Monthly fee
$0
$0 a year for an everyday customer: fees and interest, $2,000 kept.
Capital One · Checking account
Capital One 360 Checking
+$50 with our referral link$0 a year for an everyday customer. No monthly fee. No minimum to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · ecm.capitalone.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · capitalone.com
The source states this figure; we have no exact sentence on file yet.
Offer
Bonuses
Through RateHerald’s referral link+$50 more than the public offer
$300instead of the public offer of $250
Open a 360 Checking account via the referral link and receive 2 qualifying direct deposits of $500+ each within 75 days of opening.
Instead of the public $250 offer (code CHECKING250): one bonus per account
“Earn a $300 bonus when you open a new 360 Checking account and complete qualifying activities.”The referral page on capitalone.com, checked Oct 25, 2026
$1,000 in direct deposits within 75 days. About $333 a month for 3 months.
Capital One 360 Checking · Capital One · for new customers
No end date postedMeet it within 75 daysNew customers only
“Open a new 360 Checking account with promo code CHECKING250 and receive at least 2 qualifying direct deposits, each of $500 or more, in your first 75 days.”The bank’s page, checked Nov 8, 2026
Against the market
How it ranks
#271of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Automatic savings
- Bill pay
- Branch access
- Card lock
- Cash deposit ATM
- Cash deposit retail
- Check writing
- Contactless card
- Debit card
- Early direct deposit
- Free checks
- Interest bearing
- Joint accounts
- Mobile check deposit
- No foreign transaction fee
- No minimum balance
- No overdraft fees
- Online opening
- Overdraft protection transfer
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0capitalone.com, checked Nov 8, 2026
- Interest compounds
- monthlycapitalone.com, checked Nov 8, 2026
Fees
- Monthly fee
- Noneecm.capitalone.com, checked Nov 8, 2026
- Minimum to open
- Nonecapitalone.com, checked Nov 8, 2026
- Overdraft fee
- Noneecm.capitalone.com, checked Nov 8, 2026
- Overdraft transfer fee
- Noneecm.capitalone.com, checked Nov 8, 2026
- ATM network
- Capital One, MoneyPass and Allpointcapitalone.com, checked Nov 8, 2026
- ATMs in the network
- 70,000capitalone.com, checked Nov 8, 2026
- Out-of-network ATM fee
- Noneecm.capitalone.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- Nonecapitalone.com, checked Nov 8, 2026
- Incoming domestic wire
- Noneecm.capitalone.com, checked Nov 8, 2026
- Outgoing domestic wire
- $30ecm.capitalone.com, checked Nov 8, 2026
- Cashier’s check
- $20ecm.capitalone.com, checked Nov 8, 2026
- Stop payment
- Noneecm.capitalone.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees