Capital OneEditor's ChoiceCapital One 360 Checking
APY
0.10%
Min. to Open
None required
Monthly Fee
No monthly fee
Welcome Bonus
—
Capital One 360 Checking
Capital One 360 Checking
No fees, no minimums; early pay available. April 2026.
Our take
One of the best no-fee digital checking experiences with broad ATM access.
Highlights
What we like
Truly $0 monthly fee with no hoops
Early paycheck access and strong app
The trade-off
No brick-and-mortar cafes in most markets
Is this account right for you?
Answer a few quick questions — we'll match you with the bank accounts that fit your goals and habits.
Full details
Rate & Earnings
| APY | 0.10% |
| APY conditions | Variable; all balances |
Fees & Requirements
| Monthly fee | No monthly fee |
| Minimum to open | None required |
Features
| FDIC insured | FDIC insured |
| Mobile app | Mobile app |
| ATM access | ATM access |
| Check writing | Check writing |
Frequently asked questions
What is the current APY on this account?
The current APY is 0.10%. Variable; all balances
Is my money protected?
Yes — this account is FDIC insured up to $250,000 per depositor, per institution. Your money is safe even if the bank fails.
How do I access my money?
ATM withdrawals are available. Check writing is supported. You can transfer funds electronically to a linked checking account, typically within 1–3 business days.
Are there any hidden fees?
This account has no monthly maintenance fee. Always review the full fee schedule for wire transfer, outgoing transfer, or other service fees.
Capital One 360 Checking