Question 1

What is an online checking account?

Accepted Answer

360 Checking is a checking account that comes with everything you need and without everything you don’t. Pay your bills, get cash, make deposits, and transfer money–all without monthly fees and extra trips to the bank. You can open a checking account online and manage your account securely by signing in on your phone or computer, instead of waiting for the bank to open first. And if you ever need help with your account, a real person is just a phone call away.

Question 2

But where are the fees?

Accepted Answer

There are no fees to open, keep or use your Capital One 360 Checking account, or for foreign transactions. But let’s be totally upfront here: There may be some things you want or need to do with your account that will result in charges. If you request overnight check delivery or overnight delivery of a replacement card, request a stop payment, or write a rejected check, you may be charged a fee for these extra services.

Question 3

What if I overdraft my account?

Accepted Answer

You have several options to choose from: Auto-Decline, Next Day Grace and Free Savings Transfer.
- Auto-Decline: We'll generally decline all transactions that would take your account into overdraft.
- Next Day Grace: We'll pay for the overdraft transaction, and you’ll get a full business day to replace the amount you’ve overdrawn before we charge you a $35 fee.
- Free Savings Transfer: Automatically transfer funds from your 360 savings account to take care of what you owe.
[Learn more about all of your options.](https://www.capitalone.com/bank/overdraft-options/)

Question 4

How do I earn interest with a checking account?

Accepted Answer

It’s easy—you’ll earn interest just by having money in your account. As of , if your online checking account balance is or less, you'll earn an annual percentage yield (APY) of . If your balance is between –, you'll earn a APY on your entire balance, and if your balance is or more you'll earn a APY on your entire balance.

Question 5

I’m interested—how can I open a checking account?

Accepted Answer

There are 2 ways to open a 360 Checking account, so you can do what’s best for you. [Set up your account online](https://apply.capitalone.com/index.html#/getting-started?productId=4000) or [open an account in person at a Capital One location](https://locations.capitalone.com/).

Question 6

How do I manage my money?

Accepted Answer

If you’d prefer to bank online-only, you can make deposits and transfers using the Capital One Mobile app, one of our deposit-taking ATMs, or by mailing in a check for deposit. To withdraw cash, just use your debit card wherever Mastercard® is accepted or at any of our 70,000+ ATM locations. If you need paper checks, you can order your first checkbook for free through your online checking account.

Question 7

What about my debit card?

Accepted Answer

When you open your first 360 Checking account online, your contactless debit Mastercard will arrive in the mail within about 5-7 business days in a plain, white envelope. If you already have a 360 Checking account, [use your existing debit card for both accounts](https://www.capitalone.com/support-center/bank/switch-spending-account/). Best of all, your card comes with $0 Fraud Liability, lock and unlock features, and access to fee-free ATMs across the country. [Learn more about what your debit card can do for you](https://www.capitalone.com/bank/debit-card/).

Question 8

Can I open a 360 Checking account at a Capital One location?

Accepted Answer

Life doesn’t just happen within business hours. That’s why 360 Checking accounts are available both online and in person at Capital One locations—so that you can bank on your schedule. Visit your nearby Capital One location to open your 360 Checking account and get started with awesome free digital tools (and a top-rated mobile app) to help you manage your money, anytime, almost anywhere.

Question 9

Can I add beneficiaries to a 360 Checking account?

Accepted Answer

Yes. You can assign up to 10 individuals as Payable on Death beneficiaries, which means that while you’re alive, the beneficiaries won’t have access to anything in the account. The only exception is that you cannot assign beneficiaries for a Trust account, where the trustee controls funds for another party. Assigning beneficiaries can give you peace of mind and can result in increased FDIC coverage for your accounts up to allowable limits. There are 2 ways that you can [manage beneficiaries for your accounts](https://www.capitalone.com/support-center/bank/manage-beneficiaries).

Question 10

Can I open a checking account with no initial deposit?

Accepted Answer

Yes, you can open a 360 Checking account with no initial deposit. Just keep in mind, you will need to make a deposit within 60 days or the account will be closed.

Question 11

Are online checking accounts safe?

Accepted Answer

Yes, with FDIC insurance up to the allowable limits, [fraud coverage](https://www.capitalone.com/bank/security-fraud-protection/) and real-time alerts, you can rest easy that your online checking account is safe at Capital One. Phew.

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