A fee-free online checking account

360 Checking is a free 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 360 Checking account online and manage your money securely by signing in on your phone or computer, instead of waiting for the bank to open. And if you ever need help with your account, a real person is just a phone call away.

Unlike other checking accounts that charge monthly maintenance or foreign transaction fees, there are no fees to open, keep or use your 360 Checking account. 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 overdraft protection options to choose from: Auto-Decline, Free Savings Transfer, and no-fee Overdraft.  (These are opt-in features you can select in your checking account preference settings.)

• 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 to cover overdrafts.
• No-fee Overdraft: We cover approved transactions that take your balance below $0 and we don’t charge a fee for doing it.

Learn more about all of your overdraft options.

You can earn interest on the money in your account. As of 11/5/2026, if your online checking account balance is $9,999.99 or less, you’ll earn an annual percentage yield (APY) of NaN. If your balance is between $10,000–$24,999.99, you’ll earn a NaN APY on your entire balance. If your balance is between $25,000–$49,999.99, you’ll earn a NaN APY on your entire balance. 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.

Yes. With FDIC insurance up to the allowable limits, fraud coverage and real-time alerts, you can rest easy that your online checking account is secure at Capital One.

You can open your account online, meet with one of our ambassadors at a Capital One branch or an ambassador can help you open it yourself at a Capital One Café. You’ll get free digital tools (and a top-rated mobile app) to help you manage your money anytime, almost anywhere.

Have these things ready: your name, date of birth, mailing address, email, phone number, employment information, annual income, Social Security number and citizenship information. You’ll also need to agree to the terms and conditions. Based on varied factors, you may be denied for a 360 Checking account. Upon approval, you’ll have 60 days to fund your account. Read more about the terms and conditions.

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 at any of our 70,000+ ATM locations. If you need paper checks, you can order your first 50-count checkbook for free by signing in to your 360 Checking account online or with the Capital One Mobile app, or by calling customer support.

Capital One digital banking offers convenient access to your accounts, no monthly fees and a range of tools to help you manage your money effectively.

We offer several features to help with fraud protection, such as a secure login and real-time alerts. We also provide ways to fight fraud, including debit card lock/unlock, fraud reporting and $0 liability for unauthorized charges. And you can bank with confidence knowing that our fraud services team is ready if you need them. You’ll get real help from real people. Learn more about Capital One fraud support.

Since peer-to-peer payment scams are increasingly common with checking accounts, we also have dedicated guidance on p2p Capital One fraud to help you stay protected.

Capital One is a member of the Federal Deposit Insurance Corporation (FDIC), an independent federal agency that insures balances up to the allowable limits held in various types of consumer and business deposit accounts. Your 360 Checking account balance is automatically FDIC-insured up to this allowable limit, giving you peace of mind knowing your money is safe with Capital One. Learn more about Capital One FDIC coverage.

Please note that any Capital One or Discover Bank deposit accounts opened on or after May 18, 2025, are immediately counted with your other Capital One deposit accounts for determining deposit insurance coverage by the FDIC.

Yes! After you open a 360 Checking account, you can invite a joint account holder in a few simple steps.