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How Capital One 360 products compare
Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options. Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options. Find the right savings account for youOverall bank ratingPros and consCapital One 360 Performance Savings™Capital One 360 Performance Savings™ Annual Percentage Yield (APY) 3.00% Minimum Deposit Amount $0 Capital One 360 Performance Savings™ Annual Percentage Yield (APY) 3.00% Minimum Deposit Amount $0 Capital One 360 Performance Savings™DetailsAnnual Percentage Yield (APY) 3.00% Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Easy to save for various goals Check mark iconA check mark. It indicates a confirmation of your intended interaction. 24/7 live chat Dash iconA dash. It often indicates an interaction to shrink a section. Limited access to customer service by phone HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Capital One doesn't require an initial deposit or minimum account balance, and it doesn't charge a monthly service fee. The Capital One 360 Performance Savings account pays a high interest rate. You can find a higher rate at a couple other big-name banks, but it's definitely one of the best out there. Your child can earn 0.30% Annual Percentage Yield (APY) with a kids savings account, and the rate will jump up to the regular interest rate once they turn 18. Capital One 360 Performance Savings makes it easy to save for various goals. Set a savings goal and your target amount, then schedule recurring transfers from your Capital One 360 Checking account until you've saved the full amount. Capital One 360 Checking®
Capital One 360 Checking® Annual Percentage Yield (APY) 0.10% Minimum Deposit Amount $0 Capital One 360 Checking® Annual Percentage Yield (APY) 0.10% Minimum Deposit Amount $0 Capital One 360 Checking®DetailsAnnual Percentage Yield (APY) 0.10% Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. 0.10% APY on all account balances Check mark iconA check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. No foreign transaction fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Range of overdraft protection options Check mark iconA check mark. It indicates a confirmation of your intended interaction. Processes direct deposits up to 2 days early Dash iconA dash. It often indicates an interaction to shrink a section. $2 out-of-network ATM fee Dash iconA dash. It often indicates an interaction to shrink a section. Doesn't reimburse out-of-network ATM fees Dash iconA dash. It often indicates an interaction to shrink a section. Limited access to customer service by phone HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Capital One doesn't charge foreign transaction fees, making it a great option for regular travelers. There are no monthly fees, and the bank provides several overdraft protection options. The account also has an early direct deposit feature so you can receive paychecks up to two days early. Capital One 360 Certificate of Deposit®Capital One 360 Certificate of Deposit® Annual Percentage Yield (APY) 2.70% to 4.25% Minimum Deposit Amount $0 Capital One 360 Certificate of Deposit® Annual Percentage Yield (APY) 2.70% to 4.25% Minimum Deposit Amount $0 Capital One 360 Certificate of Deposit®DetailsAnnual Percentage Yield (APY) 2.70% to 4.25% Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Low-to-standard early withdrawal penalties Dash iconA dash. It often indicates an interaction to shrink a section. No jumbo or no-penalty CDs HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Capital One 360 CD come with term lengths ranging from six months to five years. Capital One does set itself apart by not requiring an initial deposit to open a CD — most banks ask for at least $500. Capital One doesn't offer as many types of CDs as some banks do. For example, you can't open a no-penalty CD or jumbo CD with Capital One. Your only option is a regular term CD. How Capital One 360 worksCapital One has hundreds of branch locations across Louisiana, Maryland, New Jersey, New York, Texas, Virginia, as well as Washington DC. It also has dozens of Capital One Cafés, where you can grab Peet's Coffee®, speak with a money coach, and open a bank account. Capital One 360 is Capital One's online operation. You can have a hybrid in-person/online banking experience if you live near a branch or Café, or you can bank completely online with Capital One 360. Capital One's website is easy to navigate, and its mobile app has received 4.9 out of 5 stars in the Apple store and 4.6 out of 5 stars in the Google Play store. Once you set up an online account, you can chat 24/7 with a live customer service representative. If you want to speak with an agent on the phone, you can call between 8 a.m. and 11 p.m. ET. Between Capital One ATMs and partner ATMs, you have access to over 70,000 ATMs nationwide. The bank doesn't charge a fee if you use an out-of-network ATM, but it doesn't reimburse any out-of-network fees charged by an ATM provider. Your Capital One bank account is FDIC insured for up to $250,000, or up to $500,000 for a joint account. Capital One 360 trustworthiness and BBB ratingThe Better Business Bureau rates businesses by how they deal with customer issues and handle transparency. Capital One 360 has an A- rating because it's received a high volume of customer complaints on the BBB website. A good BBB rating signifies a company responds effectively to customer complaints, has honest advertising practices, and is transparent in how it handles business. The company does have a recent controversy, though. Capital One paid $80 million after the Office of the Comptroller of the Currency stated that the bank was partially responsible for a 2019 data breach in which a hacker accessed over 100 million credit card applications. The OCC said Capital One's security was inefficient at the time. Capital One 360 vs. AllyAlly will be the strongest option if you'd like to open a money market account, because Capital One 360 doesn't have one. For savings accounts, it could be a close toss-up between the two banks. Ally and Capital One have a similar structure to their savings accounts. If you're looking to open a checking account, Capital One might be more appealing. Capital One offers more ways to access your account. Capital One has physical locations in some states and a bigger ATM network. Capital One 360 vs. DiscoverDiscover Bank requires at least $2,500 to open a money market account and Capital One 360 doesn't have one. You also might like Discover if you're looking for a rewards checking account. With the Discover Cashback Debit Account <desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#111"> </path></g> </desc> , you'll earn 1% cash back on up to $3,000 of debit card purchases each month. For CDs, it'll be a toss-up between Discover Bank and Capital One. Both banks offer similar rates so it could ultimately come down to how much you have to open a CD. Frequently asked questions (FAQ)You can deposit cash to a Capital One checking account by using the bank's mobile app or going to a Capital One ATM. If you use the bank's mobile app, you'll need to visit a CVS location. Capital One won't charge you an ATM fee if you use a Capital One, MoneyPass, or Allpoint ATM. However, if you use a bank ATM that's not in one of these networks, you might have to pay a $2 fee.
Laura Grace Tarpley, CEPF Personal Finance Reviews Editor Laura Grace Tarpley (she/her) is a personal finance reviews editor at Insider. She edits articles about mortgage rates, refinance rates, lenders, bank accounts, wealth building, and borrowing and savings tips for Personal Finance Insider. She was a writer and editor for Insider's "The Road to Home" series, which won a Silver award from the National Associate of Real Estate Editors. She is also a Certified Educator in Personal Finance (CEPF). She has written about personal finance for over six years. Before joining the Insider team, she was a freelance finance writer for companies like SoFi and The Penny Hoarder, as well as an editor at FluentU. You can reach Laura Grace at . Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services » Read more Read less Top Offers From Our Partners
Wealthfront Cash Account A high-yield savings account that earns 3.30% annual percentage yield. No account fees. APY as of 11/14/2022.Where can I deposit cash into my Capital One 360 account?You can make a cash deposit at any Capital One ATM, branch or Café. Capital One customers cannot deposit cash at MoneyPass® or Allpoint® ATMs.
Can I deposit cash into my Capital One 360 account at an ATM?ALREADY HAVE CASH OR CHECKS? To deposit cash into your 360 Checking account, you can always hit up a Capital One ATM. Our MoneyPass® and Allpoint® partner ATMs don't accept deposits, so make sure you see the Capital One logo.
Can you deposit cash at an ATM that isn't your bank?No, you can only deposit cash at specific ATM's that are especially set up to accept deposits. Also, the ATM you use must be owned by or in partnership with your bank or credit union. In order to make sure you use the right ATM, I suggest checking with your bank via phone or online.
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How can i deposit cash into capital one 360
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