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.

There are no fees to open, keep or use your Capital One 360 no-fee 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.

You have several overdraft protection options to choose from: 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.

Learn more about all of your overdraft options.

You can earn interest on the money in your account. As of 8/14/2025, 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.