Last Updated:
Capital One 360 Review 2026
Quick Summary
Rating
4.6/5 ⭐
Savings APY
4.25%
Checking APY
0.10%
Monthly Fee
$0
Best for: Users wanting online banking with some branch access
What is Capital One 360?
Capital One 360 is a full-service online bank offering competitive rates and modern banking features.
✓ Pros
- No minimum balance or monthly fees
- Large ATM network
- Some physical branches available
- Good mobile app
- Multiple account types
✗ Cons
- Lower APY on checking
- Customer service can be slow
- Limited branch access
Account Details
| Savings APY | 4.25% |
| Checking APY | 0.10% |
| Min Deposit | $0 |
| Monthly Fee | $0 |
| ATM Access | None (70,000+ free ATMs) |
| Mobile App | Excellent |
| FDIC Insured | Yes |
Who Should Choose Capital One 360?
Best for: Users wanting online banking with some branch access
Ready to Join Capital One 360?
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