Open Savings Account3.60% APY · $0 fees · $0 minimum · FDIC insured up to $250K
Open Checking Account$0 fees · 70,000+ fee-free ATMs · No overdraft fees · Early paycheck
360 Performance Savings at 3.60% APY, $0-fee 360 Checking, 70,000+ ATMs, plus 300+ branches and Capital One Cafés. Here's our complete, independent breakdown.
FDIC-insured · No minimums · Takes ~5 minutes to open.
See this month's top-rated banks across savings, checking, business and home equity — updated live.
Independently ranked, FDIC-insured.
3.60%
360 Savings APY
$0
To open
$0
Monthly fees
$250K
FDIC coverage
Capital One's flagship online savings — no minimums, no monthly fees, and a competitive variable APY.
High-yield online savings
3.60% APY · $0 to open · $0 monthly fees
Open Savings AccountFee-free everyday checking
0.10% APY · $0 fees · 70,000+ fee-free ATMs
Open Checking AccountFounded in 1994 and headquartered in McLean, Virginia, Capital One, N.A. is the 9th-largest U.S. bank, serving more than 100 million customers across checking, savings, credit cards, auto loans, and business banking.
The "360" brand is Capital One's all-digital deposit lineup — fully online, $0 fees, with the rare benefit of in-person service at 300+ branches and Capital One Cafés in major U.S. cities.
Founded
1994
Customers
100M+
HQ
McLean, VA
Charter
National Bank
Bank-grade security
256-bit encryption + biometric login
Award-winning app
4.9★ on iOS · 9M+ reviews
300+ branches & Cafés
Rare for a top high-yield bank
FDIC insured
Up to $250K per depositor
Takes ~5 minutes. Standard ID verification, no hard credit pull for deposit accounts.
Link an external bank or mail a check. Any amount — there's no minimum.
Get paid up to 2 days early and unlock fee-free ATM access nationwide.
Interest compounds monthly. Open sub-savings buckets for goals like 'Vacation' or 'Emergency'.
Open 360 Savings or 360 Checking online in minutes. No fees, no minimums, FDIC insured.
Higher APY, bigger welcome bonuses, and zero monthly fees — our editor-picked alternatives across the two accounts that matter most.
Capital One FAQ
Yes. Capital One, N.A. is a nationally chartered, FDIC-insured bank (Member FDIC), with deposits insured up to $250,000 per depositor, per ownership category. It's one of the ten largest banks in the United States.
Capital One's 360 Performance Savings currently pays 3.60% APY on all balances, with no minimums and no monthly fees. Rates are variable and may change at any time — check capitalone.com for the latest.
No. Several online-only banks pay closer to 4.00% APY. Capital One's edge is the combination of a competitive (if not top) rate with a polished mobile app, in-person branches, and a great Café network.
No monthly maintenance fees, no minimum balance fees, and no fees at Capital One or Allpoint ATMs (70,000+ nationwide). Standard fees apply for out-of-network ATMs, international transactions, and overdrafts if you opt in.
Capital One periodically runs limited-time bonuses on 360 Checking (often $250–$400 with qualifying direct deposits). The standard 360 Savings account doesn't currently have a public bonus — competitors like Barclays ($200) and SoFi ($50–$400) do.
Open the new account (5 minutes), link Capital One as an external account, transfer the balance via ACH (1–3 business days), redirect direct deposit and any auto-pay, then close Capital One once everything has settled.
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