Expect more from your checking.

Open an online account with no monthly fees.

What’s a 360 Checking® account?

A fee-free online checking account you can use anytime, anywhere.

Features made with your life in mind.

A checking account that gives back.

Earn interest each month just by having money in the bank.

Account Balance Annual Percentage Yield (APY)
$0 - 
 or more

APYs are variable and effective as of .

Read Disclosures

See Explanation of Key Services and Charges.

“I learned the magical unicorn of fee-free banking truly does exist. I love how easy it is to pay bills, deposit, and transfer money online. I even receive free ATM withdrawals at many convenient locations.”

Hannah D., Saint Peter, MN

Stop paying money to use your money.

Fee-free means fee-free. Withdraw funds at any Capital One or Allpoint ATMs with no penalty, and enjoy no foreign transaction fees.

Make every day feel like payday.

With an online checking account, your money is always just a click away. Send cash and pay bills from your tablet, desktop or smartphone.

Finally, a checking account that’s as mobile as you are.

360 Checking: 101

Unlock everything you need to know to open a 360 Checking account today. For answers, just click the arrow next to each question below.

What is an online 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 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.

How do I open an account and manage my money?

360 Checking accounts are available both online and in person at Capital One locations. 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 40,000+ ATM locations. If you need paper checks, you can order your first checkbook for free through your online account.

How do I earn interest?

If your online 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.

But where are the fees?

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.

What if I overdraft my account?

We’ve got you covered. 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 one business day to add more funds to your account to cover the balance.

  • 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.

What about my debit card?

When you open your first 360 Checking account online, your contactless debit Mastercard will arrive in the mail within 6 business days. If you already have a 360 Checking account, use your existing debit card for both accounts. 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.

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

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.

Can I add beneficiaries to a 360 Checking account?

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 you accounts.

Can I open a checking account with no initial deposit?

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.

To minimize health risks from coronavirus (COVID-19), we are temporarily closing select branches and all Capital One Cafés. Customers will be able to access ATMs at any branch that is currently open. ATMs in external vestibules will continue to be accessible 24/7 as usual, even if the branch or Café is closed. You can also access our ATMs at select Target locations. Please use this search to check the status of locations near you.

See what other Capital One customers are saying.

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Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Routine or unscheduled maintenance may impact accessibility. Mobile Deposits are available only in the U.S. and U.S. territories.

The Capital One Mobile app has a 4.7/5-star customer rating on Apple’s App Store and is in the top 10% in the Finance App category as of 5/12/2020.

The Capital One Mobile app has a 4.7/5-star customer rating on the Google Play Store and ranks in the top 10% in the Top Free Finance App category as of 5/12/2020.

Questions? Get real answers, from real people.

Phone, social media, Morse code (okay maybe not Morse code). Talk to a Capital One associate today–no SOS required.

Learn more about banking with us.