In addition, Capital One 360 offers automated savings services that can help you put more money aside for major expenses such as retirement.Ĭompare current savings account interest rates from multiple banks. That means you can get earning interest on as little as $1. There are no pesky maintenance fees associated with this account.
Thankfully, Capital One 360 makes up for this in other ways. However, since rates rise and fall, they shouldn’t be the only reason for open an account. The thing that first attracted me to this account was the high-interest rate, compared to many other online banks. I’ve had this account for nearly a decade now - first with ING Direct, and now with Capital One 360. The difference is this checking account doesn’t have any monthly fees, and you can earn interest on the money held in the account.
In short, you can do anything with this checking account that you can do with virtually any other checking account. Formerly known as Electric Orange Checking, the Capital One 360 Checking account gives you the freedom to write checks, make ATM withdrawals, utilize online bill pay, and make purchases with a debit card.
CAPITAL ONE 360 FREE
Capital One 360 Account Options Capital One 360 CheckingĬapital One offers free online checking. So you can start earning interest with only one dollar in the bank. There are no minimum deposits required to open a Capital One 360 account. Linking an external account to your 360 account for electronic funds transfer.Setting up direct deposit (for checking accounts).You can fund your Capital One 360 account in five ways: It takes about five minutes to answer the standard personal questions – your name, address, Social Security number, employment information, etc.įunding Your Capital One 360 Account. Opening an account with Capital One 360 is easy. Today, Capital One 360 is among the best banks in the U.S. Now, Capital One 360 is an online bank that marries the best features offered by ING Direct with the financial backing and strong financial products and services offered by Capital One.Ĭapital One 360 has all the features found at ING Direct, including savings and checking account options, CDs, sub-accounts, and the ability to link your account to external banks. However, the economic crisis took its toll on the bank, and ING’s parent company had to sell off its North American assets. ING Direct accounts were well known for offering substantially higher interest rates than could be found just about anywhere else. You can also use the service to create virtual numbers for online shopping and answer questions about your balance and statements.Ĭapital One 360 was created in 2012 when ING Direct sold its American banking branch to Capital One. Eno is a mobile personal assistant that monitors charges, tracks spending, and watches for fraudulent activity. You can create sub-accounts with different names and account numbers. In addition, the bank has a chain of trendy cafes that offer limited banking services but plenty of coffee. If you live in Connecticut, Delaware, Louisiana, Maryland, New Jersey, New York, Texas, Virginia, or the District of Columbia, there may be a full-service Capital One 360 location nearby.
You’ll find free access to more than 40,000 Allpoint network ATMs along with its plentiful branded ATMs. Something of a rarity, Capital One 360 offers interest-paying checking accounts with no fees. Each Capital One 360 account is FDIC-insured for up to $250,000. Phone, mail, fax, social media (general account questions) Some accounts offer ATM reimbursements, up to $15 per statement periodĪCH, Wire Transfers, Apple Pay, Google Pay, and Samsung Pay Small Business & Corporate Credit Cards, 401(k) plans, Merchant ServicesĪllpoint® ATM Network and Capital One branded ATMs Compare Online Savings Accounts Capital One 360 Features Capital One 360Ĭhecking, Savings, Money Market, CDs, Kids Savings Account, Teen Checking
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