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Capital One 360 vs SoFi checking

Capital One 360 and SoFi checking side by side: fees, minimums, interest, ATMs and overdraft.

APY

Capital One 360: 0.10% APY on all balance tiers
SoFi: 0.50% APY on checking balances, no minimum

Monthly fee

Capital One 360: $0
SoFi: $0

Min to open

Capital One 360: $0
SoFi: $0

Min balance

Capital One 360: $0
SoFi: $0

ATMs

Capital One 360: 70,000+ fee-free Capital One, MoneyPass and Allpoint ATMs; out-of-network owners may charge
SoFi: 55,000+ fee-free Allpoint ATMs

Overdraft

Capital One 360: No overdraft fees (no-fee overdraft option)
SoFi: No overdraft fees; coverage up to $50 with $1,000+ monthly direct deposit

Sources: Capital One 360, SoFi (2026-10-12).

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FAQ

Which pays more interest on checking, Capital One 360 or SoFi?

SoFi has the higher stated top-tier APY as of 2026-10-12.

Where do these rates come from?

Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.