Credit Cards Checking & Savings Auto Business Commercial Learn & Grow Sign In 360 Checking Account No minimums, no fees, no worries. Open Account Account Details Mobile Benefits Locations Reviews FAQs Resources Open Account 24/7 mobile banking Access your money & bank almost anywhere with our top-rated mobile app. No fees to open, keep & use so your money stays where it belongs—with you. 70,000+ fee-free ATMs in more places where you already shop. CHECKING AT YOUR FINGERTIPS Account Protection Mobile Deposit Instant Alerts Keep your checking account secure Misplaced your debit card? No sweat—you can lock (and unlock) it from our mobile app. See Mobile Benefits 360 CHECKING ACCOUNT BENEFITS Bank securely Your online checking account is safe with FDIC insurance and fraud coverage. Add Cash in Store Add cash to your 360 Checking account at any CVS® location. Move money easily Get your money on its way—pay bills online or send cash with Zelle®. Get help in person Visit our branches & Cafés to bank with our friendly Ambassadors. Get paid early Access your money up to 2 days sooner than payday with early paycheck. Overdraft options Choose what happens if you spend more than you have in your checking account. Read Account & Rate Disclosures See Explanation of Key Services & Charges LOCATIONS Your health and safety are our top priority We are reopening with care, but some locations may still be impacted by COVID-19. In the meantime, you can access ATMs in branches that have reopened, in external vestibules at branches and Cafés, and at select Target®, CVS Pharmacy® and Walgreens® locations. Please use this search to check the status of locations near you. Enter a location WHAT CUSTOMERS ARE SAYING 4.4 88% Reviewers Recommend "All the best things from an online bank and all the best from a brick and mortar...free checks, no fees, a cool debit card and one of the best mobile apps out there." Columbus, OH "So easy to deposit any checks I receive—just take a pic on the app and send it...love the app...And I received interest on my checking account. Whoo Hoo!!!" Corpus Christi, TX 8400 reviews FREQUENTLY ASKED QUESTIONS - 360 Checking What is an online checking account? But where are the fees? What if I overdraft my account? How do I earn interest with a checking account? Show More MANAGE YOUR MONEY LIKE A BOSS BANKING BASICS Checking vs. Savings accounts, Money Markets & CDs Article | July 10, 2020 | 5 min read FINANCIAL TIPS Bank overdraft fees & protection Article | June 21, 2020 | 9 min read BANKING BASICS What is a Checking Account? Article | January 23, 2020 | 13 min read PRODUCTS Credit Cards Checking & Savings Auto Business Commercial Technology Capital One Shopping GET TO KNOW US About Corporate Information Newsroom Investors Careers & Jobs Diversity & Inclusion Sustainability Canada UK ON THE GO Locations & ATMs Mobile App Meet Eno Ask Alexa LEGAL Privacy Patriot Act Certification Wolfsberg Questionnaire Subpoena Policy Additional Disclosures SUPPORT COVID-19 2019 Cyber Incident Support Center Learn & Grow Resources for Military Accessibility Assistance Tweet @AskCapitalOne Contact Us Footnotes Learn more about FDIC insurance coverage. 1 Web access is needed to use mobile banking and Add Cash in Store. Check with your service provider for details on specific fees and charges. Routine or unscheduled maintenance may impact accessibility. Mobile deposits are available only in the U.S. and U.S. territories. 2 The Capital One Mobile app has a 4.8/5-star customer rating on the App Store and a 4.7/5-star customer rating on Google Play, both are in the top 10% in the Finance App category as of 03/29/2021 and 03/30/2021, respectively. 3 The Capital One ATM network offers access to more than 70,000 Capital One, MoneyPass® and Allpoint® ATMs. 4 Early paycheck is available for 360 Checking customers that set up direct deposit with their employer or other payor to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Certain non-payroll and tax payments are not eligible for early paycheck. Early direct deposits may be available to you up to 2 days earlier, however, we are dependent on the timing of your payor’s payment instructions and therefore you may not always see your direct deposits arrive early. Early paycheck eligibility may vary between pay periods and daily/transaction limits apply. It may take two cycles for your direct deposits to take effect. 5 Customers can opt into getting text confirmation from Capital One for every transaction you make through Add Cash in Store. Powered by VanillaDirect. Not valid in CVS Pharmacy® at Target stores. Add Cash in Store transaction limits apply: For each account, the monthly limit for adding cash in store is $4,995 or no more than 5 transactions per month. The daily limit is $999. 6 Capital One received the "Best Big Bank" award in the Bankrate Best Banks and Credit Unions of 2021 study. Visit http://www.bankrate.com/banking/best-banks/ for more details. 7 You must immediately report any suspected fraud due to your debit card being lost or stolen. If your debit card is ever lost or stolen, you will not be responsible for unauthorized charges. Claims of unauthorized use or for $0 fraud liability are subject to verification and investigation. ©2021 Capital One Privacy Security AdChoices Terms & Conditions