Capital One, a DepositAccounts.com advertiser, is a subsidiary of the Capital One Financial Corporation, a financial holding company publicly traded on the New York Stock Exchange (Symbol: COF). The bank officially took over ING Direct in 2012 and offers an array of depository banking.
Capital One offers personal, as well as business, savings and CD accounts. Also on the personal side, Capital One offers a fee-free checking account that is part of an extensive ATM network and comes with a free MasterCard debit card. They also offer a teen checking account, which is basically the same account, but adds a joint owner. Both accounts are attractive because they earn interest and can be accessed through their Café’s, mobile deposits and widely accessible ATMs. The 360 Money Market Account offers one of the top interest rates in the country and has no fees. CDs are offered in term lengths ranging from 6 to 60 months and come with fixed interest rates.
Capital One’s online banking provides a simple platform for account owners to manage their deposits with Capital One. They offer an award-winning mobile app which allows the user to make deposits, check balances, pay bills, search for ATMs and make transfers. The bank’s site is optimized for both desktop and mobile use, and offers the same features as the mobile app.
Capital One is currently headquartered in McLean, Virginia.
Capital One seems to have been a step ahead of most conventional banks with creativity and flexibility. I appreciate that.
I am in the process of transferring my funds to American Express Savings. I was EXTREMELY disappointed when I called to change beneficiaries (after not finding a link to do so on their website) to be told that Cap One 360 does not allow beneficiaries - I would have to make it a joint account! I can't believe this is even legal! I was very happy with the account until this happened so if you don't need to have a beneficiary then I would still recommend it.
An ACH pull initiated at Capital One takes seven days. I though the industry standard is next day.
My father had a 360 account and passed away in November. I have been trying since the first of 2019 to settle this and get the money so I can care for my mom that is in a dementia center. All required paper work has been sent and received by CapitalOne. I have called and emailed numerous times and can get absolutely no information on the status of the settlement. I even spoke to a manager of the 360 team and he could tell me nothing...except he was opening an escalation case after 4 months. I dont understand how no one at CapitalOne knows anything. I need this money for my mother and this is now ridiculous.
Overall | |
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FDIC Certificate # | 4297 |
Year Established | 1933 |
Employees | 30757 |
Primary Regulator | OCC |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.39% |
Return on Equity - YTD | 3.21% |
Annual Interest Income | $13.25B |
Assets and Liabilities | ||
---|---|---|
Assets | Q4 2020vs Q4 2019 | $363.5B$329B |
Loans | Q4 2020vs Q4 2019 | $159.3B$158.9B |
Deposits | Q4 2020vs Q4 2019 | $303.5B$256.8B |
Equity Capital | Q4 2020vs Q4 2019 | $42.23B$43.05B |
Loan Loss Allowance | Q4 2020vs Q4 2019 | $5.10B$2.27B |
Unbacked Noncurrent Loans | Q4 2020vs Q4 2019 | $1.29B$1.51B |
Real Estate Owned | Q4 2020vs Q4 2019 | $93.9MM$1.0MM |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.40% | - | - | 360 Performance Savings | |
0.30% | - | - | Kids Savings Account | |
0.20% | - | $5m | Business Advantage Savings - 1st Year Promo Rate (New Accounts Only) |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.10% | - | - | 360 Checking | |
0.10% | - | - | MONEY |