No-Fee ATM
No-Fee at Branded ATMs
No-Fee at Network ATMs
ATM Locations
More than 40,000 Capital One and Allpoint ATMs
Branch Offices
Over 400 branches

Interest (APY)

0.10%

Overdraft Protection

Several options: Auto-decline, automatic savings transfer, overdraft line of credit, next-day grace period.
Integration with Mobile Payment Services
Apple Pay
Google Pay
Zelle
SamsungPay
Card Blocking
Yes
Pay Bills Online
Yes
EMV Chip Technology
Yes
Bank Checks
Yes
Mobile App
Yes

Capital One Fees and Restrictions

Fees and Restrictions - 4.7 / 5

Capital One is the 11th-largest commercial bank in the United States when ranked by assets and deposits. The company offers non-interest-bearing and interest-bearing deposits, including checking, savings, and money market deposit accounts. Overall, Capital One is a solid financial institution that offers customers high-interest rates and fewer account fees for its Capital One 360 online accounts.
Maintenance Fee
0
Minimum Balance
0
Minimum Monthly Deposit
0
Minimum Number of Transactions
0
Other Fees
Check Reorder Fee
Insufficient Funds Fee

Capital One Support, Reputation, and Financials

Support, Reputation, and Financials - 4.7 / 5

With their Capital One Cafés, customers have a location where they can do their banking, get answers to financial questions, recharge their mobile devices, or gather for community meetings and workshops -- all while having a beverage and local pastry. Capital One also offers online and phone support (including FaceTime), top-rated mobile apps, and ATMs in places like Target®, Walgreens® and CVS/pharmacy® locations. On the downside, there are fewer branch locations than other banks.
BBB Rating
A
BBB Total Complaints
7158
BBB Resolved Complaints
883
Trust Pilot Rating
1.4 out of 5
Consumer Financial Protection Board (CFPB) Complaints
1721
Date Collected
2020-11-09
Year Founded
1988
Live Help 24/7
No
Customer Support Hours
8AM - 11PM ET, 7 days a week

Contact Methods

  • Phone
  • Email
  • Social Media

Company Profile

Full Name
Capital One 360 Checking Accounts
Company Website
https://www.capitalone.com/
Headquarters
1680 Capital One Drive, McLean, VA, 22102
Top Rated
Our Partner
SEE OFFER

Earn $100 with Direct Deposit¹

  • Get Paid Up To 2 Days Early with Direct Deposit Set Up²
  • No Monthly Fees & No Min. Balance Required 
  • 50k+ Fee-free ATMs³ at Walgreens®, 7-Eleven®, CVS® & more
  • No Fees for Foreign Transactions & Transfers
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Latest Capital One Reviews

L
Lucifer D

10/29/2023
So because they held my ATM check deposit of $20,000.00, for work and services I provided for a month out of my pocket, lolz over a month i couldn't pay my rent. My phone bills and credit cards are unpaid I'm now in a lot of debt and I my wife and 2 children under 4 are living in our truck.

D
D

10/3/2022
You have been warned - NEVER DO BUSINESS WITH CAPITAL ONE. DO you know they have a business banking policy that says if fraud / theft committed on your business banking and you do not bring it to their attention in 24 hours - you are out of luck! Yes it is true. Anyone can rob you and Capital One will not do a thing to help. In addition, there is no way to call anyone except through Costa Rica and those people will tell you $1000 doesn't to Americans because to us it is not a lot of money. They do not care, they do not want to help and in fact make things even more difficult after they allow your money to be stolen. My attorneys will will big and they will pay but in the meantime, I... Read More

Dianne C

2/13/2021
I have kept my Captial One 360 Account for less than a year. When you call Customer Service they are not well-trained & had to talk to a manager several times. Then, the managers were so rude. They gave the impression they want everything digital so they don't have to talk to any customers.

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