Bank easy. Live better.

Upgrade your mobile and online banking experience.

Get back to the business of living with online banking.

Life happens faster than expected. So why not expect more from your online bank? More time for what matters and more ways to access your money, almost wherever and whenever you need to. It’s why we offer easy-to-use online account tools in our top-rated mobile app–so that you can take care of what you have to do, and get back to what you care about most. You decide when, where, and how to bank. We’ll go with you.

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“The app makes it easy to track my spending and transfer money. It’s all I’ve needed to pay for meals with friends, some awesome trips, and all the other great memories I’ve made since I got it!”

India P., San Francisco, CA

Take care of your to-do list today.

Deposit, transfer and pay bills—anytime, almost anywhere.

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"Automatic saving is so easy, I don’t have to think about it. In fact, I tend to forget it. Then when I’m a little short, I remember I have this account. It’s like finding a $20 bill in a jacket you haven’t worn in awhile."

Andrea R., Brooklyn, NY

Plan for tomorrow.

You know your goals—now get to know your money.

Online Banking 101

How does online banking work?

With Capital One online banking, you choose when, where and how to bank. You can access your account online or through the Capital One Mobile app. With built in security and 24/7 access, your money is always at your fingertips. Keep in mind, web access is needed to use mobile banking and Mobile Deposits are available only in the U.S. and U.S. Territories. Remember to check with your service provider for details on specific fees and charges.

What are the advantages of online banking?

Thanks to online banking, you can manage your money anytime, almost anywhere. Use online bill pay to pay your monthly bills and Mobile Deposit to deposit checks using your mobile device’s camera without having to add a trip to the bank. Plus, access other online tools like digital payments, automatic savings and CreditWise.

Are online banks safe?

Capital One works hard to keep you and your money secure and protected against fraud. All of Capital One’s bank accounts provide online banking capabilities. Your account is also insured by the FDIC up to allowable limits.

What information do you need to set up online banking?

If you’re thinking about setting up a bank account online with Capital One, have these things ready: your name, date of birth, address, email, phone number, employment information, annual income, social security number, citizenship information and some amount of money for an initial deposit. You’ll also need to agree to the terms and conditions. Your account will need to be approved before it is officially considered open.

How do I setup online banking?

Capital One accounts include online banking for free. With Capital One, online banking set up is simple and only takes about 5 minutes. You can open an account online or at a Capital One location.

Can I open a bank account online for free?

Yes, Capital One 360 Performance Savings, 360 Checking, MONEY teen checking and Kids Savings Accounts all have no fees and no minimums. We don’t charge you to open or maintain your account.

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.

Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC.

Available to U.S. bank account holders only. Terms and conditions apply.

CreditWise availability will vary depending on ability to obtain your credit history from TransUnion®.

Apple Pay is a trademark of Apple Inc. Google Pay and the Google Pay Logo are trademarks of Google LLC.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

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.