⭐ Editor's Choice — Top Rated Pick
Capital One 360 Checking
📍 Available in: US
★★★★★ 4.7 / 5.0
Capital One 360 Checking solves the biggest headache of online-only banks: handling physical cash. Through its "Add Cash in Store" barcode feature, you can hand up to $999 in paper bills directly to a cashier at any CVS® or Walgreens® register nationwide and watch it hit your checking balance immediately for $0 fee. Combined with 0% foreign transaction fees, built-in Zelle®, no overdraft fees, and 70,000+ fee-free Allpoint and Capital One ATMs, it is the best all-around domestic checking replacement for Chase or Bank of America.
Key Facts at a Glance
| Cost / Fee Structure | $0 |
| APY / Rewards Yield | 0.10% APY |
| Minimum Deposit / Balance | $0 |
| FDIC / SIPC / Regulatory Protection | Up to $250,000 |
| ATM Network & Rebates | 70,000+ Fee-Free Allpoint & Capital One ATMs |
Pros & Cons
✓ Pros
- ✓Ability to deposit physical cash at thousands of CVS and Walgreens stores for $0 fee
- ✓Zero foreign transaction fees on the Mastercard debit card when traveling abroad
- ✓Top-rated iOS and Android banking app with instant virtual card lock and Zelle®
✕ Cons
- ✕Does not reimburse out-of-network ATM operator fees if you use a non-Allpoint/MoneyPass ATM
- ✕Checking APY is only 0.10% (pair it with a Capital One 360 Performance Savings account to earn high yield)
Key Features
Free Physical Cash Deposits at CVS® & Walgreens® Registers70,000+ Fee-Free Capital One, MoneyPass & Allpoint ATMs0% Foreign Transaction Fees on Debit Card Use AbroadNative Zelle® Integration & 2-Day Early Direct Deposit$0 Overdraft Fees (Auto-Decline, Free Savings Transfer, or No-Fee Overdraft)
Compare Capital One 360 Checking Side-by-Side
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