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A 360 Savings account from Capital One is an online savings account that allows you to earn interest while avoiding costly bank fees. Minimum balance? Not here.
Capital One’s 360 Performance Savings account has no monthly fees. You read that right. This is an online savings account with no fees and no minimum to open or keep the account. That means every dollar you earn is yours to save.
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- Key Takeaways
- Capital One Overview
- 360 Checking
- 360 Performance Savings
- 360 CDs
- Money Teen Checking
- Kids Savings
- What We Like About Capital One
- What Capital One Could Improve
- Who Is Capital One Best for?
Capital One is the ninth-largest bank in the country, operating mostly online but with a few scattered in-person locations.In 2023, J.D. Power rated Capital One as the best nationwide bank with the second-best mobile banking app.Capital One offers a suite of bank accounts, including checking, high-yield savings, and CDs.Capital One was the first major bank to nix all overdraft fees, and it doesn’t charge monthly maintenance fees for any of its accounts.For such a new bank, Capital One has grown rapidly. It launched in 1994, and the original founder (Richard Fairbank) still serves as the Chairman and CEO of the company, which is based out of McLean, Virginia. Today, it’s the ninth-largest bank in the country, with around 280 in-person branches, mostly in the Northeastern and Southern U.S. Capital ...
As long as you don’t mind banking online, Capital One 360 offers just about the best checking account you can find. Most large banks charge you lots of fees with checking accounts and offer zero interest, but Capital One flips that around — it charges no monthly maintenance fees and nooverdraft fees, yet you’ll earn interest (albeit at a small rate...
The Capital One 360 Performance Savings account is what most people are looking for in an online savings account — simple, yet rewarding. The account itself offers a competitive interest rate compared to most of its other competitors in the online space, which is far more than the savings rates you’ll earn at most brick-and-mortar banks. It’s also ...
You’ll find similarly-high rates for Capital One’s 360 certificates of deposit (CDs) with term lengths ranging from six months to five years. Unlike most banks, which require a minimum balance of several hundred (or thousand) dollars, Capital One’s CDs are accessible to anyone since there are no minimum deposit requirements. Once you open a CD, tho...
Although this account is for “teens,” any child as young as eight is eligible to open an account and start learning how to manage a checking account, complete with a debit card. Note that this account doesn’t allow them to write checks, although that’s quickly becoming a thing of the past anyway. This account works as a joint account with an adult....
Kids of any age are eligible for the Kids Savings account if they have an adult who can serve as a joint account owner. Just like with the teen checking account, though, only parents or guardians can serve as joint owners until they’re past age 12. Adult joint owners can also log into the account with separate logins to control and view their child...
No monthly fees: Most large banks charge monthly fees with options to have those fees waived if you have direct deposit or maintain a certain account balance. But with Capital One, you won’t have t...No overdraft fees: Another stress-free perk that Capital One pioneered is waiving all overdraft fees. When you sign up, you can opt to have overdrafts declined, set up free transfers from your savi...High interest rates: Online banks are known to offer higher interest rates, too, and Capital One’s high-yield savings accountis no exception.High customer satisfaction ratings: Capital One gets consistently high ratings for its mobile app and for overall customer satisfaction on national J.D. Power surveys. For example, it’s been ranked...Better rates for kids' savings accounts.Better in-person support: Sometimes you just really need to deal with things in person, such as getting forms notarized or depositing cash. It’s hard to do that with any online bank, and that’s the...If you prefer handling all of your banking from the convenience of the internet and you’re looking for a good all-around banking solution with one financial institution, it’s hard to go wrong with Capital One. Its high rates and low fees combine with a well-designed mobile and browser-based account to make a truly exceptional online banking experie...
16. Juli 2024 · Is Capital One 360 right for you? Capital One 360 is best for users comfortable with online banking, drawn to fee-free accounts, and interested in high-yield savings and competitive CD...
2. Jan. 2024 · Capital One 360 is a good bank if you want to avoid fees and earn a high interest rate with your savings account. We also like that it has an extensive network of fee-free ATMs, separate bank accounts for kids and teens, and doesn't charge foreign transaction fees.
