Checking accounts for students

To open a Capital One 360 Checking account, have these things ready: your name, date of birth, mailing address, email, phone number, employment information, annual income, Tax ID Number (SSN or ITIN) and citizenship information. You’ll also need to agree to the terms and conditions. Once you’re approved, you’ll have 60 days to fund your 360 Checking account. Based on certain factors, you may be denied for a 360 Checking account. Read more about the 360 Checking terms and conditions.

To open a MONEY Teen Checking account, parents and teens will need to provide details like address, dates of birth, Tax ID Number (SSN or ITIN) and the teen’s phone number. Read more about the MONEY Teen Checking terms and conditions.

Capital One doesn’t require proof of enrollment or a graduation date to enjoy any of our fee-free checking accounts.

Students 18 and older can open a 360 Checking account. 

Students 8 and older can open a MONEY Teen Checking account with a parent or legal guardian as a joint account holder. The teen will get their own debit card and sign-in to build financial independence, while the parent has oversight and control via their own sign-in.

Graduation does not affect a student’s 360 Checking or MONEY Teen Checking account status. Capital One checking accounts for students stay open and fee-free.

When a teen with a MONEY Teen Checking account turns 18, they have the option to keep the account or open a 360 Checking account and transfer their MONEY Teen Checking balance.

Yes. Capital One offers credit cards for students ages 18 and up to help them build credit with responsible use. Each card features a $0 annual fee and the ability to earn unlimited cash back on qualifying purchases.

Correct! There are no monthly fees, no minimum balance and no hidden requirements to open, keep and use 360 Checking or MONEY Teen Checking accounts.

Yes. Whether you’re on campus, off campus or home for the summer, you can get cash from one of America’s largest fee-free ATM networks. You can find these ATMs at 70,000+ locations, including where you already shop—like select Target®, Walgreens and CVS® stores—and at Capital One Cafés and branches.

You can link eligible external bank accounts to your 360 Checking or MONEY Teen Checking account, so parents can transfer money quickly and securely from other banks. And with Zelle®, you can send and receive money with family and friends from Capital One or external eligible bank accounts.

360 Checking and MONEY Teen Checking accounts share several important features, such as no fees, our top-rated Capital One Mobile app and convenient ATM, branch and Café locations across America. 

360 Checking is a great choice for college-age students 18 and up, with features including online bill pay and early paycheck. MONEY Teen Checking offers students 8 and up and their parents unique mobile features: teens can set and track financial goals, while parents can monitor spending, set up allowance payments and lock/unlock their teen’s debit card.

A MONEY Teen Checking account is available for kids and teens ages 8 and up, who can be joint account holders with a parent or legal guardian. Your child will only be able to have one open MONEY Teen Checking account at a time.

Parents or legal guardians on a MONEY Teen Checking account can send automatic allowance, make one-time transfers, remove money, view transactions and receive text alerts and notifications through the Capital One Mobile app. They can also enable Zelle® access for their teen (if the teen is 13 or older) and control their child’s Zelle® daily spend limit ($20 to $500), as well as lock and unlock their child’s debit card. Parents or legal guardians don’t receive their own debit card.

Only one parent or legal guardian can open a MONEY Teen Checking account and be the account holder for their kid or teen. However, a parent or legal guardian can open accounts for multiple teens and be the account holder for each one. Only one MONEY Teen Checking account is allowed per teen.

At 18, your teen has the option to open a no-fee, no-minimum 360 Checking account and transfer their balance from their MONEY Teen Checking account. If they choose not to, the MONEY Teen Checking account will stay open.

You can conveniently add cash to your 360 Checking or MONEY Teen Checking account at any participating store with the Capital One Mobile app.