The Capital One 360 Performance Savings account is what most people are looking for in an online savings account - simple, yet rewarding. There are about 8,000 locations nationwide so it’s quite accessible, but you’ll want to check to see if there’s a location near you first if depositing cash is something you’ll need to do frequently.ģ60 Performance Savings Annual percentage yield (APY) Capital One has partnered up with CVS so you can deposit cash into your account at any CVS location. Like most online banks, making cash deposits is a bit trickier but still possible. Capital One also offers mobile check deposit, bill pay, and the ability to send funds with Zelle. Most large banks charge you lots of fees with checking accounts and offer zero interest, but Capital One flips that around - it charges no monthly maintenance fees and no overdraft fees, yet you’ll earn interest (albeit at a small rate) on all of the money in your account.Īccount holders can access their funds at more than 70,000 fee-free ATMs in the MoneyPass and Allpoint network as well as Capital One-branded ATMs. Most of its business, however, is online.ģ60 Checking Annual percentage yield (APY)Īs long as you don’t mind banking online, Capital One 360 offers just about the best checking account you can find. But the company also offers 54 “Capital One cafés” sprinkled throughout the country, blurring the lines between a hip hangout spot and a retail bank to create a more comfortable atmosphere. There are traditional bank branches that look like the ones you expect at other banks. Today, it’s the ninth-largest bank in the country, with nearly 300 in-person branches, mostly in the Northeastern and Southern U.S.Ĭapital One bank has a unique setup for its in-person branches. It launched in 1994, and the original founder (Richard Fairbank) still serves as the Chairman and CEO of the company, which is based out of McLean, Virginia. Doesn’t appear to offer money market accountsįor such a new bank, Capital One has grown rapidly.Very high customer satisfaction ratings.Capital One was the first major bank to nix all overdraft fees, and it doesn’t charge monthly maintenance fees for any of its accounts.
Capital One offers a suite of bank accounts, including checking, high-yield savings, and CDs.Power rated Capital One as the best nationwide bank with the best mobile banking app. Capital One is the ninth-largest bank in the country, operating mostly online but with a few scattered in-person locations.
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