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 Account
Money Market Account
Certificate of Deposit
Business Money Market Account

 

Service my Direct Banking accounts
  • 1.75%
    APY*
    With $5,000 or more
    • Exclusive rate for Costco members — One of the best among the top national banks
    • 10% quarterly bonus on interest earned for qualifying accounts
    • No Fees
    • $5,000 minimum deposit to open
    • FDIC Insured
    Learn more about Online Savings Account

    View our rates and terms

    Open an Online Savings Account

  • 1.40%
    APY*
    • Exclusive rate
    • No monthly fees
    • Free online transfers, checks and ATM card*
    • Open with as little as $1,000
    • FDIC insured
    Learn more about High Yield Money Market

    Open a High Yield Money Market account

  • 2.45%
    APY*
    5-year term   
    • Exclusive fixed rates backed by FDIC insurance for Costco members
    • No fees to open or maintain your account
    • Convenient online access
    • $5,000 minimum deposit to open
    Learn more about Certificates of Deposit

    View our rates and terms

    Open a Certificates of Deposit account

  • 1.40%
    APY*
    • Exclusive rate
    • No monthly fees
    • Easy access with checks*
    • Open with as little as $1,000
    • FDIC insured
    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