capital one checking customer service

Capital One offers its customers a variety of ways to check their credit card, checking and savings accounts. If you want to speak with a. Withdrawing money from your 360 Performance Savings Account is as simple as calling customer service or going online. You cannot withdraw more. PNC Bank offers a wide range of personal banking services including checking and savings As we welcome BBVA USA customers, our Customer Care Center is.

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Capital one checking customer service
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Capital one checking customer service
capital one checking customer service

Capital one checking customer service -

Capital One Bank Review

Who Is Capital One Bank Best For?

Capital One is a well-established bank, and it’s hard to go wrong opening an account here. The bank may be especially attractive to those who want to:

  • Bank primarily online
  • Earn interest at a competitive rate
  • Open a free checking account that pays a small amount of interest
  • Choose a credit card with rewards or low fees
  • Bank in-person in select major cities
  • Help children open an account and start learning about money

What Does Capital One Bank Offer?

Capital One has a broad range of banking services, including online banking and brick-and-mortar services.


  • Savings accounts
  • Checking accounts
  • Certificates of deposit (CDs)
  • Credit cards

Savings Accounts

360 Performance Savings Account

The 360 Performance Savings account is a high-yield savings account that pays a competitive rate.

  • Pays 0.40% APY
  • No monthly maintenance fees
  • No minimum deposit to open
  • No ongoing minimum balance requirement
  • Mobile check deposit
  • An automated savings plan option
  • No debit cards, ATM cards, or check-writing capabilities

The 360 Performance Savings account is competitive with online bank accounts, and earns a decent rate while dodging fees. Although you won’t earn the highest interest rate possible at Capital One, the percentages are consistently good. Depending on how much you have in your account, this rate might be adequate, eliminating the need to chase rates as banks adjust their offers. As well, there are no debit or ATM cards. In general, a savings account may not be your best option for everyday spending.

Under Regulation D, banks were required to limit monthly withdrawals from savings accounts to a maximum of six. However, in April 2020, the Federal Reserve issued an interim final rule that allows banks to suspend enforcement of that limit. While the Federal Reserve issued this suspension, that doesn’t mean banks will, too. Getting cash at a branch doesn’t count against your limit, but you may still be charged a fee or have your account closed if you exceed your bank’s monthly withdrawal limit. Additionally, this is a temporary suspension and the Federal Reserve will decide at a future date whether to eliminate Regulation D indefinitely. Check with your bank to understand your monthly withdrawal limit.   

Kids Savings Account

The Kids Savings Account allows a parent or legal guardian to open a linked account with a minor under age 18, and start teaching them about money, like the benefits of saving and compound interest.

  • Pays 0.30% APY
  • No minimum required to open or ongoing balance requirements
  • Mobile check deposit
  • View-only access for kids to monitor their accounts
  • Adult login required to transfer funds
  • Converts to a 360 Savings account once the child turns 18

The rate is lower than Capital One’s 360 Performance Account, which also allows you to add minors as joint account holders. As a result, there’s not much reason to use the Kids Savings Account.

Checking Accounts 

360 Checking Account

The 360 Checking account is Capital One’s version of a free online checking account. There’s no need to qualify for fee waivers, which is notable for a large bank with physical branches. As a bonus, you can earn a small amount of interest on your balance.

  • Pays 0.10% APY on all balance tiers
  • No monthly maintenance fees
  • No minimum to open or ongoing balance requirement
  • Online bill pay
  • Mobile check deposit
  • Debit card for spending and cash withdrawals
  • Over 70,000 fee-free ATMs available, including the Allpoint® and MoneyPass® networks

Need to use an ATM that’s not in the Capital One, Allpoint® or MoneyPass® network? Capital One does not charge you for using another bank’s ATM, which is great. Keep in mind, though, that the ATM owner may add charges to your transaction.

Capital One allows you to temporarily lock your debit card, which reduces the risk of fraud. Scheduled transfers and bill payments continue uninterrupted, but thieves have a harder time using your card information.

MONEY Teen Checking Account

MONEY Teen Checking allows you to open a joint checking account with your child age 8 years and older. This provides additional autonomy to kids, allowing them to spend from the account as they go through day-to-day life.

  • Pays 0.10% APY
  • No monthly fees, minimum opening deposit, or ongoing minimums
  • Automatically issued debit card
  • Adults can monitor via text alerts, mobile app, or online access
  • $500 limit for withdrawals and purchases
  • No checks or online bill pay available

If you’re ready to let children take control of their spending and receive income via direct deposit into their own checking account, this account may be a solution. Once children reach age 18, they can switch to a 360 Checking account with more features.

Certificates of Deposit (CDs)

With no minimum deposit requirement, Capital One’s 360 CDs are accessible to all. Terms range from six months to five years, and rates are accurate as of November 5, 2021.

Capital One 360 CD Rates


You may face early withdrawal penalties if you cash out of a CD early, but that’s not unique to Capital One. Most banks impose these charges, and the details vary from bank to bank. Specifics for Capital One are as follows:

  • For terms of 12 months or less, you’ll pay three months of interest
  • For terms longer than 12 months, you’ll pay six months of interest

Credit Cards

Capital One has more than 25 credit cards to choose from. Whether you want cash back, seek travel rewards, or need a card that matches your credit score, you can filter cards with Capital One’s search tool.

Travel Rewards

Cash-Back Credit Cards


Improving Credit


  • Cabela’s CLUB Card
  • Bass Pro Shops CLUB Card

Other Financial Products From Capital One Bank

Capital One has a broad array of banking services, but the bank keeps the product line relatively simple for both consumers and businesses.

  • Car loans
  • IRA Savings
  • IRA CDs
  • Business loans
  • Business bank accounts

Capital One does not offer home loans or personal loans.

Capital One Bank Customer Service

Capital One has earned impressive marks for customer service across several business lines: 

  • Second place in the J.D. Power 2020 U.S. Banking Mobile App Satisfaction Study
  • Ranked in sixth place in the J.D. Power 2020 Credit Card Satisfaction Study

Customer service is available by phone from 8 a.m. to 11 p.m. Eastern, seven days per week.

Capital One’s Cafés offer a place to recharge, with workspaces, Wi-Fi, and discounted Peet’s Coffee for Capital One debit and credit card holders. Free workshops and three, one-hour money coaching sessions can help customers manage their personal finances.

Capital One experienced a data breach in 2019. The company says that the loss of data was contained, and the individual responsible was arrested—with no evidence that they shared or sold the stolen information. Still, these incidents can leave a bad taste in your mouth.

How to Bank With Capital One Bank

To get started, visit or visit a branch to open an account. If you have questions about opening an account, call 1-800-289-1992. You’ll need to provide personal information when opening an account, which is the norm for any financial institution in the U.S.

Final Verdict


Capital One has a strong offering of online bank accounts and a user-friendly app. As a bonus, you can bank in person if you live in certain states—but you may not ever need to visit a branch. Rates on savings accounts and CDs are consistently good, although you can often earn more elsewhere if you’re willing to shop around and open new accounts. The interest checking account compares well against competitors, and if you need a credit card, you have plenty to choose from.


Capital One keeps costs low and rates are competitive, but there are typically several other online banks that pay better rates on savings accounts and CDs, or offer flexible, no-penalty CDs. If your priority is to maximize interest earnings on a large balance, Capital One might not be the best option for you. That said, if you’re an average consumer with modest savings, the rates should be adequate.

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .


Customer Service

Personal Banking: 800.975.4722

Outside the US or Canada: 716.841.7212

Mon - Sun 7am - 12am ET


HSBC Premier: 888.662.4722

Outside the US or Canada: 716.841.6866

Available 24/7


HSBC Advance: 866:584.4722

Outside the US or Canada: 716.841.4477

Available 24/7


Business Banking: 833.722.4722 

Outside the US or Canada: 716.841.7855

Mon-Fri 8am - 8pm ET


Mortgage Customer Service: 855.527.8400

Outside the US or Canada: 847.320.6200

Mon-Fri 8am - 8pm ET, Sat 8am - 5pm ET


Premier Mortgage Customer Service: 855.806.4660

Outside the US or Canada: 716.841.7212

Mon-Fri 8am - 8pm ET, Sat 8am - 5pm ET


Jade Mortgage Customer Service: 855.806.4661

Outside the US or Canada: 716.841.7212

Mon-Fri 8am - 8pm ET, Sat 8am - 5pm ET


Private Bank Mortgage Customer Service: 855.806.4664

Outside the US or Canada: 716.841.7212

Mon-Fri 8am - 8pm ET, Sat 8am - 5pm ET


HSBC Securities Wealth Services Desk: 800.662.3343

Outside the US or Canada: 847.876.1574

Mon-Fri 8am - 6pm ET


Lost/Stolen Cards: 800.462.1874

Outside the US or Canada: 716.841.7212

Available 24/7


TTY/TTD: 800.898.5999


Contact Capital One Bank: Customer service, phone of Capital One

Contact Capital One Bank: Find below customer service details of Capital One Bank, including phone and address. You can reach the below contacts for new banking accounts, deposits, loans, debit/credit cards, investments, internet banking or other queries on Capital One services. The page also offers information and links on Capital Online products and services.

Capital One Head Office
Capital One Financial Corporation,
1680 Capital One Drive
McLean, VA 22102, United States
Phone: (703) 720-1000

Capital Online Customer Service
Phone: 1-800-655-BANK (2265)
Phone: 1-877-442-3764 (online banking)
Phone: 1-800-955-7070

Email Support
Email: [email protected] (general)
Email: [email protected] (report fraud)

Other Contacts
Rewards Center: 1-800-228-3001
Online Support: 1-866-750-0873
Report Fraud: 1-800-427-9428
Home Loans: 1-888-855-BANK (2265)
Mortgage Service: 1-800-933-9100
Credit Cards: 1-800-867-0904

Capital One Locations
Click here to locate a Capital One branch or ATM nearest to your address. A Capital One branch can be located by zip code, state, city or address.

Online Banking (View/Pay Bills)
Click here to login to your Capital One net banking. If not registered, register to check account statement,  stop payment on a check, view and print check images, order copies of paid checks or statements, update email, reorder checks, transfer funds do bill payment and much more.

About Capital One
capital-one-bankCapital One was founded in the year 1998 by Richard Fairbank and Nigel Morris. Headquartered in McLean, Virginia, Capital One Bank has nearly 1,000 Capital One Bank branches and over 2,000 ATMs in Connecticut, District of Columbia, Delaware, Louisiana, Maryland, New Jersey, New York, Texas and Virginia.

As of 2011, the financial holding company had $128.2 billion in deposits and $206.0 billion in total assets. A Fortune 500 company, Capital One has more than 45 million customer accounts and has grown to be one of America’s top 10 largest banks based on deposits. Capital One’s Commercial Banking division supports businesses with revenues over $10 million.

Capital One Bank offers checking, savings, CDs and loan products, as well as, investment, trust and other financial services. Capital One’s international businesses posted net income of $376 million in 2010. Owned and managed by the Capital One Financial Corporation, the US company employs close to 27,000 people (as of 2011).

Capital One specialises in banking products, credit cards, home loans and auto loans, among others. Some of the popular Capital One credit cards include Cash Rewards, Venture Rewards, VentureOne Rewards, Platinum Prestige, Cash Rewards, Secured MasterCard, Platinum and Classic Platinum. As for banking, Capital One offers personal banking (checkings accounts, savings accounts, investments..), small business banking and commercial banking solutions. If you dint know, Capital One offers auto financing, home loans, and personal loans.

For small businesses, Capital One offers business credit cards, business checking and savings, business loans and lines of credit, merchant services and treasury management. Capital One’s commercial products include depository service, treasury management, merchant services, debt solutions, international banking, equity sales and trading and much more.

By Content Team

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Capital One experienced what it called a technical issue that impacted customer money movement Friday, including direct deposits.

Nov. 1 was pay day for many, but for many Capital One Bank customers expecting their paychecks, it was not.

Capital One experienced what it called a technical issue that impacted customer money movement Friday, including direct deposits and the ability for some customers to access accounts.

In an emailed statement to WTOP around 2 p.m. Friday, Capital One said it had resolved the problem.

“The technical issues impacting some of our customers have been resolved. Customers are not responsible for any fees associated with this issue. We encourage customers to reach out to us if they continue to experience any difficulties. We sincerely apologize for the inconvenience,” the statement said.

Capital One did not say what caused the technical issue, or how many customers it actually affected.

Thousands of its customers took to the bank’s own customer service Twitter account to complain, many saying debit card purchases or automatic deductions were declined, and others referencing first-of-the-month mortgage or rent payments they were unable to make.

According to a 2017 CareerBuilder survey, 4 out of 5 employed Americans are living from paycheck to paycheck.

Customers also complained about long holds on Capital One’s customer service phone lines that ended in disconnects.

The customer banking account access problem, which lasted several hours, comes three months after Capital One disclosed that its systems had been hacked, exposing personal information from more than 100 million of its credit card customers, or of consumers and businesses who had applied for a Capital One credit card.

USA Today labeled that incident as one of the 10 largest data breaches ever.

Capital One has many banking customers in the D.C. region. It has $32.5 billion in D.C.-area customer deposits, according to the Washington Business Journal, and accounts for 12.7% of the local retail banking market share.

Jeff Clabaugh

Jeff Clabaugh has spent 20 years covering the Washington region's economy and financial markets for WTOP as part of a partnership with the Washington Business Journal, and officially joined the WTOP newsroom staff in January 2016.

More from WTOP


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