No fees
No monthly or maintenance fees—you keep what you earn
No minimums
No minimum to open or keep your online checking account
COMPARE CHECKING AND DEBIT ACCOUNTS
360 CHECKING
Manage your money and everyday transactions
Pay your bills online, set up automatic transfers to savings and get your paycheck deposited early. Plus, you’ll get a contactless debit card so you can tap and pay.
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MONEY TEEN CHECKING
Teach money management and independence
They’ll get a debit card, login and financial freedom. You’ll get visibility and control over their spending.
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YOUR MONEY, MANAGED YOUR WAY
Bank securely
Your money is FDIC-insured, which means it’s protected by the US government up to allowable limits. Plus, you get $0 liability for unauthorized charges if your card is stolen.
Add money easily
Use one of our Capital One ATMs to add money to your account. Plus, with 360 Checking you can set up direct deposit to access your paycheck up to 2 days early or Add Cash in Store at any CVS®, Walgreens® or Duane Reade by Walgreens® location.
Access almost anywhere
Use the Capital One Mobile app to deposit checks, lock and unlock your debit card, change your debit PIN and more. Teens can set goals and parents can reward them for hitting them, too.
FREQUENTLY ASKED QUESTIONS
What is a checking account?
Checking accounts let you pay your bills, get cash, make deposits, and transfer money. And, Capital One’s 360 Checking and MONEY Teen Checking allow you to do all of that without monthly fees and extra trips to the bank.
How do I earn interest with a checking account?
This will depend on your bank because not all checking accounts earn interest. With Capital One, you can earn interest on a checking account with no minimum balance required to open or maintain.
How much money should you keep in your checking account?
That’s up to you! 360 Checking and MONEY Teen Checking have no fees or minimums required to open, use and keep your account.
How do debit cards work?
Put simply, debit cards allow you to spend money from your checking account. With Capital One, 360 Checking and MONEY Teen Checking customers will receive a debit card after opening their account that they can use to make purchases or withdraw cash from one of 70,000+ Capital One and partner ATMs.
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