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Capital One is ideal for consumers looking for competitive rates and no monthly fees along with the experience of a full-service bank. It offers access to a wide network of no-fee ATMs and branch locations in select states. Savings
5.0 CDs
5.0 Checking
4.9 OverallCapital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.
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Savings accountsCapital One’s 360 Performance Savings account offers a competitive yield on all balances and doesn’t have a minimum balance requirement, making it suitable for all savers. Users can set savings goals and automatic savings plans (with funds transferred from a Capital One 360 checking account) for additional budgeting ease. Effective September 2019, Capital One no longer offers money market accounts for new customers.
CD ratesCapital One offers nine terms of CDs that range from six months to five years. Rates for most terms are competitive for a big bank, and no minimum deposit is required. Early withdrawal penalties vary based on term length. For CDs of one year or less, the early withdrawal penalty is three months of interest, while the penalty for CDs with terms longer than one year is six months of interest.
Checking accountsOTHER CHECKING OFFERS YOU MAY LIKE The Capital One 360 Checking account is a competitive interest-bearing account. The account is free, permits mobile deposits and online bill payments, and also offers a free first checkbook with 50 checks. Capital One stopped charging nonsufficient fund (NSF) fees and capped overdrafts at one a day in August 2021. In December 2021 the bank announced that it was also eliminating overdraft fees, effective early 2022. Capital One stopped offering an overdraft line for new account holders as of May 15, 2020. Capital One 360 Checking users have access to more than 70,000 fee-free ATMs, including ATMs in the Allpoint and MoneyPass networks. In addition, mobile app users can utilize Capital One’s Add Cash in Store feature to deposit up to $999 a day up to five times a month at CVS stores through a cashier. Also, with early paycheck, direct deposit customers may be able to receive paychecks or other funds up to two days early.
Bank experienceCapital One has fewer branches than some of its competitors, but it does offer cutting-edge digital bank features. Capital One was the first bank in the U.S. to launch a skill for Amazon’s Alexa so that customers can voice commands to search for information, such as bank account balances. The bank’s web interface and mobile app also earn high marks in Android and iOS app stores, and mobile customers can send and receive money using Zelle through the Capital One app. Capital One has around 300 branch locations in select states for in-person banking, and it operates more than 50 Capital One Cafes, where customers can open accounts, deposit cash and checks, and socialize. The cafes also offer food and drinks, available for purchase by anyone. Using your Capital One credit card or debit card gets you half off handcrafted beverages. Account holders can attend various events and take advantage of free financial coaching sessions. Customers also can access more than 70,000 ATMs through Capital One's owned-and-operated machines, and the Allpoint and MoneyPass networks. Mobile app users can take advantage of the Add Cash in Store feature to deposit cash at CVS stores through a cashier. Early paycheck, which allows direct-deposit customers to access their incoming funds up to two days early, can be a useful feature for those on tight budgets or who are paid once a month. About Capital OneThe banking unit of Capital One Financial Corp. offers checking, savings and certificates of deposit. Richard Fairbank and Nigel Morris started building Capital One (then as a unit of Signet Bank) in 1988. In 1994, Capital One spun off under its name, offering credit cards. In 2012, Capital One acquired ING Direct and rebranded the lender as Capital One 360. Capital One is ideal for consumers looking for a full-service bank with a wide network of no-fee ATMs and access to physical branches. Capital One operates around 300 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.  Matthew Goldberg TwitterCreated with Sketch.@MATTATBANKRATE Matthew Goldberg is a consumer banking reporter at Bankrate. He uses his banking and financial services experience to help readers with personal finance. Nearly his entire career has either been as a reporter or working in financial services, in banking and insurance. He’s been in financial services for more than a decade. His banking career includes being a banker in New York City. His reporting career includes working as a staff reporter at two daily newspapers. He earned his first newspaper bylines in 1998. His writing has been honored by both the Illinois Associated Press Editors Association and the Illinois Press Association. His writing has also been featured online on MSN, the Miami Herald, the Houston Chronicle, the Omaha World-Herald, The Kansas City Star, the Arizona Daily Star, and appeared in Sports Illustrated On Campus, The Atlanta Journal-Constitution, The Buffalo News and other publications. Matthew’s radio experience includes being a weekly panelist on the SportsWriter’s show on WGEM AM ESPN 1440 in Quincy, Illinois. He was also an occasional co-host and call-in guest on WGEM SportsCenter. He’s also been a guest on other stations throughout the country. Matthew is currently a member of the Board of Governors at the Society for Advancing Business Editing and Writing (SABEW), which is the world's largest and oldest organization of business and financial journalists. He chairs the organization's training committee and is on the finance committee. He has previously served on conference planning committees and has been a Best in Business contest judge for the organization. Matthew earned a bachelor’s degree at Illinois State University and an MBA at William Paterson University. Media mentions CNBC CNBC Acorns + CNBC WGN Radio 720 in Chicago 1080 KRLD Dallas-Fort Worth Does Capital One have branch locations?Capital One is the tenth-largest commercial bank in the U.S. With hundreds of branches and ATMs, it's convenient to find Capital One locations with the services you need nearby.
Where can I deposit a check into my Capital One 360 account?Customers may deposit paper checks via our Capital One ATM network.. ATMs in external vestibules in branch or Café locations will continue to be accessible 24/7 as usual, even if the location is closed.. You may also access our Capital One ATMs at select Target locations.. Where can I make a deposit to my Capital One account?Where can I make a cash deposit? You can make a cash deposit at any Capital One ATM, branch or Café. Capital One customers cannot deposit cash at MoneyPass® or Allpoint® ATMs.
What bank is Capital One affiliated with?On July 21, 1994, Richmond, Virginia-based Signet Financial Corp (now part of Wells Fargo) announced the corporate spin-off of its credit card division, OakStone Financial, naming Richard Fairbank as CEO. Signet renamed the subsidiary Capital One in October 1994, and the spin-off was completed in February 1995.
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