360 Checking

No monthly fees, no minimums and no overdraft fees.
mobile banking

Access your money & bank almost anywhere with our top-rated mobile app.

No fees
to open, keep & use

so your money stays where it belongs—with you.

70,000 +
fee-free ATMs

in more places where you already shop.

Checking at your fingertips

Keep your checking account secure

Misplaced your debit card? No sweat—you can lock (and unlock) it from our mobile app.

360 Checking Account Benefits

Bank securely

Your online checking account is safe with FDIC insurance and fraud coverage.

Overdraft options

There are no fees for any overdraft option you choose. See your overdraft options.

Get paid early

Access your money up to 2 days sooner than payday with early paycheck.

Get help in person

Visit our branches & Cafés to meet with our friendly Ambassadors.

Add Cash in Store

Add cash to your 360 Checking account at any CVS®, Walgreens® or Duane Reade by Walgreens® location.

Move money easily

Get your money on its way—pay bills online or send cash with Zelle®.


Account and Rate Disclosures

Read disclosures

Key Services and Charges

See details

Already have 360 Checking?

Stay up-to-date on all the features—from Bill Pay to Early Paycheck—that your account offers.


Find an ATM or Capital One location near you.

When you need us, we’ll be there. Visit a Capital One ATM or branch near you or experience Banking Reimagined® at a Capital One Café.


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.

There are no fees to open, keep or use your Capital One 360 Checking account, or for foreign transactions. There may be some things you want or need to do with your account that will result in charges. If you request a cashier's check, send an outgoing wire, or have a checkbook printed, you may be charged a fee for these extra services.

You have several options to choose from: Auto-Decline, Free Savings Transfer and No-Fee Overdraft.

  • Auto-Decline: We generally decline transactions that cause overdrafts on your account.
  • Free Savings Transfer: Automatic transfer of funds from your savings or money market account. 
  • No-Fee Overdraft: No fees charged on approved transactions that put your account balance below $0.

Learn more about all of your options.

You can earn interest on the money in your account. As of 7/22/2024, if your online checking account balance is $49,999.99 or less, you'll earn an annual percentage yield (APY) of NaN. If your balance is between $50,000–$99,999.99, you'll earn a NaN APY on your entire balance, and if your balance is $100,000 or more you'll earn a NaN APY on your entire balance. Interest on your account will be compounded and credited on a monthly basis. Your account will only receive an interest posting if the amount earned during the month rounds to at least $0.01.

Manage your money like a boss