BANKING BASICS
24/7
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.
Deposit checks in a snap
No lines, no waiting. Deposit checks straight from our mobile app just by snapping a pic.
Stay on top of your spending
Get real-time alerts about your checking account activity from Capital One and Eno, your virtual assistant.
360 CHECKING ACCOUNT BENEFITS
Bank securely
Your online checking account is safe with FDIC insurance and fraud coverage.
No monthly or maintenance fees
Your money is yours—let’s keep it that way.
Move money easily
Get your money on its way—pay bills online or send cash with Zelle®.
Get help in person
Visit our branches & Cafés to bank with our friendly Ambassadors.

Get paid early
Access your money up to 2 days sooner than payday with early direct deposit.
Overdraft options
Choose what happens if you spend more than you have in your checking account.
LOCATIONS
Your health and safety are our top priority
Your health and safety are our top priority
We are reopening with care, but some locations may still be impacted by COVID-19. In the meantime, you can access ATMs in branches that have reopened, in external vestibules at branches and Cafés, and at select Target®, CVS Pharmacy® and Walgreens® locations. Please use this search to check the status of locations near you.
FREQUENTLY ASKED QUESTIONS - 360 Checking
What is an online checking account?
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.
But where are the fees?
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.
What if I overdraft my account?
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.
How do I earn interest with a checking account?
It’s easy—you’ll earn interest just by having money in your account. As of