Capital One 360 Review 2025: Checking, savings, CDs, and no monthly fees
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Capital One 360 Review 2025: Checking, savings, CDs, and no monthly fees
Capital One is a household name. From partnerships with A-list celebrities to an expanding presence in luxury travel to extra customer-friendly apps and services, the Capital One ecosystem is an exciting one in which to live.
As one of the largest financial institutions in the United States, Capital One is headquartered in McLean, Virginia. Since its establishment in 1994, this financial giant has grown operations to more than $90 billion in loan portfolio and over 5,100 clients,. with around 1,260 Capital One-branded ATMs (and tens of thousands more that you can freely use).
Capital One is famous for its credit cards and checking and savings accounts — but it also offers business loans, commercial services, and more. If you’re not near any of its branch locations, including its 55+ café locations, you can still bank online. Its online division is called Capital One 360, and that’s where you can find high-yield savings accounts, checking accounts, and certificates of deposits (CDs).
Here’s everything you need to know about Capital One 360.
Rates are current as of Nov. 17, 2025, and are subject to change.
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The best savings account rates from our partners for December 12, 2025
Account Type Savings & MMAs
Savings & MMAs
MMAs Only
Savings Only
ZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...
3.40 %
December 12, 2025
$ 0$ 850
Over 1 Year
Savings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILS
QUICK LOOK Capital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.
READ BANK REVIEW
3.75 %
December 12, 2025
$ 100$ 938
Over 1 Year
Savings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILS
QUICK LOOK CIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.
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3.65 %
December 12, 2025
$ 0$ 912
Over 1 Year
Savings AccountMarcus by Goldman SachsMember FDICPromoted OfferBacked by the financial expertise of Goldman Sachs.OPEN ACCOUNTOFFER DETAILS
QUICK LOOK Marcus by Goldman Sachs is an online bank that rewards savers with higher-than-average rates and few fees. Plus, its accounts have low or no minimum deposit requirements. But while it’s easy to move your money in and out of your accounts via electronic transfer to another account you own, you won’t be able to deposit or withdraw cash.
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Capital One at a glance
Capital One
Checking accounts
Starting at $0 per month
Savings account
Open with as little as $0
CD rates
Earn up to 3.50% annual percentage yield (APY)
View offer
at MoneyLion
Company insights
Year Founded: 1994
Company Headquarters: McLean, VA
CEO: Richard Fairbank
Fortune Rankings
#82on the 2025 Fortune 500 list
#15on Fortune’s 2025 America’s Most Innovative Companies list
Honorable mentionon Fortune’s 2025 World’s Most Admired Companies list
#36on Fortune’s 2025 100 Best Companies to Work For list.
#23on Fortune’s 2024 Best Large Workplaces for Parents list.
#4on Fortune’s 2024 Best Large Workplaces in Financial Services and Insurance.
#304on Fortune’s 2024 Global 500.
#36on Fortune’s 2024 100 Best Large Workplaces for Millenials.
#70on Fortune’s 2023 100 Best Large Workplaces for Women.
N/A
Pros
No monthly fees or minimum deposits on checking and savings accounts
Offers Kids Savings Accounts, which allow for automatic transfers of their allowance
Make deposits right from your mobile phone
Cons
Some competitors may offer higher interest rates with checking, savings, and CDs
APY is locked in and doesn’t account for inflation
CDs are illiquid, so you cannot easily access funds without penalties
Who is Capital One good for?
Capital One may be ideal for anyone who values a comprehensive digital banking experience and the ability to earn interest with ease. Its checking and savings accounts have no minimum account opening requirements, no minimum balance requirements to earn interest, and no monthly fees. Setting up multiple accounts is easy, and you can view these from a single dashboard, making it an excellent choice for those who open multiple accounts to work toward specific goals.
If you travel frequently, access to a large network of fee-free ATMs (over 70,000 in total) means easy access to cash. Additionally, if located near any one of its 50-plus café-style branches, customers can enjoy a coworking space and coffee shop all rolled into their banking experience.
Who shouldn’t use Capital One?
If you prefer to handle all your banking under one umbrella, from mortgages to student loans, consider an alternative option; Capital One focuses heavily on its core products—; credit cards, checking and savings accounts, and business or commercial banking.
Also, you must be a paperless customer to use any Capital One 360 banking products. If you’re a hard-copy champion and find it a bother to work with digital copies or elseto print everything yourself, this will be an annoyance.
Capital One 360 rates and products
Capital One 360 offers a variety of products, including high-yield savings accounts, checking accounts, and CDs. It also offers teen checking accounts and kids’ savings accounts, which is ideal for teaching children the value of money management. Here are your options.
Capital One product
APY
Checking accounts
0.10%
Savings accounts
Up to 3.40%
CDs
Up to 4.05%
Checking accounts
APY
0.10%
Savings accounts
APY
Up to 3.40%
CDs
APY
Up to 4.05%
Bank details checked Nov. 17, 2025.
Checking accounts
Capital One offers a monthly fee-free checking account (you’ll still pay fees for voluntary activities like wire transfers and purchasing cashier’s checks). But, you won’t pay a monthly fee or overdraft fees. And, you aren’t required to keep a minimum amount in your account to avoid fees.
As of this writing, Capital One 360 offers a checking account bonus of $250 when you open and use the code CHECKING250 and follow through on the required qualifying activities. Terms apply.
Capital One 360 checking account features
Account opening bonus
Up to $250
Minimum opening deposit
$0 *
Monthly fees
$0
Overdraft fee
$0
Top APY
0.10% APY
Free checks
First 50-count checkbook free; subsequent orders vary in price
Mobile deposit
Yes
Types of checking accounts available
360 Checking, MONEY Teen Checking
Domestic wire transfer
$30
Cashier’s check purchased at a Capital One branch
$10
Cashier’s check purchased online with expedited delivery
$20
Bank details checked Nov. 17, 2025.
*For your account to be considered “open,” you must deposit at least 1 cent.
Savings accounts
A high-yield savings account can help you earn an elevated APY on the money in your savings account. They’re most common among online-only banks. But Capital One 360 competes with the best of them, offering up to 3.40% APY, with no minimum requirement to earn interest.
Capital One 360 savings account features
Minimum opening deposit
$0
Monthly fees
$0
Top APY
3.40%
Minimum balance to earn interest
1 cent
Types of savings accounts available
360 Performance Savings, Kids Savings Account
Bank details checked Nov. 17, 2025.
SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield). Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare1 ResultsProduct DescriptionsTop Pick
SoFi® : Checking and Savings AccountMember FDICDisclosureDisclosure1. Up to $300 Bonus Tiered: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time.These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. 2. APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.
3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/. 4. FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks. 5. ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time. 6. Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduledpayment date, but may vary. 7. Overdraft Coverage: Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at http://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website. 8. 0.70% Savings APY Boost: Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2 SoFi Bank, N.A. Member FDIC.VIEW DETAILS on SoFi®'s website Annual Percentage Yield 0.50% as of 12/12/2025Monthly Fees$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1. Up to $300 Bonus Tiered: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time.These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. 2. APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.
3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/. 4. FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks. 5. ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time. 6. Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduledpayment date, but may vary. 7. Overdraft Coverage: Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at http://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website. 8. 0.70% Savings APY Boost: Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2 SoFi Bank, N.A. Member FDIC.VIEW DETAILS on SoFi®'s website Additional Features
Sign up and earn $50 or $300 with eligible direct deposit.
55,000+ fee-free ATMs within the Allpoint® Network.
Up to 2-day-early paycheck with direct deposit.
Earn 0.50% APY.
+0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.
Additional Features
Sign up and earn $50 or $300 with eligible direct deposit.
55,000+ fee-free ATMs within the Allpoint® Network.
Up to 2-day-early paycheck with direct deposit.
Earn 0.50% APY.
+0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.
A CD is something like a type of savings account that holds your money for a specified period of time in exchange for an APY typically higher than what you’d find in a traditional savings account. The tradeoff is that your money is tied up for that predetermined time frame, known as a term. If you take your money out before the specified term, you’ll usually pay an early withdrawal penalty.
Capital One 360 CD features
Minimum opening deposit
$0
Available term lengths
6, 9, 12, 18, 24, 30, 36, 48, and 60 months
Top APY
3.50% on a 6-month CD
Grace period
Your CD will renew automatically after 10 days of maturity if you haven’t redeemed it
Penalty for early withdrawal
From 3 to 6 months’ worth of interest
Bank details checked Nov. 17, 2025.
Capital One 360 CD rates
Capital One offers a variety of CD options with convenient terms and relatively generous APYs, including:
6-month term
3.50%
9-month term
3.50%
12-month term
4.05%
18-month term
3.70%
24-month term
3.50%
30-month term
3.50%
36-month term
3.50%
48-month term
3.50%
60-month term
3.50%
Bank details checked Nov. 17, 2025.
ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered by
Best CD Rates for December 12, 2025
ZIP Code Deposit Amount $Min. Term Length 6 months
1 months
6 months
1 year
18 months
2 years
3 years
Max. Term Length 3 years
6 months
1 year
18 months
2 years
3 years
4 years
5 years
6 years
FEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...
4.25 %
December 12, 2025
2yr$ 1000$ 1063
Over 1 Year
2 years cd AccountUnited Fidelity BankMember FDIC
QUICK LOOK
4.20 %
December 9, 2025
6mo$ 1000$ 1050
Over 1 Year
6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILS
QUICK LOOK Limelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.
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4.15 %
December 12, 2025
18mo$ 1000$ 1038
Over 1 Year
18 months cd AccountUnited Fidelity BankMember FDIC
QUICK LOOK
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Other services Capital One offers
As noted earlier, Capital One offers several other products and services aside from checking, savings, and CDs. These include:
Credit cards:Whether you’re looking to establish and build your credit, earn travel rewards toward a (nearly) free vacation, or find a spending tool to manage cash flow for your small business, Capital One has options to suit just about any need.
Business and commercial services:Whether you need a business loan or commercial funding, there are several options available.
CreditWise:Whether you’re building your credit or looking to maintain it, CreditWise helps you monitor your credit and even provides tips to help it grow.
Capital One Shopping:Through this browser extension and mobile app, you can receive coupons at checkout automatically and earn cash back for purchases. Capital One will even tell you if it spots an item you’re looking at for a cheaper price on another site.
Online banking
While you can open an account through a local branch, banking online with Capital One is fairly easy. Each of its 360 products is exclusively online and requires you to sign up for paperless options.
Just remember that Capital One doesn’t offer everything you might need— personal loans and mortgages. If you prefer to do all your banking in one place, there are online banks and credit unions that might better meet that need.
The Capital One 360 platform and customer support
Customers can access Capital One 360 customer support through the Capital One mobile app, where you can speak with its artificial intelligence (AI) chatbot named Eno. It’s not always the most intuitive, but it can help point you in the right direction when you’ve got a question.
If you’d like to talk to an actual human being, Capital One live support is available every day from 8 a.m. to 11 p.m. Eastern Time. You can reach support at 800-655-2265.
Is Capital One secure?
In general, Capital One is secure—but it seems no company is entirely impervious to data breaches. Capital One has experienced at least a couple high-profile incidents since 2019 which have ended in class-action lawsuits.
In terms of daily use, Capital One is extremely safe. It uses multi-factor authentication and real-time fraud alerts; it gives you the option to use virtual card numbers to mask your actual payment information; and its CreditWise service offers identity monitoring. It does just about everything you can ask of a bank.
Capital One user reviews
While the Capital One page on Trustpilot shows a 1.3-star average out of 5 possible stars, it’s worth noting that users most motivated to leave reviews will typically be those who have had a frustrating experience. By contrast, many reddit users have shared positive experiences about the bank, citing factors such as lack of fees, an easy-to-use mobile interface, and access to early direct deposit.
Compare Capital One alternatives
If Capital One 360 products don’t quite align with what you’re looking for, two popular online banks that might be worth looking at as alternatives include Ally and SoFi®.
Capital One
SoFi® Member FDIC
Ally
Top checking APY
Top checking APY
Top checking APY
0.10%
0.50%
0.25%
Top savings APY
Top savings APY
Top savings APY
3.40%
Get up to 3.60%.1 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.2
3.30%
Top CD APY
Top CD APY
Top CD APY
3.50% on a 6-month CD
N/A
3.90% on a 6-month CD
Learn more
Learn more
Learn more
View offer at MoneyLion
View offer at SoFi
View offer at MoneyLion
Bank details checked Nov. 17, 2025.
Is Capital One 360 right for you?
Capital One 360 is best for users comfortable with online banking, drawn to mostly fee-free accounts, and interested in high-yield savings and competitive CD rates. It may not suit those who prefer in-person banking or deposit cash frequently due to limited physical branches. Additionally, if you need student loans, mortgages, or retirement accounts, consider an alternative option.
Frequently asked questions
What is the difference between Capital One and 360?
Capital One is the larger financial institution responsible for traditional branch banking and credit products, whereas 360 is specifically the online banking arm of Capital One, offering high-yield checking and savings account products.
Is it safe to put money into Capital One 360?
Capital One 360 offers the same protections you’d generally find banking at a traditional branch: up to $250,000 per depositor, per institution in Federal Deposit Insurance Corp. (FDIC) insurance.
How much can I withdraw at an ATM from my Capital One account?
Capital One states that you can withdraw $500 per day and $2,000 per month from an ATM when using your bank app.
SoFi disclaimer
1:
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
2: 0.70% Savings APY Boost
Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
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