Capital One 360 Checking Review
Capital One 360 Checking isn't available on Finder right now.
- Fee
- $0 per month
- APY
- 0.10%
- Minimum deposit to open
- $0
Our verdict
An interest-bearing checking account with flexible overdraft options and international access.
A strong option for the frequent traveler, the Capital One 360 Checking account has no fees or minimums, and you won't face many foreign transaction fees or currency transaction fees. Capital One has a large free network with over 70,000 ATMs. In addition, the account is interest-bearing, offering 0.1% APY, no matter your balance. Overdrafting won't incur any fees either, and you have three overdraft options to choose from. However, while the account's basic features are free, additional services, such as outgoing wire transfers, come with fees.
Best for: Frequent international travelers in need of a free checking account.
Pros
-
$0 monthly fee
-
$0 opening deposit
-
0% currency and foreign transaction fees
-
0.1% APY on all balances
Cons
-
Extra services may come with fees
-
$30 outgoing domestic wire fee
Who is Capital One 360 Checking best for?
The 360 Checking account is best for someone in need of a free, simple checking account or those who frequently travel internationally.
Seasoned globetrotters may find this account specifically advantageous because you won’t incur any foreign ATM fees, foreign transaction fees or currency transaction fees.
For everyone else, the Capital One 360 Checking account is still worth considering. It has no monthly fee, multiple overdraft options, a large ATM network and Capital One branches for direct customer support.
What we like about Capital One 360 Checking
This FDIC-insured 360 Checking account comes with a Mastercard debit card. Like most modern accounts, you can access early direct deposit, perform mobile check deposits through the app and sign in to your account to deactivate a stolen or missing card.
Few fees and other features
It also has few fees, which is always a major plus. You won’t pay anything to maintain the account, and there are no opening deposit requirements.
ATM access is broad, too, with over 70,000 free Capital One and Allpoint ATMs. And unlike most online banks, Capital One has wide-ranging customer service with 755 branches, including 30 cafés.
You can passively earn 0.1% APY with no balance requirements and get your first box of checks for free.
Capital One also offers complimentary credit monitoring and is integrated with the peer-to-peer payment app Zelle for free.
Multiple overdraft options
Setting it apart from many of its competitors, Capital One gives you three ways to avoid paying any overdraft fees — which can add up quickly at $30 to $40 each elsewhere.
Capital One 360 Checking account overdraft protection options include:
- Auto-decline. Capital One generally declines any charge that causes an overdraft on the account.
- Free transfer. Automatically transfer funds from your savings account or money market account into your 360 Checking to avoid overdrafting.
- No-fee overdraft. If you overdraft, there are no overdraft fees.
While Capital One doesn’t charge overdraft fees, it’s not wise to overdraft multiple times. Capital One states you must promptly deposit funds to cover the overdraft, and transactions won’t be approved until the account’s balance is positive. And if the account remains negative or you overdraft multiple times without resolving the balance, the account may close, which can impact your banking history.
Where 360 Checking falls short
While you get your first box of checks for free, Capital One charges for each box after that, costing either $7 or $11, depending on how many checks you want.
There are some additional fees as well, such as $30 for outgoing domestic wire transfers and $20 for online cashier checks with overnight shipping and $10 for cashier checks issued at a branch.
Capital One 360 Checking’s fees and access
| Type of fee | Fee details |
|---|---|
Monthly service | $0 |
Opening deposit | $0 |
ATMs | $0 |
Debit card fees | |
Overdraft or nonsufficient funds | $0 |
Wire transfers |
|
Other fees |
Compare Capital One 360 Checking to other checking accounts
Narrow down checking accounts by opening deposit requirements, fees and APYs. Tick the Compare box on up to four providers to compare accounts side by side.
What is the Finder Score?
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
Customer experience
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1.11 out of 5 stars, based on 1,857 customer reviews |
| Trustpilot score | 1.3 out of 5 stars, based on 2,899 customer reviews |
| Customer reviews verified as of | 13 March 2025 |
A long-standing bank that’s been in business for nearly 30 years, Capital One is accredited by the Better Business Bureaus (BBB) with the highest rating possible. It also has well over 14,000 customer complaints in the last few years, and most negative reviews on BBB are unique circumstances.
The reviews contain the usual complaints we tend to see for large banks, such as issues around late fees, grievances around cards being declined, hold payment problems, card delivery issues and other typical banking complications. However, a common thread in many of the negative reviews is poor customer service and communication issues.
Capital One doesn’t fare too well on Trustpilot either, as most reviews are negative and complaints are in a similar vein with BBB. Negative reviews commonly cite disappointment around not being approved for a credit card and poor customer service.
On the other hand, Capital One’s positive reviews cite reasonable fees, quick fraud resolutions and many customers praising the bank’s flexibility during the Covid-19 pandemic.
Checking account ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
Capital One 360 Checking is not currently available on Finder
Have you considered SoFi Checking and Savings?
Earn up to 3.80% APY on savings by meeting deposit requirements or by paying the SoFi Plus subscription fee every 30 days, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $2M of additional FDIC insurance through a network of participating banks.
- 0.50% APY on checking balance
- Up to 3.80% APY on savings
- $0 account or overdraft fees
- Get up to a $300 bonus with direct deposits of $5,000 or more
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Via customer survey commissioned by Finder
No fees and good customer support
Via customer survey commissioned by Finder
Pleasant employees dedicated to customer satisfaction. Quick to resolve any issues.
Via customer survey commissioned by Finder
So far I haven't had any problems with them.
Via customer survey commissioned by Finder
Capital One is awesome with their credit accounts but most people don’t know they have checking. 360 Checking is easy to use and has better customer support than other banks
Via customer survey commissioned by Finder
It's a good way to pay for things.
Via customer survey commissioned by Finder
Early payday, easy credit approval
Via customer survey commissioned by Finder
It is a good and reliable company that I can trust.
Via customer survey commissioned by Finder
I have found Capital One to be very easy to use and i would recommend them to any of my friends and family.
Via customer survey commissioned by Finder
Trustworthy and easy to use
Via customer survey commissioned by Finder
I’ve had some issues out of them sometimes money goes missing and sometimes it’s hard to do a dispute with them
Bethany Finder
Banking editor
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