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Capital One 360

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description Capital One 360 Overview

Capital One 360 offers a compelling blend of online banking convenience and Capital One's established reputation. Their mobile app is highly rated for its ease of use and features, including mobile check deposit and budgeting tools. Capital One 360 provides a range of accounts, including checking and savings, with competitive interest rates and rewards programs. The bank's strong security measures and fraud protection provide peace of mind.

While not as high-yielding as some competitors, Capital One 360s overall package makes it a solid choice for many.

help Capital One 360 FAQ

Did Capital One 360 used to be called ING Direct?

Yes, Capital One acquired the online banking division of ING Direct in 2012 and rebranded it as Capital One 360. The rebrand retained the highly successful high-yield, branchless banking model that ING Direct pioneered.

Does Capital One 360 charge monthly maintenance fees on their checking accounts?

Capital One 360 Performance Checking accounts do not charge any monthly maintenance fees or require a minimum balance. This makes it a highly popular choice for consumers who want to avoid the standard fees associated with traditional brick-and-mortar banks.

Can you deposit cash using the Capital One 360 mobile app?

While the highly rated mobile app allows for easy digital check deposits, you cannot deposit physical cash through the app. However, Capital One 360 customers can deposit cash for free at any Capital Bank branch or ATM.

Does Capital One 360 offer competitive interest rates on savings accounts?

The Capital One 360 Performance Savings account offers a competitive Annual Percentage Yield (APY) that is significantly higher than the national average. The exact variable rate fluctuates with the broader economy, but interest compounds daily.

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