What’s a 360 Checking® account?

360 Checking is a checking account that comes with everything you need and not everything you don’t. Pay your bills, get cash, make deposits, and transfer money–all without the extra monthly fees and extra trips. You can open and manage your account securely by logging 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.

360 Checking accounts are available both online and in person at Capital One locations. If you’d like to open your account and bank with us in person, stop in at your closest Capital One location. 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 39,000+ ATM locations. If you need paper checks, you can order your first checkbook for free through your online account. After that, you’ll get 50 checks for just $5 every time you reorder.

If your online account balance is or less, you'll earn an annual percentage yield 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.

Nope, still no hidden fees. Using a Capital One 360 Checking account is fee-free, 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 overdraft on credit, request overnight check delivery, overnight delivery of a replacement card, a stop payment, or write a rejected check, there will be potential charges for these extra services.

We’ve got you covered. You have four options to choose from: Auto-Decline, Next Day Grace, Overdraft Line of Credit, 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 one business day to add more funds to your account to cover the balance.

• Overdraft Line of Credit: you’ll pay interest on the amount you overspend. Annual Percentage Rate (APR) Variable and Effective .

• 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.

In order to get you faster access to your money, we’ll expedite your new 360 Checking MasterCard® Debit Card by FedEx®, which will arrive in 1-3 business days after you sign up. Once you receive your card, you’ll be able to use it anywhere MasterCard® is accepted, including any ATM that has the Allpoint® or MasterCard® symbols on it.

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.