Capital One


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

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.

Related Posts

Cap One Perf Svgs Now 1.00% - 6/17/2020

Capital One 360 Performance Savings interest rate now is1.00% APY. It had been 1.15% for two weeks.

Personalized Email: $450 Bonus On $50K For Three Months ($150/$20K) - 6/3/2020

Anyone else get this? I earned a $500 bonus in December 2019 BTW. The current savings is an unimpressive 0.50% on top of the bonus. 1. Earn a $450 bonus when you deposit $50,000 or more, or earn $150 when you deposit $20,000–$49,999.99, of new money into your 360 Money Market account ending in **** by June 30, 2020. 2. Keep your deposit in your account until September 28, 2020. 3. Bring on the bonus—and use this extra cash for whatever you decide.

Capitalone Savings 360 Rate Drops To 1.15% APY - 6/2/2020

After a drop to 1.3 it has quickly fallen to 1.15%. Glad my bonus waiting period is up soon.

View all posts from:

12/7/17 - Capital One Savings Rate Increase
11/14/17 - Large 360 CD Rate Hikes at Capital One
10/25/17 - Capital One Bumps Up 360 Money Market
10/24/17 - Capital One Money Market Rate Hike
10/23/17 - Capital One Logon unusual request.
10/13/17 - Capital One’s 5-Year 360 CD Rate Raised
10/6/17 - Capital One Increases Top-Tier Rate Of 360 Checking To 1.00% APY
9/7/17 - Capital One Reduces CD Rates
8/25/17 - Capital One Increases 360 Money Market Rate
8/25/17 - Capital One Increases 360 Money Market Rate
7/25/17 - Big Rate Hike On Capital One 18-Month 360 CD
6/27/17 - Capital One Raises 360 Money Market Rate
6/27/17 - Capital One 360 Money Market Rate Increase
5/17/17 - Targeted $400 Bonus At Capital One 360
5/4/17 - Definitely Not A Deal
4/8/17 - Capital One Offers $200 Bonus For New 360 Money Market Account
3/14/17 - Big CD Rate Hikes at Capital One, Including 5-Year CD
3/14/17 - Capital One Rate Change
3/1/17 - Capital One Raises 1-Year 360 CD Rate to Competitive Level
2/17/17 - More Targeted $200 Bonuses At Capital One 360
1/12/17 - Targeted $200 Checking Bonus
1/7/17 - Rate Decrease For 12 Month CD
12/5/16 - Capital One 360 Offers $100 Money Market Bonus
12/2/16 - $100 Bonus For Capital One 360 Money Market Account With $10K Deposit
11/9/16 - Capital One 360 Hikes All CD Rates
11/8/16 - Big CD Rate Hikes At Capital One 360
11/6/16 - $100 Checking Bonus
6/9/16 - Capital One 360 Increases CD Rates For Terms Of 24 To 60 Months
3/18/16 - Capital One 360 Launches New Money Market Account
3/18/16 - 360 Money Market: Up To 1% APY
1/13/16 - Capital One 360 Makes 12-Month CD Competitive
1/13/16 - 12 Month CD 1.30%
12/4/15 - Capital One 360 Increases Rates On Four CDs
10/16/15 - Capital One Bank Has Essential Savings 6-Month Rate Guarantee
7/22/15 - Earn Up To A $500 Bonus At Capital One 360 - Extended To 9/30/2015
6/18/15 - Faster Access To Your Capital One 360 Deposits
6/1/15 - Earn Up to a $500 Bonus at Capital One 360
5/22/15 - Capital One 360 Launches Savings Bonus
5/22/15 - Up To $500 Bonus - Open New Savings Account With $5000+ Before Midnight 15 July 2015
5/18/15 - Capital One 360 Raises CD Rates For First Time In Over 2 Years
5/12/15 - Capital One 360 CD Rate Bumps. Quick Look.
2/9/15 - Capital One 360 Increases Top-Tier Rate of Its Checking Account
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 (435)

AWESOME Customer Service

Posted by: |

I have a Capital One 360 checking and savings account With Capital One Bank. I've had these accounts open now for a little over 2 years. I've never really had a problem with them at all. About a year ago, someone stole my debit card and racked up about $1300 on my checking account. I called Capital One as soon as I realized the missing card. They cancelled my card immediately, sent me a new one and immediately opened up a dispute for the fraudulent charges. I was thinking it was going to be a long time to get my money back, but they credited my account the very next day! They kept me updated throughout the whole dispute process. I'll never go back to a regular bank again!

Well Known Big Name But, Not THE Best

Solid online bank without the gotchas of many online. Easy online platform and reasonable customer service. However, in the great recession they sunk their rates faster than many other banks. Cap1 won't be top tier rate palyer unless they are collecting funds to build the asset base and then will drop rates FASTER but, still stay overallnear the average rate for a major online bank. You probably can get - if you want a major big bank, more from CIT (as example) or a slightly more interest from MARCUS or SYNCHRONY if you prefer the major players who also offer unlimited deposit/withdraw online accounts. Solid but, unassuming ...

No Beneficiaries Allowed!

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.

Something Seems Fishy Here...

Opened a 360 account and authorized a $50k transfer for the max bonus available in May 2020, but the transfer never happened. Every time I checked, the transfer hadn't happened and Cap One's web site indicated a newer, later estimated transfer date. Finally called them to see if there was a problem. Long waits, horrible jazz wait music (overdriven to the point of garbled distortion). They couldn't tell me what the problem was, but the 10 day period for funding a new account had passed and I no longer qualified for the bonus. There was no attempt by them to contact me about any transfer problem and I never heard anything from my bank about a problem (like possible fraud). The money was there waiting.

They were still willing to take my 50K (at the still decent rate, sans the bonus). I told them to stuff it and closed the unfunded account. If they can't handle a transfer or tell me what was wrong, I don't think I want them to handling any part of my distance banking... I suspect they are scamming some percentage of people by and need investigated.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #4297
Year Established1933
Employees30628
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.52%
Return on Equity - YTD-4.01%
Annual Interest Income$3.56B
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$339.2B$306.8B
LoansQ1 2020vs Q1 2019$161.8B$143.7B
DepositsQ1 2020vs Q1 2019$266.7B$248B
Equity CapitalQ1 2020vs Q1 2019$43.74B$40.70B
Loan Loss AllowanceQ1 2020vs Q1 2019$4.82B$2.20B
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$1.46B$1.04B
Real Estate OwnedQ1 2020vs Q1 2019$1.0MM$1.2MM
  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.

Cap One Perf Svgs Now 1.00%

  |  
Capital One 360 Performance Savings interest rate now is1.00% APY. It had been 1.15% for two weeks.

Personalized Email: $450 Bonus On $50K For Three Months ($150/$20K)

  |  
Anyone else get this? I earned a $500 bonus in December 2019 BTW. The current savings is an unimpressive 0.50% on top of the bonus.

1. Earn a $450 bonus when you deposit $50,000 or more, or earn $150 when you deposit $20,000–$49,999.99, of new money into your 360 Money Market account ending in **** by June 30, 2020.

2. Keep your deposit in your account until September 28, 2020.

3. Bring on the bonus—and use this extra cash for whatever you decide.

Capitalone Savings 360 Rate Drops To 1.15% APY

  |  
After a drop to 1.3 it has quickly fallen to 1.15%. Glad my bonus waiting period is up soon.

Capital One Upto $450 Bonus If 50K Of New Money Into Performance Savings (email targeted maybe)

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https://www.capitalone.com/build450/

"Here’s the scoop on how to earn your bonus:

Increase your current balance by depositing $20,000 or more of new money from an external bank (Balance Build Deposit) account into your 360 Performance Savings account mentioned by the last 4 digits of the account number in the communication you received (account must be opened prior to 3/15/2020) between 12:00 a.m. ET on April 27, 2020, and 11:59 p.m. ET on May 31, 2020.

• $150 bonus—the money you deposited from an external bank was between $20,000 and $49,999.99 (Lower Tier), and you maintained the Balance Build Deposit daily in the account until 11:59 p.m. ET, August 29, 2020.

• $450 bonus—the money you deposited from an external bank was $50,000 or more (Higher tier), and you maintained the Balance Build Deposit daily in the account until 11:59 p.m. ET, August 29, 2020.

If your Balance Build Deposit balance drops to the Lower Tier at any point between 12:00 a.m. ET on June 1, 2020, and 11:59 p.m. on August 29, 2020, you’ll earn the Lower Tier bonus. If your deposited balance drops below the Lower Tier, you will not qualify for a cash bonus. If you make additional deposits after May 31, 2020, to reach the Higher Tier, you’ll only be eligible for the Lower Tier bonus.

This offer cannot be combined with any other Capital One offers. The bonus is only valid for one account.

When will I get my bonus? Capital One will deposit the bonus into your 360 Performance Savings account mentioned by last the last 4 digits of the account number in the communication you received within 60 days following August 29, 2020. If your account is in default, closed, suspended, or otherwise not in good standing, you will not receive the bonus.

What you need to know about the 360 Performance Savings account:
A rate of 1.50% Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of 4/27/2020. Rates are subject to change at any time before or after account opening."

I wonder if mobile check deposit or depositing $$ through drive thru at branch works also?

Rates
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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
1.00%--360 Performance Savings
0.80%--IRA Savings
0.80%-$5mBusiness Advantage Savings - 1st Year Promo Rate
0.50%--Kids Savings Account

Capital One Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--360 Checking
0.10%--MONEY

Capital One CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--60 Month 360 CD
0.90%--48 Month 360 CD
0.80%--36 Month 360 CD
0.75%--24 Month 360 CD
0.75%--30 Month 360 CD
0.50%--12 Month 360 CD
0.50%--18 Month 360 CD
0.30%--9 Month 360 CD
0.25%--6 Month 360 CD

Capital One IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--60 Month 360 IRA
0.90%--48 Month 360 IRA
0.80%--36 Month 360 IRA
0.75%--24 Month 360 IRA
0.75%--30 Month 360 IRA
0.50%--12 Month 360 IRA
0.50%--18 Month 360 IRA
0.30%--9 Month 360 IRA
0.25%--6 Month 360 IRA
Locations

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New York Area

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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.