About Direct Banking

What is Capital One® Direct Banking?

Direct Banking is Capital One's way of bringing you a variety of FDIC-insured savings accounts that earn great interest without you ever having to step into a bank - you access your account online or over the phone.

You are banking "directly" with us, so we can offer money market and savings accounts with more competitive rates than traditional branch banks, as well as great fixed rates on certificates of deposit.

JD Power award

Banking online with Capital One is easy as well as convenient. Utilizing our online tools will help you make the most of your money. And it's easy to get in touch with us; our Direct Banking Experts are available by phone six days a week, or you can log into Online Banking and send a secure message.

Our call center has been recognized for providing “an outstanding customer service experience” under the J.D. Power and Associates Certified Call Center ProgramSM. This distinction acknowledges our strong commitment to providing an outstanding customer service experience.

You can feel safe with us. Capital One, among the country's largest deposit institutions, is a leader in financial services, offering a broad spectrum of products and services to consumers, small businesses and commercial clients. We have more than $110 billion in total deposits because of the level of trust we've built with our customers.


Check out all our Direct Banking Products

InterestPlus Online Savings
Online Savings Account
High Yield Money Market Account
Rewards Money Market Account
Certificate of Deposit
Business Money Market Account

 

Service my Direct Banking accounts
  • 1.70%
    APY*
    With $2,500 or more
    • One of the best rates among the top national banks
    • 10% bonus on interest earned for qualifying accounts
    • No monthly fees
    • FDIC insured
    Learn more about InterestPlus Online Savings Account

    View our rates and terms

    Open an Online Savings Account

  • 1.50%
    APY*
    Balance over $10,000
    • A rate among the best
      in the nation
    • No monthly fees
    • Free online transfers
    • FDIC insured
    Learn more about Online Savings Account

    View our rates and terms

    Open an Online Savings Account

  • 1.20%
    APY*
    • Great rate backed by FDIC insurance
    • No monthly fees, no minimum balance
    • Free online transfers, checks and ATM card*
    Learn more about High Yield Money Market

    Open a High Yield Money Market account

  • 1.10%
    APY*
    • Great rate backed by FDIC insurance
    • 2,500 bonus miles*
    • Earn rewards for saving
    • No monthly fees, no minimum balance
    Learn more about Rewards Market

    Open a Rewards Money Market account

  • 2.85%
    APY*
    4-year term    
    • Fixed rates backed by FDIC insurance
    • No monthly fees to open or maintain your account
    • Convenient online access
    Learn more about Certificates of Deposit

    View our rates and terms

    Open a Certificates of Deposit account

  • 1.01%
    APY*
    • Great rate backed by FDIC insurance
    • Easy access with checks*
    • No monthly fees, no minimum balance
    Learn more about Business Money Market

    Open a Business Money Market account

For J.D. Power and Associates Certified Call Center ProgramSM information, visit www.jdpower.com

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