Featured Savings Rates
Featured Accounts

Capital One 360

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
2.00%5-year CD60 Month CD
1.45%2-year CD24 Month CD
2.00%5-year IRA60 Month IRA (Traditional, Roth)

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

Capital One 360 Offers $100 Money Market Bonus - 12/5/2016

Capital One 360 is offering a $100 bonus when opening a new 360 Money Market account by December 15, 2016, and depositing at least $10k by December 31, 2016

$100 Bonus For Capital One 360 Money Market Account With $10K Deposit - 12/2/2016

Just saw this advertisement on Google. Open your account by December 15th using invitation code Merry100 and deposit $10,000 or more by December 31st to earn your $100 bonus. Important small print How do I earn a bonus? To qualify for the $100 bonus, open your very first 360 Money Market account online by 12/15/2016 11:59 p.m., E.T. and deposit at least $10,000 no later than 12/31/2016 11:59 p.m., E.T. (If you currently have or have had a Savings product with Capital One Bank, Capital One 360 or ING DIRECT before or are a Capital One Associate, you won’t be eligible for the bonus.)Link to offer

Capital One 360 Hikes All CD Rates - 11/9/2016

Capital One 360 (internet bank) has raised the rates on its CDs, with the increases ranging from 35 to 75 basis points. There is no minimum deposit or balance cap.

View all posts from:

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
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
6/28/13 - 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
2/1/13 - ING DIRECT Is Now Capital One 360
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
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
11/20/07 - ING Direct Acquires ShareBuilder
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
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?
5/3/06 - 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
10/29/07 - ING Direct / VirtualBank Referral Bonuses
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?
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
12/31/05 - ING Direct Savings Now 3.80%
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?
9/2/05 - ING Direct Again Lowers Long Term CD Rates

Reviews (192)

Capital One 360 Savings

I started a Capital One 360 Savings account last year after a friend recommended it, and I couldn't be happier with it. It is incredibly easy to use, and signing up took less than a half hour. It was very simple to set up automatic monthly deposits from an existing checking account. The interest rate is amazing for a savings account, and I love that there are no fees. The website is very user friendly, and makes setting up transfers (both within and outside of the bank) or deposits a breeze. Mobile check deposits are also very simple, and again, don't have a fee attached (different than my traditional brick and mortar bank).

I have only had to speak with customer service once, and when I did they were friendly and helpful. Definitely no complaints with this bank, and I would highly recommend it.

360 Accounts Offer Excellent No Fee Services!

Capital One 360 is an online-only bank that does not have any physical branches. Since the bank only functions online, it saves money on overhead and passes those savings on to you. I proudly have a savings account and a checking account with them and am very pleased with the service. I pay absolutely no fees and the interest rate for the savings account is rather good. I use this account as my primary account to transfer money to and from various sources like PayPal and my gym membership and am very pleased with the speed of the transfers. In addition, I have used their debit card all over the country from Arizona to Hawaii and have never encountered any problems.

The one issue that I have with this bank is that it cuts back too much with its customer service and forces you to call them up and wait for a considerable amount of time to get your questions clarified. It would also be nice if they partnered up with other institutions like credit unions or convenience stores so that I could make cash deposits.

Other than the slight lack of customer service, it is a fee free bank that lets you relax knowing that your money is safe.

CapitolOne360 is the best experience for saving money

My wife and I started a CapitalOne360 savings account many years ago- it was intended to divert funds for our wedding without the hassle of going to the bank. The easiest thing for us was opening the account and then every payday, deposit funds directly into the savings account. The best part of the account for us was the ability to transfer the money into our personal checking right from our living room. This was great because it takes a few days to hit your account without making an impulse buy if you want access the money right away.
We also had a very nice experience with their customer service department when there was a possible unauthorized attempt to login from a foreign computer. CapitalOne360 noticed that something was suspicious of the attempted login and immediately notified us as the threat. The best part was that our money was safe and sound right where it should be.
CapitalOne360 is an amazing bank- 10/10 would recommend

Terrible Customer Service

I hane had an account eith Capitalone 360 for approaching 10 years. I have had no issues until recently when my accounts were frozen. I received a call from Cap360 with a callback number. I called back five times. I either cannot get through, get transferred then dropped, get transferred and wait but no one ever answers. All I know is that both my accounts are frozen and I cannot speak to anyone to find out the problem and how to resolve it. It is a good bank as long as you do not have any issues. Once you have an issue, pray you do not need your money any time soon. I will try one more time by visiting a cafe. If that does not work, I am going to the regulators.

VIEW MORE REVIEWS

Health
A

Health Grade Components

Overall
FDIC Certificate #4297
Year Established1933
Employees29077
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD3.97%
Annual Interest Income$7.88B
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$279.3B$254.4B
LoansQ3 2016vs Q3 2015$154.2B$138.2B
DepositsQ3 2016vs Q3 2015$211B$199.3B
Equity CapitalQ3 2016vs Q3 2015$35.34B$36.05B
Loan Loss AllowanceQ3 2016vs Q3 2015$2.27B$1.78B
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.21B$1.95B
Real Estate OwnedQ3 2016vs Q3 2015$76.8MM$118.5MM
  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.

$100 Bonus For Capital One 360 Money Market Account With $10K Deposit

stevel   |  
Just saw this advertisement on Google.

Open your account by December 15th using invitation code Merry100 and deposit $10,000 or more by December 31st to earn your $100 bonus.

Important small print
How do I earn a bonus? To qualify for the $100 bonus, open your very first 360 Money Market account online by 12/15/2016 11:59 p.m., E.T. and deposit at least $10,000 no later than 12/31/2016 11:59 p.m., E.T. (If you currently have or have had a Savings product with Capital One Bank, Capital One 360 or ING DIRECT before or are a Capital One Associate, you won’t be eligible for the bonus.)
Link to offer

Big CD Rate Hikes At Capital One 360

Ken Tumin   |  
Just noticed these big CD rate hikes at Capital One 360 while reviewing DA’s tables

2.00% apy 5yr (was 1.25%)
1.80% apy 4yr (was 1.10%)
1.60% apy 3yr (was 1.10%)
1.45% apy 30mo & 3yr (was 1.10%)
1.35% apy 18mo (was 0.90%)
1.25% apy 12mo (was 0.75%)

Unfortunately, the savings account rate (0.75%) and the MMA rate (1% for $10k+) remain the same.

I’ll have more on these CD rate hikes soon

$100 Checking Bonus

Carpline   |  
To earn the $100 bonus, you must open a 360 Checking Account between October 27, 2016, and January 31, 2017, 11:59p.m. ET, and receive 2 direct deposits of $250 or more within 60 days of your acceptance of account terms and conditions. You will receive the $100 credit to your checking account about 90 days after your acceptance of account terms and conditions.
360 Checking $100 Incentive. No fees, no minimums.


Rates
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Always verify rates and promotions with the bank or credit union. We are not Capital One 360; 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 360 Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--360 Savings Account
0.75%--Kids Savings Account
0.75%--IRA Savings

Capital One 360 Money Market Rates

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

Capital One 360 Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$100k*-360 Checking
OTHER TIERS: 0.20% Up to $50k | 0.75% $50k - $100k
0.25%--MONEY

Capital One 360 CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%--60 Month CD
1.80%--48 Month CD
1.60%--36 Month CD
1.45%--24 Month CD
1.45%--30 Month CD
1.35%--18 Month CD
1.25%--12 Month CD
0.40%--6 Month CD
0.40%--9 Month CD

Capital One 360 IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%--60 Month IRA
1.80%--48 Month IRA
1.60%--36 Month IRA
1.45%--24 Month IRA
1.45%--30 Month IRA
1.35%--18 Month IRA
1.25%--12 Month IRA
0.40%--6 Month IRA
0.40%--9 Month IRA
Locations

Capital One 360 is an Internet only bank and does not have branch locations. Its headquarters is located at 1680 Capital One Drive - Mclean, VA 22102