- 1 Capital One 360 Reviews and Rates
- 2 Capital One Review – Capital One 360 Banking Services Review
- 3 How can i Sign Up Capital One 360 Account Online?
- 4 10 Happy Years with Capital One 360 Checking [My Review]
- 5 Capital One 360 Online Banking Login
Capital One 360 Reviews and Rates
If you’re looking for a strong all-round option in online banking, Capital One 360 is a particularly good choice. In fact, it’s The Simple Dollar’s pick for the best free checking account. This online arm of Capital One should appeal to anyone who wants to dip their toes into online banking with a convenient, trusted service that boasts several physical locations and a nationwide ATM network.
Capital One 360 launched in 2013 after Capital One acquired ING Direct and rebranded the service. As a former ING Direct customer, I “inherited” a Capital One 360 savings account that I still use today, and I can personally attest to the convenience and ease of use it offers.
When it comes to your banking needs, you’ll have access to just about everything you expect from a bank through Capital One 360, as well as some products that aren’t as common for online-only banks. Here are the key offerings:
- Savings: Capital One 360 offers personal, business, and kid-focused savings accounts.
- Checking: There’s a no-fee personal checking account and a teen-friendly checking account that links to a debit card and helps teach your child how to manage money.
- CDs: Choose from nine terms ranging from six to 60 months when you want to amp up your personal or business savings.
- Mortgages: Whether you need a fixed- or adjustable-rate mortgage, Capital One 360 has you covered at competitive interest rates.
- Investment accounts: With the Capital One Investing platform, you can build a portfolio of stocks, ETFs, and mutual funds. You can also open an IRA.
In addition, parent company Capital One fills in the gaps with auto loans, credit cards, and more extensive business and commercial banking. However, there are no money market accounts or personal loans.
If you’re nervous about online banking, note that your deposits with Capital One 360 will be protected by the Federal Deposit Insurance Corporation, just like at any brick-and-mortar bank. In addition, your data is fully encrypted and protected by several layers of security such as firewalls, intrusion detection, and multi-factor authentication.
Capital One 360 Savings has a lot of appeal, and now is a great time to jump in: Great news – Capital One 360 has extended their current offer – sign up by 11/30 to earn up to $500 when you maintain a certain balance for 90 days. (Note offer expires on 3/31/2016.)
The interest rate, currently 0.75% APY, isn’t the highest you can find online, but it’s still pretty competitive — especially when you consider that the national average is .09%, according to Bankrate. Add that to this account’s other perks, including no fees and no account minimums, and you’ve got a compelling savings option. Here are the account features at a glance:
- No maintenance fees: At other banks, you may have to pay a fee just to have an account.
- No account minimums: You don’t have to have a certain amount of money to open an account or maintain any sort of minimum balance to avoid a fee.
- A great rate: You’ll earn 0.75% APY, more than eight times the national average.
- Open multiple accounts: You can have up to 25 different savings accounts for free.
- 24/7 account access: Need to make a withdrawal at 2 a.m.? No problem.
- Customer support any day of the week: You’re just a phone call away from a real person.
- Easy account management: Schedule stress-free automatic deposits, and track your progress with the My Savings Goals feature.
- Mobile check deposit: Depositing funds is as simple as snapping a picture with your phone using the CheckMate feature.
One of the nicest features on this list is the ability to open up to 25 savings accounts without ponying up account maintenance fees. This is a great way to stay organized if you have multiple savings goals.
Right now, I have a few separate savings accounts with Capital One 360, and have had several more in the past, including one dedicated to saving for a down payment on our house. You could also have one emergency-only account, one for a dream vacation, and so on.
I can also vouch for the convenience of the automatic savings plan, which let me funnel a certain amount of money into my savings account every other week without lifting a finger. You can also set up an automatic transfer to take place as often as every week or as little as once every few months depending on your savings goals. It’s a great way to force yourself to save and requires very little effort to set up.
The biggest downside here is the interest rate. I’ve watched my interest rate sink (and sink … and sink) over the past several years from a high of close to 5%, when I opened it with ING. Now, that’s not a situation that’s unique to Capital One 360 — rates have plummeted everywhere, and the current rate of 0.75% is definitely higher than brick-and-mortar banks offer.
However, some competing online-only banks are closer to 1.0% APY — you’ll find a few in our guide to the best savings accounts. That isn’t a lot in the grand scheme of things, but every bit helps.
Capital One 360 Checking shares many of the benefits of the savings account, including no maintenance fees and mobile check deposits. Though I don’t personally use Capital One 360 for checking, The Simple Dollar has picked it as one of the best checking accounts for 2016. Why? Here are some of the main features:
- No maintenance fees or minimums: You won’t need to keep a minimum balance or hook up direct deposit to avoid maintenance fees, like many other banks require.
- No overdraft fees: At many banks, you’ll pay $30 or more every time your account is overdrawn.
- Nationwide ATMs: You’ll get fee-free access to 38,000 Allpoint ATMs and 2,000 Capital One ATMs.
- Free debit card: You’ll get a MasterCard debit card to make purchases. And as a bonus, there are no foreign transaction fees if you use it overseas.
- Pay other individuals for free: You can easily send money directly to others’ bank accounts, even if they don’t also bank with Capital One 360.
- Mobile check deposit: Depositing funds is as simple as snapping a picture with your phone using the CheckMate feature.
- Free online bill pay: Use the bill pay center to keep up with bills online — no need to waste checks or stamps. If a bill ever arrives late because of Capital One 360, they will pay your penalty fees.
- Earn interest on your balance: You’ll get 0.20% APY for balances of up to $49,999.99, 0.75% from $50,000 to $99,999.99, and 0.90% on $100,000 or more.
One of the biggest perks of Capital One 360 Checking is the lack of an overdraft fee. These fees top $30 at other banks and can add up fast. Instead, Capital One hooks up your checking account to an Overdraft Line of Credit of up to $1,000. You’ll simply pay interest (right now, 11.25% APY) on the amount you’re overdrawn only for as long as you’re overdrawn.
To get an idea of how much that can save you, here’s an example: If you slipped up and overdrew your account by $100 for just five days, you’d only pay about 15 cents in interest with Capital One 360 instead of a fee over $30 with another bank. That’s a big savings for anyone who has let their balance slip into the red from time to time.
On the downside, you’ll have to have a pretty substantial balance to earn anything more than 0.20% APY on this account, and there are competitors that offer better yields on checking. For instance, Ally will bump you up to 0.60% for balances over $15,000, and Bank5Connect offers 0.76% on any balance over $100. If you’re like most people, you aren’t going to park a huge amount of money in a checking account. Still, the interest is a nice bonus.
I also want to mention the fees that I did see: $25 to stop payment, $20 to overnight a check, and up to $40 for domestic wire transfers. The first two fees are in line with national averages, but $40 for wire transfers is high — so take note if you think you may use wire transfers often.
You will also have to pay for checks with Capital One 360. The first checkbook is free, but after that, it’s $5 per book of 50 checks. It’s a trade-off I’ll gladly make for no account maintenance fees and the lack of overdraft gouging, but it’s still worth noting.
Capital One 360 Accounts for Children and Teens
Online banks will probably be even more common once your kids are grown, so Capital One 360 could be the perfect way to teach them about money.
- Kids Savings Account: A lot of banks offer savings accounts aimed at teaching kids the value of a dollar, but most earn the paltry interest rates typical at brick-and-mortar institutions. Kids will earn the same 0.75% APY that their parents do and have access to tools including the automatic savings plan and My Savings Goals tracker. They get their own log-in to check their balance, but adults will have to transfer money to and from the account.
- MONEY (teen checking): This checking account aimed at teens help them learn how to use a checking account and fully featured debit card, but adults can easily keep tabs on account activity. Teens have access to all of Capital One’s ATMs as well, but only adults can initiate online money transfers.
Getting Started with Capital One 360
Capital One has a clean, easy-to-use website, and opening an account is a fairly effortless affair. To open a savings or checking account, you’ll need to enter standard personal information: name, address, date of birth, and Social Security number.
You’ll also need to link your new account to an existing checking account for funding purposes. You simply enter your account number and bank’s routing number, all found on the bottom of your current checks. You’ll be asked to verify ownership of your external account by confirming one or two small deposits from Capital One 360. You can link up to three personal checking accounts to a Capital One 360 checking or savings account.
After you open a savings account, your funds will be held for 10 business days for security purposes. After that, all new deposits are held for five business days before they’re available for withdrawal. Checking account deposits have a standard two-day hold; however, some types of deposits (such as direct deposit) are available sooner. You may have to wait up to five days to access all of a check deposit over $500, however.
You tend to rack up overdraft fees: If you’re in the habit of withdrawing more than you owe, you know that bank fees make that an expensive habit. Though you should still aim to better track your balance and avoid the situation entirely, Capital One 360’s Overdraft Line of Credit means you’re likely to pay just pennies in interest instead of over $30 in fees.
You’re looking for a lot of services in one spot: A lot of online-only banks focus only on checking and savings to the exclusion of other products, but you have a lot more to choose from with Capital One 360, like mortgages and investments. And 360’s parent bank, Capital One, provides easy access to other products such as auto loans and credit cards.
You’re not that tech-savvy but still wants to start banking online: Opening an account with Capital One 360 is very simple, and the online interface is very streamlined. Several cities now even have inviting brick-and-mortar Capital One 360 Cafes, where you can open an account or speak with an associate in person over a cup of Peet’s coffee.
You have a variety of savings goals and want an easy way to manage them: Capital One is great for savers with a lot of different goals. Because you can have up to 25 different accounts for free, it’s easy to keep your money in different buckets but still manage each account in one spot.
You like the idea of online banking, but lesser-known online banks make you nervous: Capital One 360 is an established brand with all the resources of a major bank, including its huge ATM network — that may mean peace of mind for some people.
Who Might Want to Skip Capital One 360?
While Capital One 360 should have a lot of appeal for the casual saver who wants a convenient venue for their online banking, there are still a few downsides. You may want to look elsewhere if:
You’re chasing the highest interest rate: While Capital One 360 offers solid interest rates that eclipse those offered by traditional brick-and-mortar banks, they aren’t the highest you’ll find online. For instance, some competitors such as Synchrony Bank and Ally offer savings account rates closer to over 1.0% APY.
You need your money fast: This can be an issue with all online banks, but some online reviewers complain that Capital One 360’s hold times on check deposits are too long. Assuming you’re using mobile check deposit to put funds in your checking account, you’ll only get access to the first $200 of a check over $500 the next business day. You’ll have to wait five business days to access the remainder of the deposit. (Note that direct deposits, if available, are a good way around this, as you can get same-day access to those funds.) For savings accounts, you’ll wait five business days to access any deposit. Since I don’t expect to turn around and immediately access my savings, I’ve been OK with this delay, but I can understand why the checking holds would be frustrating.
You want 24/7 customer service: Disappointingly, Capital One 360 does not staff its call center around the clock. Many may not take issue with this, but it’s worth noting that several competitors do let you talk to a live person, even at 3 a.m.
Ready to Bank with Capital One 360?
When it’s all said and done, Capital One 360 is a great option for anyone who wants the convenience of online banking, better-than-average interest rates, and no account maintenance fees. Capital One 360 has extended their current offer – sign up by 11/30 to earn up to $500 when you maintain a certain balance in your new account for 90 days.
If you’re not quite sold, you can check out more of The Simple Dollar’s banking recommendations in our guides to the best free checking accounts, best savings accounts, and best money market accounts to find the right home for your money.
Capital One Review – Capital One 360 Banking Services Review
Capital One has a great many financial services. Our Capital One review focuses on their Capital One 360 banking services. Just like any other bank, Capital One 360 allows you to open a checking account, set up a savings account and invest in CDs (Certificates of Deposit). While conducting our Capital One review, we were surprised to see how much Capital One 360 banking services differ from other online banks. There are almost no fees, and there is offline support in the form of High Street branches that you may find in your local town or city. To help save you from searching for their fees, we have listed all of their standard fees in this review.
Capital One review – Benefits And Features
- No opening deposits or maintenance fees
- Set up savings goals, track them, and dedicate savings accounts for each goal
- Account linking may help you avoid going into an unplanned overdraft
- You may set up flexible savings accounts that do not penalize you for withdrawing
- Capital One 360 has very competitive CDs that offer three times more than the national average
- The online user interface for credit facilities is very easy to understand
- Set up CDs for as long as five years
- They have over 40,000 ATMs nationwide
- Almost all of their financial products have very good interest rates
[+] You gain access to some of the many other Capital One services they offer
[+] The bank is ideal for people who wish to avoid fees of all kind
[+] Capital One 360 is an online bank that has a few mixed-use branches you may visit
[+] They have customer-friendly overdraft policies that allow you to avoid going charged
[+] You may earn 0.2% on balances up to $50,000, and that percentage climbs as you deposit more
[+] They have no minimum opening balances and no monthly fees
[+] You may open up to 25 savings accounts
[-] You may only deposit cash at their branches or in one of their cafes, and they do not have branches/cafés on every High Street.
[-] The nine-month CDs pay the same as their savings accounts
[-] The app occasionally gives users problems
[-] Their website doesn’t have the full attention of full-time tech workers
[-] Customer support would rather you close your account than try to help you
[-] Their fees are dressed up with fancy words
Capital One 360 will pay you interest on your checking account balance, which is a fantastic thing, especially since they pay you 0.04%, which is more than the national average. Their checking accounts are free, and they have many ATMs in their network around the country. You may withdraw money for free from their ATMs, though depositing cash can be difficult. They have a mobile app that allows you to photograph your checks to deposit them. If you wish to deposit cash, you will have to do it at their branches or at one of their Capital One cafes.
The rates that Capital One gives are high compared to High Street banks, but they are about average when compared with other online banks. One of the great things about Capital One 360 is that you may open up to 25 savings accounts with them. You may turn your savings accounts into the ultimate budgeting tool. You may set up automatic saving tools and attach them to your savings goals. Track your savings goals in each of your dedicated accounts.
If you are thinking about getting a two-year CD, then Capital One 360 offers interest rates that are as much as three times more than the national average. While researching our Capital One review, we noticed that their savings accounts offer the same interest rates as their nine-month CDs. Instead of going for their nine-month CDs, you may as well put your money in their savings accounts instead of locking it away in a CD. Their Certificate of Deposit interest rates go from 0.4% to 2%, which is very good. You may set up CDs that go from six months to five years.
Capital One Review – Biggest Selling Point
Their checking account offers you interest on your balance, and the money you have is just sitting there, so it may as well be earning interest on it. The amount of interest you receive will go up depending on the balance you maintain in your checking account. It can go up to as high as a 0.9%. Capital One is known for lending. They are world-class lenders, but I was a little more impressed with the interest they give you on your Capital One 360 checking account.
Capital One review – Fees And Charges
Nice try Capital One. You really gave me the run-around trying to find your fees and charges. I loved the naughty answer one of your customer support staff said, “If you apply for an account, we have to give you all our terms and conditions by law.”
- $0.00 Monthly maintenance charge
- $0.00 Minimum balance requirement
- $0.00 Minimum opening deposit
- $0.00 Person-to-Person Payments and Bill Pay: Free
- $9.00 Courtesy overdraft service for returned checks
- $0.00 Drawing from another account to cover your non-sufficient funds
- $9.00 Non-sufficient funds when you write a check
- $25.00 Stop payment
- $0.00 Snapshot statement (no checks)
- $5.00 Copy your statement
- $0.00 Domestic incoming wire transfers
- $40.00 Domestic outgoing transfers
- $5.00 Checkbooks
- $20.00 Cashier’s check online with overnight shipping
- $10.00 Cashier’s check in branch
- $5.00 Document copies
- $0.00 Account research
- $0.00 Domestic collections
- $0.00 Bank-branded ATMs charges
- $0.00 Allpoint ATMs
- $. Other Bank ATMs
Capital One says they will not charge you a fee for using other bank’s ATMs, but that doesn’t mean you won’t be charged. Capital One will not reimburse you for the ATM fees you pay.
Despite the fact I had to dig up these fees and charges from a well-hidden PDF, and even though Capital One doesn’t have transparent fees, it does have fewer fees than many other banks.
Whom Should Take Note Of This Capital One Review?
If you are looking to borrow money in the future, or you wish to build your credit rating, then you should try Capital One. Much of their business is tied to lending money, and they seem to enjoy giving lending deals to their banking customers. In addition, your credit building efforts with Capital One will be well documented. It is the sort of company you go to if you want to start doing things right where people are going to notice.
[+] Ask questions about loans, credit cards or mortgages and the customer support staff are helpful and professional.
[+] Capital One 360 makes online payments and transfers very easy and very smooth.
[+] By only charging an APR on what people overdraw, many see Capital One 360 as the bank to go to during tougher or leaner times.
[+] Their credit cards are very popular. They do not have a great APR rate, but they are easy to obtain, and their credit card GUI screen is easy to understand.
[+] Some people say that Capital One is the company to go to if you want to build your credit rating, and it seems to be true.
[-] Many negative user reviews include some sort of technical issue, and many times they are directed at the Capital One website because they have incompetent web-tech staff.
[-] The company seems to hold checks sometimes, and it infuriates people who need their money sooner rather than later.
[-] Getting help online is very difficult. They always prefer that you call, and there are some people who cannot or would rather not make contact online.
[-] If you are reporting fraudulent transactions or things of that nature, then the customer support are not trained on it. They soon become very unhelpful and frustrating.
[-] If you lodge a complaint about a merchant/vendor, they do not use two-factor authorization and will take the side of the vendor/merchant and won’t refund your money.
I like Capital One. I have used them personally in the past, and my experiences using them for this review were pleasant. The only thing that grinds my gears is how well they do on most things, and how slippery they are with other things. For example, I found a review that says they slip fees in without you knowing, and I believe it because there are fees hidden in the reams of paperwork they give you when you sign up for an account. They are not the fees they show people who don’t have an account. If you don’t have an account, they hide their fees away in the darkest corners of the web. Even when you find their fees, they are written slippery, such as how “Capital One” will not charge you for using other bank’s ATMs, where it should say, “Use other ATMs and you will have to pay.”
Need a Bank Account but have ChexSystems problems or Bad Credit?
Try opening a BBVA Compass Free Checking Account! BBVA is one of the more forgiving banks and may give you a full-fledged REGULAR bank account when you apply online. even with bad banking and credit history.
Another ever-present fact is that if their customer support staff are not trained to deal with an issue, then they will try to encourage you to close your accounts just so they do not have to deal with you. Once again, Capital One offers great lending services and great banking services, and I personally think they are good–just remember that they are just not without their faults.
How can i Sign Up Capital One 360 Account Online?
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Question: Sign up Capital One 360 account Online
Answer: Capital One 360 is an FDIC insured national bank that offers online banking on your terms with no fees and no minimums. . Open Account; Sign In; Sign In; Open .
Answer: Sign up for online access. . Capital One 360 Sign in to your online banking account at . Access Capital One Mortgage accounts online: ENROLL SIGN IN: Capital One .
Answer: Learn how Capital One 360 makes saving your money simple with the 360 Savings account Opens a new window. You can do your banking online or over phone, with a real .
Answer: Sign up for online access. Privacy Security Fraud Prevention. User ID. . Select an account type. Capital One 360 Mortgage / Home Equity Capital One Mortgage .
Answer: MANAGE ACCOUNTS. Account Summary (Sign In) View/Edit My Info (Sign In . Products and services offered by Capital One 360, a division of Capital One, N.A .
Answer: Open Account Sign In Search Submit. Open an Account. CHECKING. 360 Checking SM. . Banking services are provided by Capital One 360, a division of Capital One, .
Answer: Capital One’s online checking account, 360 Checking (formally ING Direct’s Electric Orange SM), is offering up a cool bonus to people who sign up for new accounts .
Answer: Home › Bank Bonuses › Sign Up for a Capital One 360 Sharebuilder Investment Account and Get $100 for Free!
Answer: Capital One 360 is here, replacing ING Direct. Here’s a review of the savings and checking accounts with Capital One 360.
Answer: Open a Capital One 360 Checking for a $50 bonus with a chance to make $1,000 in . Don’t wait much longer and sign up for Capital One 360 Checking Account today!
Answer: Sign Up for Capital One’s 360 Checking Account and They’ll Give You $125! . I opened a Capital One 360 checking account a couple of years ago and Melisha’s .
Answer: Capital One 360, formerly ING Direct, offers a wide array of online savings and checking accounts for customers of all ages.
10 Happy Years with Capital One 360 Checking [My Review]
I'm going to give you my Capital One 360 Checking review.
Not long after I opened my Capital One 360 Savings account I felt the need to have quicker, easier access to my savings. One of the best ways to achieve that is to add a Capital One 360 Checking account to the mix. I'm glad I did.
Opening a Capital One 360 (formerly ING Direct) Checking account was one of the best moves I've made in managing my money. It's one of the best online checking accounts available today, if not the best. I've been with them for 10 years now!
Let's start with the basic benefits:
For the longest time, the biggest hurdle with online checking accounts was their inability to easily accept physical check deposits. No branches = no drive thru deposits. With CheckMate, you can now simply take a photo of your signed checks and deposit the funds right into your Capital One 360 Checking account. The app and new deposit feature (which can be used even from a simple scanner) are free and can be used for individual check amounts of $3000 and less. The first $200 of your deposit will become available the next business day. However, your total deposit might take five business days to complete.
I tried the service out and found it easy enough. I deposited an $185 dollar check (by signing the check and snapping a picture of both side of the check) on the 27th and was told it would be available on the 2nd. I then received an email telling me that my deposit was received but NOT to void it yet.
Yes, there are multiple free ways to “pay ya bills” with this account. The bill pay setup is really basic and the check features are straight-forward. Did I mention it's all free? Some banks don't offer all of this for free. If you're paying for these services you're wasting money. See a full rundown of these methods below.
You will be able to move money from your Capital One 360 Savings Account to your 360 Checking account instantly. And, because you have a MasterCard® Debit Card associated with this account, you'll be able to access money from your checking or savings account by ATM or at the register (i.e. cash back).
The network of free ATMs is great. Unfortunately, there aren't that many drive-up ATMs in the network. It's mostly ATMs at convenience stores or other retail locations. Over the years we haven't found this to be a huge hassle. We typically just take some cash out when we're shopping with the card. The good thing is that when you find an ATM there are no fees associated with the transaction.
Earn Interest on Your Checking Balance
Like their savings account, Capital One 360's Checking account is going to pay you more than your average bank just to keep your money there.
Last but not least, the accounts are all insured by the FDIC up to $250,000. No worries. If you have a savings account, this includes that amount as well. So, you're covered under the same umbrella. Have a joint account holder? The coverage is doubled.
How to Open a Capital One 360 Checking Account
Now that you're ready to make the move, here are the steps to opening up your new Capital One 360 Checking Account:
- Login to your Capital One 360 Savings Account (if you don't have one simply visit CaptialOne360.com).
- Locate the link to “Open an Account” or the “360 Checking” tab.
- Complete the 360 Checking account opening process, including, linking it to your savings account, requesting your MasterCard® Debit Card, and depositing some money from your savings account. The process is fairly straight-forward.
- Once you have your account open, you'll want to establish either a direct deposit using a portion of your paycheck (talk to your HR dept.) or automatic transfer from your Capital One 360 savings account (very easy setup you can do online).
How to Pay Your Bills Using 360 Checking
Okay, now that you've got your account opened, made some transfers, and used the MasterCard® Debit Card to make some purchases or get money without fee from an ATM, you're ready to take the account to the next level by paying your bills online.
There are several different methods you can use to pay your bills with 360 Checking. So there's bound to be one that works for you:
1. Free Bill Pay – Bill pay is great for paying your monthly bills. Simply add all of your bill companies to your list of payees and initiate payments to these payees for the amount and date you designate. If your monthly bill is a fixed amount (mortgage, student loan debt, etc…) then you can select the payments to recur automatically each month. Before I started using cash back credit cards for everything, I used this method on about six or seven of our accounts. Each recurring payment comes with an email notification so that you can ensure you have enough funds prior to the payment going out.
2. Auto Withdrawal – For the remainder of my bill companies (two or three) I use auto-withdrawal. This is simply providing the bill company your banking information (routing and account number) so that they can pull what you owe them from your bank account. Traditionally, you would locate this information on one of your checks. Since you don't automatically get checks with this account, to find your routing and account number simply visit the “account maintenance” link from the 360 Checking details page. On the account maintenance page, look for the “voided check” link. There you'll find your routing and account numbers, which can be provided to your bill company to set up auto-withdrawal.
3. Paper Checks Mailed and Now Paper Checkbooks for $5 – With the 360 Checking account you can have a paper check mailed to any address. You can even have the check mailed to yourself to be signed over to someone else. I only use this method if I owe a friend or family member some money. Now they are offering paper checkbooks too. For $5, you can have a checkbook mailed to you. This is another way Capital One 360 is becoming a full-featured checking account.
4. P2P Payments – Although this is a method that I've never used, it looks pretty easy. Basically, you send money to someone else's bank account. It can be another Capital One 360 account, or a completely different bank account. All you'll need is that person's routing number, bank account number, and email address. This might be a good situation for a small business owner looking to pay their employees straight from a checking account. The recurring payment would justify requesting the banking info.
All in all, Capital One 360 Savings is a solid account for anyone looking for an online bank to help them pay bills, send money to friends, deposit physical checks, access their cash quickly and easily, and avoid any kind of fee, all while earning a bit of interest.
Time for you to give your two cents. Do you use Capital One 360 for your checking? Use a better bank? I'd love to hear your thoughts on my review and their service. Leave your comments below.
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Philip Taylor, aka "PT", is a CPA, financial writer, podcaster, FinCon Founder, husband, and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or Google+. Listen to the new podcast, Masters of Money!
The check deposit app no longer works for me–ever. I’m switching to another bank I’ve been so frustrated!
The five-business-day hold is too much for me. ING, which Capital One took over, never held checks for that long. My employer still issues paper checks and I can’t see any reason for Capital One to use my money for a week before they let me have it. I’m taking my next paycheck to a brick and mortar bank and switching everything over.
If I have cash, Can I deposit into the account at the branch?
@Mike D You’re probably right, Mike. My history with this account gives me my bias. Here’s my review of Ally Savings: https://ptmoney.com/ally-bank-review-high-interest-online-savings-account-and-more/
Curtman40 Both Capital One and ING Direct have been around for more than 5 years so I’m not sure what you’re talking about.
I still think it is too early to participate in something like this truth be told they only been a “true bank ” now for maybe a little more than a year, so they still have alot of creditability to build up I will give them 5 years to see where they are before I partcipate in something like that.
I still think Ally bank is the better deal with Free ATM’s at any atm in the nation and no charge for checks of any type. And Ally has all the other features you mentioned as well.
Capital One 360 Online Banking Login
Capital One 360 is the online banking arm of Capital One Corporation, a listed and publicly traded company in the NYSE. The online banking subsidiary was launched in 2012 and currently offers both lending and depository services as well as brokerage services. Capital One 360 has grown to be one of the largest web-based online banking platforms serving customers across many states with unwavering passion and dedication.
Capital One 360 provides convenient online banking services to its customers. If you’re not sure of how to log into your account or how to change your password, the guide below will show you how.
As a Capital One Bank client, you can easily and conveniently log into your virtual account anytime. All you need is access to a PC and good internet connection. To log into your account, simply follow the steps below:
Step 1- Go to www.capitalone360.com in a new window by click in the link.
Step 2- Click on the Sign In link in the top right section of the home page
Step 2- Enter your username in the field provided
Step 3- Next, enter your password then click continue
If the login credentials are correct, you will be directed to your online account.
Sometimes, customers forget their passwords especially if they stay for long periods without logging into their online accounts. To change the password, simply follow the steps below:
Step 1- Click on the sign in link as shown above
Step 2- Click on the forgotten password link just below the login field
Step 3- Enter the last four digits of your SSN, zip code, and date of birth as shown
Make sure that you enter the correct details in the field boxes so that you can be able to retrieve or change your password.
Capital One 360 allows customers to enroll for online accounts. You can sign up as follows:
Step 1- Click on the Sign In link on the top right section of the page
You will be directed to the sign up page
Step 2- Enter the last 4 digits of your SSN followed by Zip code, date of birth, and phone number then click continue
Step 3- Enter your verification details
Step 4- Create your username and password
Step 5- Select and answer security questions
Once you enter the required details properly and submit your application, you will receive a confirmation message in the email you provided. Your account will be setup within 1 business day.
Manage Capital One 360 Online Account
Enrolling for a Capital one 360 account gives you virtual control over several aspects of your account. As a customer, you can do the following things from your online account.
- Make one-time payment or schedule recurring payments
- Check account balance and due bill payments
- View and print monthly statements
- Transfer funds from your account to another account
- Retrieve history of financial transactions
- Setup email or text alerts of account activity
- Setup reminders of low account balance
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