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#CAPITAL ONE 360 PLUS#

So having no fees is such a big plus because that will save money for you to build additional wealth, cut down your debt, and build a substantial emergency fund. That’s a big deal because nowadays a lot of banks are trying to nickel and dime you every single way they can.

There are no fees for opening or maintaining your checking and savings account.

It allows you to receive alerts when your score changes and get easy-to-understand credit tips so you can manage your financial future. Using CreditWise® from Capital One, you can track your credit score for free. You can set a goal for each savings account, change it any time you want, and watch your progress. This is an excellent tool to help you track the money you’re saving every step of the way. My Savings GoalsĪlong with multiple savings accounts, you can increase your enthusiasm around savings with what’s called My Savings Goals. This way you can plan to save for specific things, such as a home or baby. Plus, you can have up to 25 savings accounts, all with unique names. Then you sit back and watch your savings grow. You can set it up quickly and choose how much you want to save and how often. Getting in the habit of saving money is fun and easy with the Automatic Savings Plan. Or, you can use it to pay card-free with Apple Pay, Google Pay, and Samsung Pay. If you need to pay someone with cash but don’t have any (come on who carries cash anymore?), you can use Zelle within your Capital One mobile app to send secure person-to-person payments to almost anyone. Mobile Depositĭepositing checks is super easy-just take a picture of the check with your phone, and it’ll show up in your account in a couple of days. This is a great feature, especially when you have to pay smaller utility bills that aren’t managed by big companies. Read More: Best Mobile Banking Apps Online Bill PayĪll banks have this now, but Capital One 360 will send a paper check on your behalf if they can’t pay it electronically. You can access your account on the go and check your balance, transfer money, and manage multiple accounts with ease. Learn More: Best CD Rates Capital One 360 Features Top-Rated Mobile AppĬapital One has a fantastic mobile app. Let’s explore a little further to see what exactly you have available to you. They offer three CDs:Įach product is based primarily online (Capital One does have branches across the country, but 360 is focused entirely online) and comes with a solid interest rate. If you’re looking for a Certificate of Deposit (CD), you can get decent rates with Capital One 360.

Learn More: Best High Yield Savings Accounts CD and IRA CD's

360 IRA Savings Account: a Traditional IRA, set up as a savings account that earns 0.80% APY.

Kids Savings Account: designed for children, and still earns 0.50% APY.

360 Performance Savings: your standard savings account, earning 3.00% APY.

Savings AccountsĬapital One 360 has three options for savings accounts: In the cadre of offerings from Capital One 360 are: Checking AccountsĬapital One 360 offers two checking accounts: the 360 Checking, which is for all adults, and the MONEY Checking, which is geared toward teens. Since the acquisition, the offerings and features have grown. It was known as ING Direct but was later purchased by Capital One. What is Capital One 360?Ĭapital One 360 is a suite of checking and savings accounts offered by Capital One bank. So it seems like a good time to give Capital One 360 a thorough review. I now have a Capital One 360 checking account, and a Capital One Venture credit card-which show up in my account overview with Capital One 360. So, I was part of the transition to Capital One 360. I’ve had a savings account at ING Direct for several years. It’s an online bank that offers everything from checking accounts to savings accounts to bank accounts for children. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below.Ĭapital One purchased ING Direct in 2012 and created Capital One 360. We may, however, receive compensation from the issuers of some products mentioned in this article. You can trust the integrity of our balanced, independent financial advice.