Capital One 360 Review

Name: Capital One 360
Brand: Capital One 360
Rating: 4.4 (4180 reviews)

Online rates with in-person backup

Finmatchly editorial score · 4,180 reviews

Best for Branch AccessBest for People who still want a branch nearby

See RatesSecure site · Updated July 2026

Savings APY: 3.60% APY
Monthly fee: $0
Min. deposit: $0
Sign-up bonus: None

Why it stands out

Capital One 360 highlights

No monthly fees and no minimum balance to open
Access to branches and Capital One Cafes in major cities
Automatic Savings tools schedule transfers on your terms
Strong, widely used mobile app for on-the-go banking

The verdict at a glance

Pros and cons

Pros

Rare mix of online rates and physical branch access
Cash deposits accepted at branches and select ATMs
Full lineup of checking, CDs, and kids' accounts

Cons

Rate sits below the top online-only banks
Branch footprint is concentrated in big metros

Our full review

Our take on Capital One 360

Capital One 360 gives you a fee-free online savings account plus something most digital banks can't: real branches and Capital One Cafes where you can bank in person. The rate is decent for the flexibility.

See Rates at Capital One 360

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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Capital One 360’s own site before you apply.

The alternatives

How Capital One 360 compares

Other top-rated banks in Online Banking. Compare the numbers side by side before you decide.

At-a-glance comparison of the top bank options
#	Provider	Rating	Savings APY	Best for
1	AAlly Bank	4.9	4.20% APY	Everyday savers who want a full bank	See Rates
2	MMarcus by Goldman Sachs	4.8	4.40% APY	Rate chasers who want a simple account	See Rates
3	SSoFi	4.7	3.80% APY	Direct-deposit users chasing a bonus	View Offer
4	DDiscover Bank	4.6	3.90% APY	Savers who value zero fees and service	See Rates

A
Ally Bank4.9Best for Everyday savers who want a full bank
Read review See Rates
M
Marcus by Goldman Sachs4.8Best for Rate chasers who want a simple account
Read review See Rates
S
SoFi4.7Best for Direct-deposit users chasing a bonus
Read review View Offer
D
Discover Bank4.6Best for Savers who value zero fees and service
Read review See Rates

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