Start a bank account with no money

Checking at your fingertips

Keep your checking account secure

Misplaced your debit card? No sweat—you can lock (and unlock) it from our mobile app.

FREQUENTLY ASKED QUESTIONS - 360 Checking

What is an online checking account?

360 Checking is a checking account that comes with everything you need and without everything you don’t. Pay your bills, get cash, make deposits, and transfer money–all without monthly fees and extra trips to the bank. You can open a checking account online and manage your account securely by signing in on your phone or computer, instead of waiting for the bank to open first. And if you ever need help with your account, a real person is just a phone call away.

There are no fees to open, keep or use your Capital One 360 Checking account, or for foreign transactions. But let’s be totally upfront here: There may be some things you want or need to do with your account that will result in charges. If you request overnight check delivery or overnight delivery of a replacement card or request a stop payment, you may be charged a fee for these extra services.

What if I overdraw my account?

You have several options to choose from: Auto-Decline, Free Transfer and No-Fee Overdraft.

• Auto-Decline: We generally decline transactions that cause overdrafts on your account.
• Free Transfer: Automatic transfer of funds from your savings or money market account. 
• No-Fee Overdraft: No fees charged on approved transactions that put your account balance below $0.

Learn more about all of your options.

How do I earn interest with a checking account?

It’s easy—you’ll earn interest just by having money in your account. As of 11/15/2022, if your online checking account balance is $49,999.99 or less, you'll earn an annual percentage yield (APY) of NaN. If your balance is between $50,000–$99,999.99, you'll earn a NaN APY on your entire balance, and if your balance is $100,000 or more you'll earn a NaN APY on your entire balance.