No-Fee Bank Accounts | Checking & Savings

Footnotes

Learn more about FDIC insurance coverage.

Questions? Give us a buzz at 800-655-2265 to talk to a real person (8 a.m.-11 p.m., 7 days a week).

¹APY (Annual Percentage Yield) reflects the total interest you earn over a year, including compound interest.

Annual Percentage Yields (APY) are variable and effective as of 6/3/2026. CD rates are fixed upon opening the account. Early withdrawal penalties apply. The above terms are offered at this time and are subject to change.

360 Performance Savings
A rate of NaN Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of 6/3/2026. Rates are subject to change at any time before or after account opening.  

The rate of our 360 Performance Savings account is a top rate based on Curinos Inc. national percentile data for savings accounts on balances of $1.

The 360 Performance Savings and CD accounts have no monthly cycle service charge and no minimum balance required to open or maintain the account.

Smartphone access is needed to use the mobile app, mobile banking and Add Cash In Store. Check with your service provider for details on specific fees and charges.

The site may be unavailable during normal maintenance or due to unforeseen circumstances.

No-fee overdraft authorizes us to consider paying your checks, ACH and recurring debit transactions that put your account into overdraft. You also have the option to ask us to consider paying your everyday debit card and ATM transactions if they would cause you to overdraft your account. In making a payment decision, we typically consider a variety of factors, including the size of the transaction, whether your account is in good standing and/or if you have had too many overdrafts. If we elect to pay an overdraft item, you have no right to defer payment and you must deposit additional funds into your account promptly in an amount sufficient to cover the overdraft. To qualify for no-fee overdraft, you must regularly deposit at least $250 during two of the previous three calendar months. Accounts that haven't met this will no longer have access to overdraft until the next month when you've met this requirement. New accounts will not have access to no-fee overdraft until the consistent deposit requirement has been met.

Fee-Free ATM networks consist of Allpoint, MoneyPass and Capital One branded ATMs.
ATM count includes data from our third party network providers and was last updated March 25, 2026.
To find a fee-free ATM near you, visit locations.capitalone.com.
Fee-free ATM access is limited to consumer and business checking accounts.

The claims made regarding the competitiveness of our 360 CD account rates are based on Curinos Inc. national percentile data for CD accounts on balances of $5,000.

Compounding and crediting--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.

Add cash in store

For each add cash in store eligible account: add up to $999 per transaction, $1,500 a day and $5,000 a month. Add cash up to 10 times a month. Due to operational constraints, some add cash in store locations have varied limits. Additionally, the service will be unavailable at 7-Eleven, Stripes, and Speedway stores in the affected zip codes.
VanillaDirect Pay is provided by InComm Financial Services, Inc. (NMLS# 912772), which is licensed as a Money Transmitter by the New York State Department of Financial Services. Terms and conditions apply.
Certain merchants and cash amounts may require proof of ID.
Add cash in store is only available for eligible consumer checking and savings accounts at this time.
You can add cash at thousands of participating stores nationwide, including, Walgreens, Duane Reade by Walgreens, CVS®, Kroger® Family of Stores and 7-Eleven®. Not valid in CVS Pharmacy® at Target Stores.
Customers can opt into getting text information from Capital One for every transaction you make through add cash in store. Service fees may apply.
CVS is a trademark of CVS Pharmacy, Inc.

Capital One Cafés do not provide the same services as bank branches, but have self-service banking options, including ATMs, and Ambassadors who can help you. Visit capitalone.com/local for individual Cafés services and hours.

Offer valid every Thursday from June 4, 2026, to Sept. 3, 2026, from 3:00 p.m. local time to Café close. Offer does not include tax, and cannot be combined with 50% off promotion when you pay with your Capital One debit or credit card. Can be combined with the Reusable Mug Program discount. One offer per transaction. Any beverage that is less than $3.60 is not included. Food and beverages provided by a third party.

Food and beverages provided by a third party.

Mobile deposits are available only in the U.S. and U.S. territories.
Deposit limits apply; you will be notified of the limit at the time you make a mobile deposit.
You will be notified of when your funds will be available.

The EMVCo Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

By clicking on the download the app link above, you will be taken to a site hosted by Capital One, Apple or Google.

The Money & Life Program and Money & Life Mentors are not financial advisors, or accountants, or tax specialists. Materials have been prepared by Capital One for instructional and educational purposes ONLY. The information provided is not intended to encourage any lifestyle or changes without careful consideration and consultation with a qualified professional. Not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Capital One product or service to your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional. ©2026 Capital One®.

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Capital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above.
The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners.

Products and services are offered by Capital One, N.A., Member FDIC.

©2026 Capital One. Capital One is a federally registered service mark. 15000 Capital One Drive, Attn.: 12038-0111, Richmond, Virginia 23238. To contact us by mail, please use the following address: Capital One, P.O. Box 360, Wilmington, DE 19899.

No fees.
No minimums.

FIND A BANK ACCOUNT

Checking

360 Checking

Savings

360 Performance Savings

Savings

360 CDs

Enjoy $3.60 Thursdays at the Café

Banking built for your life

Bank 7 days a week at a Capital One Café

Get started with the Capital One Mobile app

Experience the freedom of flexible banking

MORE WAYS TO BANK

PROTECT YOUR ACCOUNT

Bank securely

FDIC coverage

Ready to visit a location?

Footnotes

No fees. No minimums.

FIND A BANK ACCOUNT

Checking

360 Checking

Savings

360 Performance Savings

Savings

360 CDs

Enjoy $3.60 Thursdays at the Café

Banking built for your life

Bank 7 days a week at a Capital One Café

Get started with the Capital One Mobile app

Experience the freedom of flexible banking

MORE WAYS TO BANK

PROTECT YOUR ACCOUNT

Bank securely

FDIC coverage

Ready to visit a location?

Footnotes

No fees.
No minimums.