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Overview / Commentary
800-289-1992
1680 Capital One Drive
Mclean, VA 22102

Capital One 360, a DepositAccounts.com advertiser, is an online banking subsidiary of the Capital One Financial Corporation, a financial holding company publicly traded on the New York Stock Exchange (Symbol: COF). The web-only bank officially took over ING Direct in 2012 and offers an array of depository banking and lending products, in addition to its brokerage platform. The Capital One 360 branding was first introduced at the end of 2012.

In its depository banking repertoire, the direct bank has personal checking, savings, and Certificate of Deposit (CD) accounts, as well as business savings and CD accounts. On the personal side, Capital One 360 offers a fee free checking account that is part of an extensive ATM network and comes with a free MasterCard debit card. The teen checking account is basically the same account, but adds a joint owner. Both accounts are attractive because they earn interest and make the switch from brick and mortar bank checking to Internet checking very smooth with mobile deposits and widely accessible ATMs. The online savings account offers one of the top interest rates in the country and has no fees and an automatic savings plan option to encourage the process. CDs are offered in term lengths ranging from 6 to 60 months and come with fixed interest rates.

Capital One’s Sharebuilder provides a trading platform where customers can perform cheap stock trades or look up reports on various investments from independent analysts. On the business side, a savings account is available that offers up to 3 authorized signers who can function as account owners.

Capital One 360 online banking provides a secure and sophisticated platform for account owners to manage their deposit, loan, and business accounts with Capital One. The bank’s site is optimized for both desktop and mobile use, and enables users to complete account management items like money transfers, balance reviews, bill pay, ATM search, and transaction history viewing. Mobile apps are attractive and make it easy to bank while on the run from a smartphone or tablet device.

Capital One 360 is the product of Capital One Financial Corporation’s 2012 acquisition of ING Direct, which was created in 2000. Capital One’s business model focused on consumer lending before 2005, until it decided to branch out into the retail banking business. Its acquisition of ING Direct considerably helped those efforts, making it one of the biggest online banks in the country. Capital One 360 is currently headquartered in McLean, Virginia, and serves its customers exclusively through its online banking platform.

Related Posts

Capital One Reduces CD Rates - 9/7/2017

Capital One lowered several of its' CD rates today, Wednesday 9-6-17; the full slate: 0.40% APY 6mo No change 0.60% " 9mo " " 0.90% " 12mo " " 1.10% " 18mo was 1.50% 1.20% " 24mo " 1.60% 1.25% " 30mo " 1.60% 1.30% " 36mo " 1.60% 1.50% " 48mo "  

Capital One Increases 360 Money Market Rate - 8/25/2017

Capital One (internet bank) has increased the rate on its 360 Money Market account to 1.20% APY on balances of $10k+. Balances below $10k earn 0.60% APY.

Capital One Increases 360 Money Market Rate - 8/25/2017

Capital One increased the rate of its 360 Money Market Account by 10 bps to 1.20% APY for balances of at least $10k. The rate remains at 0.60% for balances under $10k. At least this keeps them competitive. I’ll have more on this soon.

View all posts from:

11/28/14 - Capital One 360's 2014 Black Friday Sale
10/24/14 - Capital One Bank Raises Rate On Essential Savings To Competitive Level
7/25/14 - Capital One 360 Or Ally Bank???
7/25/14 - More Merging of Capital One 360 and Capital One Bank
7/1/14 - Capital One 360’s Financial Independence Days Sale
6/25/14 - Preview of Capital One 360’s Financial Independence Days Sale
4/24/14 - Capital One Business Checking Promotion with a $250 Bonus - Branch Only
2/6/14 - $50 Bonus With Capital One 360 Savings Account
11/29/13 - Capital One 360's 2013 Black Friday Specials: $125 Checking Bonus
11/25/13 - Capital One 360’s 2013 Black Friday Sale Preview
11/22/13 - Capitalone 360 Is Going To Have Banking Bonuses Nov 29 - Dec 2, 2013
11/6/13 - Capital One Offers Savings Account Promotion in Its Market Areas
7/26/13 - Capital One Business Checking Promotion with a $300 Bonus - Branch Only
7/1/13 - Capital One 360’s Financial Independence Days Sale Has Begun
7/1/13 - Capital One 360’s Financial Independence Days Sale Begins
6/27/13 - Free Book Of 50 Checks From Capital One 360
6/26/13 - Capital One 360’s Financial Independence Days Sale
5/29/13 - Capital One 360 Replacing Customer Debit Cards
4/19/13 - Capital One 360 Announces Changes Including Bigger Refer-a-Friend Bonus
3/25/13 - Capital One Branches Still Offering Checking Promo with a 1-Year Rate Guarantee in Some States
2/1/13 - ING DIRECT Is Now Capital One 360
8/27/12 - Capital One Bank's Checking Promo with a 12-Month Rate Guarantee
5/4/11 - Hot Capital One Checking Account Promotion in Austin Texas
11/20/09 - ING Direct's Black Friday CD and Electric Orange Checking Specials
2/5/09 - 4.00% 4-Year CD at Capital One Direct - Nationally Available
4/24/08 - Update on ING Direct CDs
11/20/07 - ING Direct Acquires ShareBuilder
7/12/07 - Is This How Banks Will Make Money from the Reward Checking Accounts?
4/29/06 - ING Direct's 5.25% 12-Month / 5.00% 9-Month CD
4/17/06 - ING Direct Sale is Over - Now What?
2/4/06 - ING Direct Increases Yields Slightly on CDs
1/23/06 - ING Direct Reduces Rates on Most CDs
10/25/05 - Slight Rise in ING Direct's Long Term CDs
10/13/05 - ING Direct's Answer To EmigrantDirect?
10/12/05 - Major Rate Increase at Another Online Bank
9/2/05 - ING Direct Again Lowers Long Term CD Rates

Reviews (292)

Capital One 360 is a winner

Posted by: Ketubli | Sep 9, 2017

Because my local credit union offers terrible rates of return on epbooks.us (Savings, Checking, Money Market, CDs, IRAs), I started saving online through ING Direct over 10 years ago, and was very pleased with the APY on all my savings accounts through ING Direct. Unfortunately, ING Direct is no longer in operation in this way, and, one day, the online entity simply "became" Capital One 360. After the switch from ING Direct to Capital One 360, nothing fundamental changed with any of my savings accounts, and I still continue to save for future financial needs in this way.

What I like most about Capital One 360 is that I can create/open as many different savings accounts as I think that I will need, and give each one a unique nickname, so I will know exactly how all of my savings funds are allocated. I also like Capital One 360's CDs, and plan to open a 5-year CD in October.

Great Credit Card For Beginners!

First of all, I want to start by saying thank you to the customer service agent who refused to assist me while I was driving. Capital One has officially gained a loyal customer for caring about my safety. I honestly appreciate that. Anyone else would have probably been annoyed, but it was certainly a reminder for me to focus on the road. Secondly, I love my credit card. It's great for beginners, just be sure to pay more than the minimum amount! Increase your spending limit when you can and always keep your spending below 25%. This helps increase you credit score! Thank you Capitol One for being so fantastic!

Capital One Online Bank

Originally, I began banking online with a company called ING Direct in 2006. At the time they offered the highest interest rate for savings and cd accounts. Around 2012, Capital One bought out ING Direct and my account transferred to them. The transition was very smooth and the online site has been easy to use. I am able to still have my checking account at another bank linked to my savings account. I am able to transfer funds between the two easily though not necessarily quickly. It always takes 48 hours to transfer funds. Since the takeover, the interest rates have been o.k. but not as good as they had been with ING Direct. Capital One does offer multiple options for cds and varying interest rates. They also offer checking accounts and money market accounts. I do not have experience with their checking accounts and money market accounts but I have looked into opening those types of accounts. The online checking account does not have any fees associated with it and appears to be easy to setup and use. I have not had a lot of experience in dealing with the customer service department simply because I have never needed to call. I have never had any issues with my online banking experience in the 5 years that I have been with Capital One. The only time I have needed to contact them was to update my last name when I got married and my address when I moved. Capital One has always been quick to respond and gives me the information I need right away. I would definitely recommend banking with them. The only improvement that I wish would happen is that the interest rates would be a little bit better than the other banks.

SCAM - False Advertisement

I opened my 360 money market Account with capital one on June 8, 2017 because of a promotion that was going on online that said if I opened it with a $10,000 deposit and entered the 4 letter code they sent me, I would be accredited a bonus of $300 in a month. Well it just happens to be that that month was finally up and I still had not been credited that bonus so I called customer service and they mentioned that unless I received a letter in the mail inviting me to open the account that the bonus didn't really count. I asked why they were promoting false advertisement online and they mentioned that In the smallest fine print it read that the bonus only applied to people who received the invitation by mail. My question is WHY ARE YOU ADVERTISING THIS ONLINE IF IT ONLY APPLIES BY MAIL AND INVITATION. This is one of the biggest scams I've ever been involved in by a credit company.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #4297
Year Established1933
Employees30163
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD5.61%
Annual Interest Income$5.73B
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$280.2B$278.7B
LoansQ2 2017vs Q2 2016$157B$153.4B
DepositsQ2 2017vs Q2 2016$221.2B$208.5B
Equity CapitalQ2 2017vs Q2 2016$37.86B$36.26B
Loan Loss AllowanceQ2 2017vs Q2 2016$2.49B$2.23B
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.96B$2.20B
Real Estate OwnedQ2 2017vs Q2 2016$48.0MM$93.1MM
User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Capital One Reduces CD Rates

cumulus |
Capital One lowered several of its' CD rates today, Wednesday 9-6-17; the full slate:

0.40% APY 6mo No change
0.60% " 9mo " "
0.90% " 12mo " "
1.10% " 18mo was 1.50%
1.20% " 24mo " 1.60%
1.25% " 30mo " 1.60%
1.30% " 36mo " 1.60%
1.50% " 48mo " 1.80%
2.00% " 60mo " 2.10%

Capital One Increases 360 Money Market Rate

Ken Tumin |
Capital One increased the rate of its 360 Money Market Account by 10 bps to 1.20% APY for balances of at least $10k. The rate remains at 0.60% for balances under $10k.

At least this keeps them competitive. I’ll have more on this soon.

Big Rate Hike On Capital One 18-Month 360 CD

Ken Tumin |
Capital One increased its 18-month 360 CD today from 1.10% to 1.50% APY.

This 18-month CD isn’t close to being a rate leader, but it’s always nice to see a Capital One 360 rate hike. Capital One 360 accounts are the online products that used to be offered by ING Direct.

Capital One appears intent to keep at least a few of its 360 CDs competitive. In March, the 60-month and the 12-month 360 CD rates were raised to competitive levels. These rates lasted for about two months.

For liquid accounts, Capital One seems to be focusing on its 360 Money Market Account. A month ago, the rate increased from 1.00% to 1.10% APY for balances of at least $10k. This 360 MMA was introduced in March 2016 with a 1.00% APY. If they do intend to keep this competitive, we should see another rate hike soon.

Capital One 360 Money Market Rate Increase

Ken Tumin |
Capital One raised the rate of its 360 Money Market Account APY from 1.00% to 1.10% for balances of $10k. The APY for balances under $10k remains at 0.60%. I'll have more on this news later.

Rates
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Always verify rates and promotions with the bank or credit union. We are not Capital One; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Capital One Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--360 Savings Account
0.75%--Kids Savings Account

Capital One Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%*$10k*-360 Money Market
OTHER TIERS: 0.60% Up to $10k

Capital One Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$100k*-360 Checking
OTHER TIERS: 0.20% Up to $50k | 0.75% $50k - $100k
0.25%--MONEY

Capital One CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%--60 Month 360 CD
1.50%--48 Month 360 CD
1.30%--36 Month 360 CD
1.25%--30 Month 360 CD
1.20%--24 Month 360 CD
1.10%--18 Month 360 CD
0.90%--12 Month 360 CD
0.60%--9 Month 360 CD
0.40%--6 Month 360 CD
Locations

Capital One is an Internet only bank and does not have branch locations. Its headquarters is located at 1680 Capital One Drive - Mclean, VA 22102