Available nationwide, Capital One 360 Checking is an account that is definitely worth considering. They provide high-quality customer service and top-notch banking tools focused on helping you, the customer, manage your money. The checking account earns stellar rates when compared to its competitors with absolutely no monthly fees.
If you’re looking for a free checking account with no fees, this is definitely an account worth considering.
If you plan on signing up for your free account, be sure to do it through our referral link! This link will score you a $25 referral bonus that you can use on anything you desire.
- Earns interest on everyday cash with no fees, no minimum online checking
- Pay bills and send cash online or on your mobile device
- Free MasterCard Debit Card for all purchases
- Use mobile check deposit when you’re on the go
- Learn more: Click this link to learn more about the Capital One 360 Checking Account features!
An attractive feature offered by Capital One 360 Checking is their interest checking accounts. Even with everyday money, Capital One is helping you earn money with money you already have. It goes at a rate of:
- 0.20% APY on balances up to $49,999
- 0.75% for balances of $50,000 to $99,999
- 1% on $100,000 or more
Capital One 360 Checking does not require a minimum opening account balance. You can open an account and start earning your interest even off a just a dollar.
In addition to Capital One-branded ATMs, you have free access to those that are part of the Allpoint network, for a total of over 39,000 ATMs.
Unfortunately, Capital One is mainly an online bank, so don’t expect there to be a branch at every street corner. Deposits are available through bank transfers and mobile app deposits.
If you are close to a branch location, deposits can be made there or at one of their branded ATMs.
Why You Should Open an Account
In my experience, opening an account with Capital One 360 Checking was unbelievably easy. You simple fill out their form and enter some required private information to open up an account. It took no longer than 15 minutes to finalize my sign-up.
The interest rate earned from the checking account may not be a lot, but it’s still better than nothing, which is what most banks offer.
No monthly fees is also an attractive feature by Capital One. Not having to worry about any monthly fees is a nice weight lifted off your chest.
This is definitely an account worth opening if you’re currently considering an online bank. Although it does have branch locations, you’re better off relying on their online and mobile features to make deposits and withdrawals. They’ve made it extremely easy thanks to their innovative online banking app. However, they do offer over 39,000 ATM locations so finding a physical location to deposit checks and cash shouldn’t be difficult.
If you plan on opening an account, be sure to open one through our referral link! This link will score you a $25 referral bonus that can used on anything you desire.
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