Bank on easy mode with 360 Checking
Say hello to a no-fee 360 Checking account
360 Checking accounts are super simple, with none of those pesky fees, minimums or overdraft fees. And if you need help? Fear not. Café Ambassadors are on hand to assist, not sell.
In-person or on the go.
Bank the way you want to bank.
With a top-rated mobile app, easy digital banking is right at your fingertips. But if you prefer the in-person thing, Capital One Cafés provide comfy spaces for handling everyday banking needs, with most Cafés open 7 days a week with extended hours—check your local Café’s hours.
Real time alerts
Get instant, proactive alerts with Eno and Capital One's top-rated mobile app.
Digital debit card
Feel free to leave your bag at home. Your 360 Checking debit card is on your phone.
Card lock/unlock
Easily lock your card if you lose it or suspect fraudulent purchase.
Set your goals in motion with Capital One
Scroll around the Financial Success Hub to find tips, tools and resources on topics like saving, spending and planning for your future. And while you’re there, you’ll see links to free programs and courses—some from partners like Khan Academy—designed to help you reach your goals.
Take your financial literacy to the next level
Tame your personal finances with a free course from Khan Academy.
Get ready to achieve your financial goals
Explore Money & Life's exercises, mentoring and workshops—for free.
Can’t stop thinking about 360 Checking? Get started.
Whether you like to bank online, in person or maybe even a mix of the two, there are so many ways 360 Checking helps make banking easy.
FREQUENTLY ASKED QUESTIONS
What is a Capital One online checking account?
Online checking accounts from Capital One come 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. Open a 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.
What are the fees associated with Capital One 360 Checking?
There are no fees to open or keep 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.
What if my account gets overdrawn?
At Capital One, we don’t charge consumer checking accounts a fee when an approved transaction takes your balance below zero. That means no overdraft fees. Plus you’ve got options when it comes to your account: 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 to cover overdrafts.
- No-Fee Overdraft: No fees charged on approved transactions that put your account balance below $0.
How do I earn interest with a checking account?
You can earn interest on the money in your account. As of 11/12/2025, 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.