Compare Checking Accounts

spacer

Features of all personal checking accounts:
 Which account is right for you?

Answer a few simple questions in our Personal Checking Selector and get a recommendation for which checking account is right for you.

Switch to Capital One

Ready to leave your bank for Capital One? We've simplified the process-plus you can use our online SmartSwitchSM tool.
 

Interest Bearing Account3 

Monthly Service Fee

Rewards for Everyday Banking

Unlimited Check Writing

Rewards Checking: 
Free Checking that rewards you when you swipe your debit card, write a check, or pay bills online.  Plus get bonus rewards:
• 1,000 mile anniversary bonus
• 1,000 mile new account bonus
• 4,000 mile direct deposit bonus

 

yes
Completely Free Checking:
No monthly charges with unlimited check writing and no minimum balance requirement.

      

yes
50+ Free Interest Checking: 
Customers 50+ earn interest with no monthly charges and no minimum balance requirement.

yes

yes
VIP Free Interest Checking: 
Earn interest on your free checking account with direct deposit or automatic home loan payments with Capital One.

yes

  

yes
Tower Gold Checking: 
Customers earn higher interest on balances of $2,500 or more.

yes

$15 if combined qualified balances fall below stated minimum3

  

yes

When you're ready to open an account, apply online, by phone at 1-888-855-BANK (2265), or at any branch location.

Compare Small Business Checking Accounts.

 

spacer
1 Free Online Bill Payment Service is not intended for use by commercial and institutional clients with annual sales exceeding $10 million.  If you schedule a bill payment through Capital One online bill pay service at least 4 business days before the due date and meet the other requirements of the Online Bill Payment Authorization and Agreement and incur a late fee or penalty fee because the payment does not arrive on time, Capital One will reimburse you (up to $50) for any late fee or penalty you incur and will work with you and the payee to resolve any issues associated with a delayed payment.

2 At certain ATMs owned and operated by Capital One Bank located in gaming establishments and at other non-branch locations having no Capital One signage, you may be charged a fee up to $4.99 for each cash withdrawal. The amount of the fee varies by location and will be displayed on the ATM screen.  You will be given an opportunity to cancel the transaction before the fee is imposed.

3 Interest will be compounded on a daily basis and credited on the last day of the monthly cycle. Interest is calculated using the actual number of days in the monthly cycle divided by the actual number of days in the year.