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.
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Overall solid, easy to use bank for checking and savings. With checking, bill pay is usually electronic and same day, checks clear next business day. Savings, unlimited withdrawals without fees, checks clear 4 business days.
They drag there feet on ACH, about 3 business days. But, my gripe is no TOTP 2FA, and there phone app 2FA option does not work, even from new device or IP address, I read others on reddit complaining of same issue. Every now and again, I will receive an email after I logged in to my account, to let me know someone logged into my account.
I've been a customer since the days of ING. Capital One 360 recently (this is 2024) changed their bill paying service provider. Twice in the last month, my bills have switched from ACH to paper checks sent via the most notoriously theft-prone and delayed means: the U.S. Postal Service. Since the paper checks are not tracked by the USPS, you have no idea where the checks are or if/when they were delivered. The only way you know your payment was not received on time is when your biller charges late fees. Because the late fees are not the result of my own doing but because of Capital One 360's choice to switch to an unreliable bill pay servicer, they have to cover the late fees and other associated fees related to the late payment/non-payment by check via the USPS. It will not be surprising to me if Capital One 360 loses customers because of this switch and profits decline due to the increasing payments of associated late fees.
I've been a Capital One 360 customer for many years. I logged in recently to see if my interest rate went up (because in 2022 the rates are going up), and I was still at 0.3%. They advertise 3% but keep their older accounts at 0.3% for people who don't check. I don't want to do business with a company like that.
Overall | |
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FDIC Certificate # | 4297 |
Year Established | 1933 |
Employees | 57866 |
Primary Regulator | OCC |
Profit Margin | |
---|---|
Return on Assets - YTD | 1.12% |
Return on Equity - YTD | 10.37% |
Annual Interest Income | $41.88B |
Assets and Liabilities | ||
---|---|---|
Assets | Q4 2023vs Q4 2022 | $475.6B$453.3B |
Loans | Q4 2023vs Q4 2022 | $306B$299.3B |
Deposits | Q4 2023vs Q4 2022 | $374.2B$355.1B |
Equity Capital | Q4 2023vs Q4 2022 | $53.19B$49.55B |
Loan Loss Allowance | Q4 2023vs Q4 2022 | $15.3B$13.24B |
Unbacked Noncurrent Loans | Q4 2023vs Q4 2022 | $5.61B$3.91B |
Real Estate Owned | Q4 2023vs Q4 2022 | $41.3MM$24.6MM |
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 |
---|---|---|---|---|
4.25% | - | - | 360 Performance Savings | |
2.50% | - | - | Kids Savings Account |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.10% | - | - | 360 Checking | |
0.10% | - | - | MONEY |