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APY (Annual Percentage Yield) is variable and effective 9/23/2025.
No fees
There are no fees or a minimum balance to open, keep or use your savings account.
No worries
Your balance is FDIC-insured up to the allowable limits.
Bank on the go 24/7
You can bank from your phone and access your online savings account anytime, almost anywhere with our top-rated app.
Save money automatically
Save your way with Capital One’s AutoSave features. Set up automatic savings to your savings account, choose your amount and frequency, and watch your money grow.
Deposit checks by phone
Skip the trip to the bank and deposit checks from almost anywhere. All you need is a check, your phone and the Capital One Mobile app.
Visit a Capital One Café
Chat with Café Ambassadors or use our self-service banking options. You can also grab a snack or beverage and enjoy our cozy coworking spaces.
Open a savings account in about 5 minutes
It only takes about 5 minutes to open a 360 Performance Savings account, featuring one of the nation’s best savings rates.
FREQUENTLY ASKED QUESTIONS
How can I open an online savings account with Capital One?
You can open a 360 Performance Savings account in about 5 minutes online, on your mobile device or at a Capital One location—no minimum balance required.
To open a no-fee, no-minimum 360 Performance Savings account, have these things ready: your name, date of birth, mailing address, email, phone number, employment information, annual income, Tax ID Number (SSN or ITIN) and citizenship information. You’ll also need to agree to the terms and conditions. Based on varied factors, you may be denied for a 360 Performance Savings account. Upon approval, you’ll have 60 days to fund your account. Read more about the terms and conditions.
Can I open a 360 Performance Savings account at a Capital One location?
Absolutely! Whether at a branch, Café, or online through the Capital One Mobile app, you can open a 360 Performance Savings account anytime that fits your schedule, even beyond business hours.
Are there any fees to open, keep or use online savings accounts?
Not with a Capital One 360 Performance Savings account. There are no monthly fees or minimums, so every dollar you save works towards achieving your financial goals.
Are Capital One savings accounts FDIC-insured?
Yes, your savings are protected. Capital One’s 360 Performance Savings accounts are insured by the FDIC up to allowable limits, giving you peace of mind.
RESOURCES
Get closer to your financial goals
The Financial Success Hub offers tips & tools for your goals and financial health.
Explore the 360 Performance Savings Hub
Learn about the many features that come with a 360 Performance Savings account.
LOCATIONS
Find a Capital One Café or bank branch near you.
Personal finance should be, well, personal. That’s why we invite you to stop by and talk about your banking needs.