Access your money & bank almost anywhere with our top-rated mobile app.
so your money stays where it belongs—with you.
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.
There are no fees for any overdraft options you choose. See your overdraft options.
Visit our branches & Cafés to bank with our friendly Ambassadors.
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.
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 a cashier's check, send an outgoing wire, or have a checkbook printed, you may be charged a fee for these extra services.
What if I overdraw my account?
You have several options to choose from: Auto-Decline, Free Savings Transfer and No-Fee Overdraft.
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 3/20/2023, 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.