Home › Checking › Capital One 360

Is Capital One 360 a good checking account?

What Capital One 360 checking costs and pays, read from the bank's own page. Use Compare below to see it next to another bank.

The facts: monthly fee $0, minimum to open $0, APY 0.10% APY on all balance tiers (#9 of 9 interest-paying accounts we track).

Account

360 Checking

Minimum balance

$0

ATMs

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

Overdraft

No overdraft fees (no-fee overdraft option)

Source

bank page (2026-10-12)

Compare

• Capital One 360 vs UFB Direct
• Capital One 360 vs American Express
• Capital One 360 vs Bask Bank
• Capital One 360 vs Happen Bank
• Capital One 360 vs SoFi
• Capital One 360 vs Ally
• Capital One 360 vs CIT Bank
• Capital One 360 vs EverBank

More rates

• CD rates
• Money market rates
• Checking accounts
• Savings rates
• Savings Index & rate history
• Am I overpaying?

FAQ

Does Capital One 360 checking have fees?

Monthly fee: $0; overdraft: No overdraft fees (no-fee overdraft option) (per the bank's page, 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.