Capital One Financial Corporation is a banking company focused on primarily on commercial and consumer lending and deposit origination. The banks principal segment are National Lending and Local Banking.
- Branch / ATM Locator
- Website: https://home.capitalone360.com/
- Routing Number: 051405515
- Swift Code: See Details
- Telephone Number: 1-800-464-3473
- Mobile App: Android | iPhone
- Founded: 1994 (29 years ago)
- Bank's Rating:
Customers who have a bank account with Capital One 360 can conveniently access their bank accounts anytime by enrolling for the internet banking services offered by the bank. These services are completely free and customers can find an ATM, check their account balance and access the bank’s services through its website. In this post, we will be covering essential steps on how to log in, changing your password in case you forgot and registering for the online banking services.
How to login
The process of logging into your account is pretty simple. Customers who have registered can login into their online accounts anytime. Just follow these simple steps:
Step 1-Open your computer browser and go to https://www.capitalone360.com/
Step 2-Click “sign in”
Step 3-Enter your username and click “continue”
Step 4-Enter your password
You will be granted access to your account if you have used the correct password and username
Forgot your password?
Just like your Facebook or Twitter account, you won’t be granted access to your online account if you don’t use the correct password. Here are simple steps to help you reset your password:
Step 1-Click the Bank’s logo to navigate to the homepage and click “sign in”
Step 2– Enter your username to access the password page and click “forgot your password?”
Step 3-Ener the last four digits of your social security number and click “continue”
How to enroll
If you are a customer with a bank account with Capital One 360, you can enroll anytime and manage your bank account. These services are completely free and all you need to do is visit the bank’s website to enroll. Here are the steps you should follow:
Step 1-Go back to the homepage and click “open account”
Step 2– Choose the account you want to open. In this case, we will choose “360 checking”
Step 3-Click “continue”
Step 4: Enter your email address and complete other steps to formalize your registration
Manage your Capital One 360 online account
Here are the benefits of having an online account with the bank
- Check your account balance anytime
- Check your transaction history
- Transfer money to other accounts
- Pay your bills
- Find ATM locations
Capital One 360 Review
Capital One 360 is the 8th largest bank in the U.S. when ranked by deposits and assets, and it is the 9th largest bank in the U.S. by total assets. The bank was founded in 1988 and has 755 branches and 40,000 Automatic Teller Machines.
In 2915, the bank was the fifth largest credit insurer by purchase volume, after Citigroup, American Express, Bank of America and JP Morgan Chase.
The bank is also the fourth largest auto lender, with a 4.2% market share in 2016. During the same year, 62% of the bank’s revenue was from the credit cards, 26% from consumer banking, 11% from commercial banking and 1% from others.
If you are considering moving your bank online, then Capital one 360 is your best choice. The bank has managed to offer its banking services with minimum fees while ensuring that customers have access to quality customer service.
The first thing that comes to mind about Capital One 360 checking is zero costs. There are no maintenance; no overdraft fees; and no minimum balance requirement, although a fee of $9 is charged for insufficient money on returned checks.
For those who prefer to bank online, the bank makes it easy to complete all transactions from anywhere. Users can deposit checks via their mobile apps, pay bills and transfer funds online, and access funds through more than 40,000 ATMs nationwide.
The only downside is the limited ability to deposit funds, which can only be done at a Capital One Café or Capital One branch which you may not find in your area.
Although the APY on checking account balance is higher than the national average, you can find higher rates at other online banks.
Capital One Savings account is a bit higher, offering a 0.75% rate on balances. Just like Capital One Checking, there are no minimum balance requirements and no fees. Customers can open up to 25 separate savings accounts and manage them for various saving goals.
The bank’s online platform includes savings tools for setting up automatic savings and targeting specific goals.
The latest entrant into the bank’s product offering is basically its Money Market account. Money Market account, which was introduced in 2015, offers another option with no minimum balance and no maintenance fees or minim deposit requirements. For savers who maintain a minimum balance of less than $10,000, they get 0.60%.
This means that it could be beneficial to you if you keep your money in a 360 savings account earning you 0.75%. But, for account balances that are $10,000 or more, an APY of 1.0% applies, which is very competitive for a zero-fee money market account.
Although the account doesn’t come with checking writing privileges or debit card, you can easily transfer money between Capital one accounts.
Certificate of deposit
For savers who have a time horizon of 5 to 6 months, CD comes with more competitive rates and this bank’s CD offering are not any different. Generally, you can find higher CD rates but the bank’s rates are competitive with the best online banks.
For savings periods of 9 months or shorter, it is recommended that you save your money in a 360 Savings account.
- High yield savings and checking accounts
- No monthly fees of minimum balance requirement
- User-friendly mobile apps and website
- Easy access to money with over 40,000 ATMs nationwide
- Easy transfer of money to external accounts
- Branch support along other services through Capital one
- Limited number of branches
- Difficult in depositing funds
- Higher interest rates on savings and checking account at other online banks
If you are looking for an online bank with the highest APY, then Capital one 360 wouldn’t be anywhere on your list. However, for those who are more concerned about quality customer service, costs, and range of services, then Capital One 360 should rank among your top choices.
The bank offers its customers the convenience and inexpensive of a premier online bank, while at the same time providing brick and mortar Customer Support through around the clock the United States based call centers.
For those who have an account with Capital One 360, they can reach the bank’s customer service at 1-800-464-3473, whereas those who don’t have an account can use 1-888-464-0727.