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Overview / Commentary
800-289-1992
1680 Capital One Drive
Mclean, VA 22102

Capital One 360 is an online banking subsidiary of the Capital One Financial Corporation, a financial holding company publicly traded on the New York Stock Exchange (Symbol: COF). The web-only bank officially took over ING Direct in 2012 and offers an array of depository banking and lending products, in addition to its brokerage platform. The Capital One 360 branding was first introduced at the end of 2012.

In its depository banking repertoire, the direct bank has personal checking, savings, and Certificate of Deposit (CD) accounts, as well as business savings and CD accounts. On the personal side, Capital One 360 offers a fee free checking account that is part of an extensive ATM network and comes with a free MasterCard debit card. The teen checking account is basically the same account, but adds a joint owner. Both accounts are attractive because they earn interest and make the switch from brick and mortar bank checking to Internet checking very smooth with mobile deposits and widely accessible ATMs. The online savings account offers one of the top interest rates in the country and has no fees and an automatic savings plan option to encourage the process. CDs are offered in term lengths ranging from 6 to 60 months and come with fixed interest rates.

Capital One’s Sharebuilder provides a trading platform where customers can perform cheap stock trades or look up reports on various investments from independent analysts. On the business side, a savings account is available that offers up to 3 authorized signers who can function as account owners.

Capital One 360 online banking provides a secure and sophisticated platform for account owners to manage their deposit, loan, and business accounts with Capital One. The bank’s site is optimized for both desktop and mobile use, and enables users to complete account management items like money transfers, balance reviews, bill pay, ATM search, and transaction history viewing. Mobile apps are attractive and make it easy to bank while on the run from a smartphone or tablet device.

Capital One 360 is the product of Capital One Financial Corporation’s 2012 acquisition of ING Direct, which was created in 2000. Capital One’s business model focused on consumer lending before 2005, until it decided to branch out into the retail banking business. Its acquisition of ING Direct considerably helped those efforts, making it one of the biggest online banks in the country. Capital One 360 is currently headquartered in McLean, Virginia, and serves its customers exclusively through its online banking platform.

Related Posts

Targeted $400 Bonus At Capital One 360 - 5/17/2017

This is an easy $400 bonus IF you qualify: These cash bonuses are only available to you if you received our related package offer in the mail and if you do not have an existing 360 Money Market, 360 Checking or 360 Savings account. Open your first Capital One 360 Checking account or 360 Money Market account online and deposit at least $1,000 per account opened no later than June 30, 2017, 11:59 p.m. ET. https://www.capitalone.com/together360/

Definitely Not A Deal - 5/4/2017

Capital One has big rate drop on CD's. I have been watching for increases. I couldn’t believe this decline it a rising rate environment. I don't know what all the rates were, but 18 month is 1.10% down from 1.45%. 12 month is only .90%. I think it was 1.30%. Very sad. I wonder what issues they are having.

Capital One Offers $200 Bonus For New 360 Money Market Account - 4/8/2017

Now through June 30, 2017, Capital One is offering a $200 bonus when opening a new 360 Money Market account and funding it with at least $10k.

View all posts from:

11/28/14 - Capital One 360's 2014 Black Friday Sale
10/24/14 - Capital One Bank Raises Rate On Essential Savings To Competitive Level
7/25/14 - Capital One 360 Or Ally Bank???
7/25/14 - More Merging of Capital One 360 and Capital One Bank
7/1/14 - Capital One 360’s Financial Independence Days Sale
6/25/14 - Preview of Capital One 360’s Financial Independence Days Sale
4/24/14 - Capital One Business Checking Promotion with a $250 Bonus - Branch Only
2/6/14 - $50 Bonus With Capital One 360 Savings Account
11/29/13 - Capital One 360's 2013 Black Friday Specials: $125 Checking Bonus
11/25/13 - Capital One 360’s 2013 Black Friday Sale Preview
11/22/13 - Capitalone 360 Is Going To Have Banking Bonuses Nov 29 - Dec 2, 2013
11/6/13 - Capital One Offers Savings Account Promotion in Its Market Areas
7/26/13 - Capital One Business Checking Promotion with a $300 Bonus - Branch Only
7/1/13 - Capital One 360’s Financial Independence Days Sale Has Begun
7/1/13 - Capital One 360’s Financial Independence Days Sale Begins
6/27/13 - Free Book Of 50 Checks From Capital One 360
6/26/13 - Capital One 360’s Financial Independence Days Sale
5/29/13 - Capital One 360 Replacing Customer Debit Cards
4/19/13 - Capital One 360 Announces Changes Including Bigger Refer-a-Friend Bonus
3/25/13 - Capital One Branches Still Offering Checking Promo with a 1-Year Rate Guarantee in Some States
2/1/13 - ING DIRECT Is Now Capital One 360
8/27/12 - Capital One Bank's Checking Promo with a 12-Month Rate Guarantee
5/4/11 - Hot Capital One Checking Account Promotion in Austin Texas
11/20/09 - ING Direct's Black Friday CD and Electric Orange Checking Specials
7/21/09 - Update on ING Direct's Electric Orange $50 Promotion
2/5/09 - 4.00% 4-Year CD at Capital One Direct - Nationally Available
11/26/08 - 5.20% 60-Month CD at Capital One Direct Banking
4/24/08 - Update on ING Direct CDs
1/29/08 - Capital One's 4.00% 12-month Checking Account Deal in Central Texas Ends Thursday
1/25/08 - 5.25% 13-Month and 7-Month CD at Superior Savings of New England
11/24/07 - 5.25% 7-Month CD at Superior Savings of New England - Nationally Available
11/20/07 - ING Direct Acquires ShareBuilder
10/29/07 - ING Direct / VirtualBank Referral Bonuses
9/26/07 - $50 Bonus for ING Direct Orange Savings Account
7/12/07 - Is This How Banks Will Make Money from the Reward Checking Accounts?
5/6/07 - ING Direct Raises Checking Account Mid-Tier Rate to 5.25%
4/27/07 - 5.25% 9-Month CD at ING Direct
11/16/06 - 5.50% Money Market Account at Superior Savings of New England ($10K+)
8/15/06 - 5.25% Money Market Account at Superior Savings of New England ($25K+)
8/9/06 - CapOne/Costco Money Market Account Up to 5.14%
7/19/06 - Capital One High Yield Money Market Rises to 5.00%
6/30/06 - ING Direct's Savings Account Now 4.35% - Lagging Continues
6/28/06 - Capital One High Yield Money Market Rises to 4.75%
6/14/06 - CapOne/Costco Money Market Now 4.77% Plus New $50 Bonus
5/31/06 - ING Direct Savings Account Now 4.25% - History of Lagging?
5/10/06 - CapOne/Costco Money Market Account Now 4.72%
5/3/06 - Capital One High Yield Money Market Rises to 4.55%
4/29/06 - ING Direct's 5.25% 12-Month / 5.00% 9-Month CD
4/17/06 - ING Direct Sale is Over - Now What?
4/15/06 - ING Direct Raises All 12-Month and Longer CDs to 5%
4/5/06 - New ING Direct CD Rates - 4.75% 9-Month
3/31/06 - ING Direct Raises Non-Promo Savings Account APY to 4%
3/29/06 - ING No Longer Showing the 4.75% Promo - What's Next?
3/14/06 - Superior Savings' New 5% Money Market Account
3/2/06 - Capital One Savings/Money Market Accounts Now 4.25%
2/4/06 - ING Direct Increases Yields Slightly on CDs
1/23/06 - ING Direct Reduces Rates on Most CDs
1/19/06 - ING's Save Up Sale: 4.75% Savings Rate
1/2/06 - Special CapitalOne/Costco $50 Bonus
12/31/05 - ING Direct Savings Now 3.80%
12/7/05 - CapitalOne Savings Now at 4.00%
10/25/05 - Slight Rise in ING Direct's Long Term CDs
10/23/05 - New 4.5% Money Market Account
10/13/05 - ING Direct's Answer To EmigrantDirect?
10/12/05 - Major Rate Increase at Another Online Bank
9/2/05 - ING Direct Again Lowers Long Term CD Rates

Reviews (254)

LOVE CAPITAL ONE

Posted by: Des | 13 hours ago

I am totally satisfied with my capital one savings and checking accounts. I also have a investment account with them. Coming from traditional banks like Chase, Bank of America, Wells Fargo ect.... It was refreshing to actually get paid interest above .01% witch should be an insult by the way and not be charged monthly fees just for the privilege of banking with them. The customer service at capital one has been the best I have ever experienced. Several time when bogus charges were attempted to be withdrawn from my checking account the resolved the problems immediately. Also I love their mobile app and website very user friendly and easy to use. Other banks should be taking notes on how to treat a customer. Thumbs up.

Capital One 360 is Amazing!

I signed up for an ING Savings Account more than a decade ago. I was a little worried when Capital One took over, I have heard negative things about the company regarding their credit card practices. However, my experience since they took over from ING has been nothing but positive. There are no fees associated with my accounts, I have a debit card connected to my checking and several savings accounts. There are no fees to make transfers between accounts or to one of my linked accounts at other banking institutions.
The additional savings accounts are no charge and this allows me to keep money ear marked for different things in different accounts so it is easy to visualize what money I have saved for what things. For all of these reasons, I can say that I would highly recommend a capital one 360 account to anyone interested in online banking.

Capital One's 360 saving account is easy to use.

Posted by: pattifrye | May 3, 2017

I have had a Capital One 360 saving account for over 15 years I started it back when it was ING. It's very easy to transfer funds from my normal checking into the Capital One 360 saving account using the internet. I almost forget I even have it until I get my statement. I can also use the model app to make a deposit. The interest rate use to be very high but that has come down over the last couple of years due to the economy, but it is still a very good entity to deal with. Every week they take a set amount from my checking to add to my savings I don't even notice it. I have never had the need to speak to then via the phone or email, the website has everything I have needed to manage my finances.

A Little Mad

Posted by: Mrsdls | Apr 29, 2017

I thought it'd be cool to open up an account since i have credit cards with them, but I'm disappointed that i get paid on Saturdays but can't get my direct deposit till Monday. I researched it first and didnt think to call to make sure. I'll stick to my traditional bank for that. I always get my deposit on Saturday with them.

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Health

Health Grade Components

Overall
FDIC Certificate #4297
Year Established1933
Employees29466
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD5.52%
Annual Interest Income$2.83B
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$282.1B$271.2B
LoansQ1 2017vs Q1 2016$155.8B$150.8B
DepositsQ1 2017vs Q1 2016$224.5B$208.8B
Equity CapitalQ1 2017vs Q1 2016$37.18B$36.00B
Loan Loss AllowanceQ1 2017vs Q1 2016$2.43B$2.03B
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.14B$2.23B
Real Estate OwnedQ1 2017vs Q1 2016$56.0MM$110.7MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Targeted $400 Bonus At Capital One 360

stevel   |  
This is an easy $400 bonus IF you qualify:

These cash bonuses are only available to you if you received our related package offer in the mail and if you do not have an existing 360 Money Market, 360 Checking or 360 Savings account.

Open your first Capital One 360 Checking account or 360 Money Market account online and deposit at least $1,000 per account opened no later than June 30, 2017, 11:59 p.m. ET.

https://www.capitalone.com/together360/

Definitely Not A Deal

Maecl   |  
Capital One has big rate drop on CD's. I have been watching for increases. I couldn’t believe this decline it a rising rate environment. I don't know what all the rates were, but 18 month is 1.10% down from 1.45%.
12 month is only .90%. I think it was 1.30%.
Very sad. I wonder what issues they are having.

Capital One Rate Change

denverace   |  
Looks like they raised their 60 mth rate to 2.3% from 2.00% yesterday.

Rates
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Capital One; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Capital One Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--360 Savings Account
0.75%--Kids Savings Account
0.50%--Essential Savings Account

Capital One Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$10k*-360 Money Market
OTHER TIERS: 0.60% Up to $10k

Capital One Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$100k*-360 Checking
OTHER TIERS: 0.20% Up to $50k | 0.75% $50k - $100k
0.40%--High Yield Checking Account - First 12 Months Promo
0.25%--MONEY
0.20%--High Yield Checking Account

Capital One CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%--60 Month 360 CD
1.80%--48 Month 360 CD
1.60%--30 Month 360 CD
1.60%--36 Month 360 CD
1.45%--24 Month 360 CD
1.10%--18 Month 360 CD
0.90%--12 Month 360 CD
0.60%--9 Month 360 CD
0.40%--6 Month 360 CD
Locations

Capital One is an Internet only bank and does not have branch locations. Its headquarters is located at 1680 Capital One Drive - Mclean, VA 22102