Capital OneCapital One 360 Checking
APY
0.10%
Min. to Open
None required
Monthly Fee
No monthly fee
Welcome Bonus
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Capital One 360 Checking
Capital One 360 Checking
No fees, no minimums. No foreign transaction fees. 70,000+ fee-free ATMs in the US.
Our take
Capital One 360 Checking is the best traditional bank option for nomads who split time between the US and abroad. No monthly fees, no foreign transaction fees (rare for a US bank), Zelle support, and 70,000+ fee-free ATMs in the US. For international ATMs, Capital One does not charge a foreign transaction fee, though the ATM owner may charge a fee.
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Full details
Rate & Earnings
| APY | 0.10% |
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%. Rates are variable and may change. Check the bank's site for the most current rate.
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