capital one 360 money market contact number

Important disclosures and agreements for the money market and savings accounts When we obtain your mobile telephone number, we may contact you at this. You can reach Capital One customer service via 1-877-383-4802. This phone number is available 24/7. If you need to speak about credit card. NOTE: if you have multiple accounts with just one financial institution instance, you'll only need to go through the process once.

: Capital one 360 money market contact number

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capital one 360 money market contact number

Capital one 360 money market contact number -

If Capital One has one major selling point, it would be its savings accounts. The 360 Money Market account has built-in features that give you the opportunity and incentive to save. In addition to being secure and fee-free, its benefits include:

  • No minimum balance. You can stash as much or as little cash as you want into this account and earn interest. If you have less than $10,000, look into the savings account — you can earn 1% on all balances.
  • Easy deposits. Send electronic transfers, receive domestic wires or deposit checks or cash in over 39,000 compatible Capital One ATMs.
  • High interest rate. With this online account, you’ll earn a 0.85% APY on balances up to $9,999.99 and 1.9% APY on those over $10,000.
  • Automatic Savings Plan. Reach your goals faster by transferring a fixed amount of money from your linked checking account to your 360 Money Market account.
  • Flexible with linked accounts. You can move your money to and from a Capital One account or an account with a different bank.

Like all bank accounts, the 360 Money Market account has its drawbacks. These include:

  • No debit card or checks. The account doesn’t come with a debit card or the ability to write checks, which can make withdrawals inconvenient.
  • Doesn’t support international wire transfers. With this money market account, you can’t send or receive international wires.
  • Short support window. While the Interactive Phone Service is available around-the-clock, if you want to speak to a human, you’ll have to call customer service between 8 a.m. and 8 p.m. seven days a week.
  • Expensive outbound wires. The bank charges $30 to process outbound domestic wires.
  • Limited transactions. In alignment with federal law, the account has a limit of six withdrawals per month, which includes internal transfers. If you exceed this, Capital One may close your account.

You can open a 360 Money Market account online or in person at a Capital One branch. The bank claims it takes just five minutes to fill out the online form. To do this, follow these steps:

    1. Head to the Capital One site.
    2. Hover over the Checking & Savings tab and select 360 Money Market.
    3. On the landing page, click Open Account.
    4. Log in if you have an existing Capital One account, credit card or loan. If you don’t, press No.
    5. Select your account type: Single or Joint.
    6. Enter your Personal, Contact, Citizenship and Employment details.
    7. Review and agree to the Terms & Conditions.
    8. Click Now, Let’s Add Money.
    9. Follow the prompts to provide identifying documents and fund your initial deposit. Capital One will confirm your details. You’ll then receive an account number.

Eligibility

To apply for a 360 Money Market account, you must be:

  • A US citizen or permanent resident with a physical address and a valid Social Security number or individual taxpayer identification number.
  • At least 18 years old.

Required information

To breeze through your application, have these details handy:

  • Social Security number or individual taxpayer identification number.
  • Valid driver’s license, state ID or military ID.
  • Details for your linked checking account.

There are a few ways to access your money and stash your cash:

  • Electronic Funds Transfers. Sign in to the app or your online account to transfer money from other Capital One or external bank accounts.
  • ATMs. Deposit cash or checks in compatible Capital One ATMs. To find one near you, use the search function on the website and check the Make A Deposit box.
  • Wires. Move money around via domestic wires — at $30 for each domestic wire.
  • Branches. Go to a Capital One Café or branch to access ATMs and send wires.
  • Checks. Quickly deposit a check by uploading a photo of it to the Capital One app, bringing it to a branch or mailing it in. The 360 Money Market account doesn’t come with checks, so you won’t be able to send funds that way.
  • Direct deposit. To enroll in direct deposit with your employer, fill out this form.
    Include your account number and routing number, and specify the amount you’d like deposited into your account from each paycheck.

If you’d prefer to pick up the phone, you can withdraw money by calling the Interactive Phone Service at 888-464-7868 any time.

Got questions? You can contact the customer service team in the following ways:

  • Live chat. Log in to your account for real-time help during business hours.
  • Phone. To speak to someone, dial 877-514-2265 between 8 a.m. and 8 p.m., seven days a week.
  • Interactive phone service. If you’re fine with following prompts, call 888-464-7868.
  • Branches. Head to Capital One’s website to locate a branch near you.
  • Capital One Cafes. Drop by to withdraw or deposit money, learn more about banking or speak to an associate over a cup of coffee. There are cafes across the country.

Money market accounts are designed to speed up saving, and Capital One 360’s is among the best with its high interest rate, automated savings programs and no fees that eat away at your deposits.

However, it doesn’t come with check-writing privileges or an ATM card, and that lack of flexibility can make it tedious to access your money.

To make an informed decision, compare your options with our guide to money market accounts.
Capital One Kids Savings Account review

  • There are more similarities than differences. Both the 360 Money Market and 360 Savings accounts are online accounts that encourage you to save with high interest rates, savings programs and sophisticated online banking tools. They also have no fees or minimum opening deposits.

    However, the 360 Money Market account offers a 1.9% APY on balances over $10,000 — which is a better rate than you’ll get with the savings account.

  • Yes. You can link your money market account to any Capital One account or an account with another bank. When you open the account, Capital One will automatically link the checking account you used to make your initial deposit.

  • For this account, the routing number is 031176110.

  • No. The 360 Money Market account has no minimum balance requirement. If you want to earn the competitive 1.9% APY, though, you’ll need to have $10,000 or more sitting in the account.

  • Yes. You can select the joint account option when you apply. You’ll share access with another account holder and you’ll both be able to log in, transfer money and make deposits and withdrawals.

Источник: https://www.finder.com/capital-one-360-money-market-account

Capital One introduces pattern tracing to simplify mobile banking log-ins

Capital One is making it easier for customers to sign into its mobile banking app replacing passwords with a pattern that users trace with their finger.

The new feature is designed to address two of the biggest issues with mobile banking: Bill-pay security and ease of account sign-in. SureSwipe is Capital One’s new pattern sign-in feature for its iOS mobile app.

“We are allowing users to create a unique pattern by tracing their finger across a matrix of dots,” said Chris O’Neil, director of digital and PR campaigns at Capital One, McLean, VA.

“On next log-in, they can retrace the pattern from the registered device along with a saved username, and multi-factor transparent authentication to sign into our mobile app,” he said.

“This method reduces a multi-screen, multi-tap process, sometimes as many as 20 taps, to a single drag of a finger across a screen and lift to submit.”

Easy access
SureSwipe is designed to simplify the typical log-in process requiring users to remember and type in eight or more characters, often a combination of numbers and upper and lower case letters. This can be a challenge for mobile users – particularly when they are on the go – given the small screen sizes on smartphone.

Recent research conducted by Capital One found that 65 percent of mobile users cite difficulty accessing accounts as causing dissatisfaction with mobile banking.

Additionally, 15 percent of mobile password entries fail.

With SureSwipe, users need to trace a unique pattern and reenter to confirm the pattern. In the background, the pattern and the unique hardware identifier for the phone is stored in Capital One’s security platform and the username is remembered and a setting is placed in the app, so that on next launch users will be presented the dot matrix to re-trace the pattern they created.

From that point forward they trace and lift to log-in.

No other financial Institutions currently use a pattern login, according to Capital One. A few have adopted a 4-digit PIN to ease mobile access.

Running with the bulls
To use Sure Swipe, customers must have the latest version of the Capital One mobile app, version 4.3. Once the app is open, users can find SureSwipe under in the settings tab, where they can tap the touch screen to slide SureSwipe from off to on.

Once that is done, users can set up their secure pattern.

Capital One is working on a bringing an Android app to market in early 2014.

To showcase the ease of the new feature, Capital One has a new video showing parkour athlete Jonathan Watson as he participates in Great Bull Run in Atlanta last month while at the same time logging into his online account using SureSwipe.

Mobile banking
Capital One has been particularly active in the mobile space over the past few years.

In early 2012, it was one of several financial institutions to sign on to support the Isis Wallet mobile payments application. However, Capital One exited that partnership this fall (see story).

Additionally, Capital One partnered with shopping app ShopSavvy to enable card members to link their account numbers to the ShopSavvy app to receive deals (see story).

During last year’s holiday season, Capital One donated talk time via a mobile phone to members of the military every time customers logged in to its mobile banking app (see story).

“One of our goals was to significantly improve the customer experience for a key consumer pain point which was logging in can be difficult,” Mr. O’Neil said.

Final Take
Chantal Tode is associate editor on Mobile Commerce Daily, New York










Источник: https://www.retaildive.com/ex/mobilecommercedaily/capital-one-introduces-pattern-tracing-to-simplify-mobile-banking-log-ins

Capital One 360 Promotions

Read our in-depth review of Capital One to see why Capital One scored 4.3 stars out of 5. We like their overdraft protection options, no account minimums, and 27 cafes for in-person support.

If you're looking for bank promotions, you must check out these offers.

$100

Personal Checking Account - $100 Bonus

Open a new 360 checking account. Use promo code SHARE100. Set up and receive 2 direct deposits each of $200 or more within 90 days of account opening.

Get Deal

Expires 1/11/2022

360 Performance Savings - 0.40% APY

Get Deal

  • 0.40% APY
  • $0 opening minimum
  • No monthly service fee
  • No minimum balance requirement
  • Minimum Deposit Required:$0
  • Monthly Fee:$0

Basic Business Checking

  • Unlimited free transactions each month
  • $5,000 in free cash deposits each month
  • Waive the $15 monthly service fee by maintaining a prior 30- or 90-day average balance of $2,000 or more

Get Deal

  • Minimum Deposit to Open:$250
  • Monthly Fee:$15 (can be waived)

360 Checking Account

  • $0 opening minimum
  • No monthly service fee
  • No minimum balance requirement
  • 0.10% APY
  • 40,000+ Allpoint ATMs

Learn More

  • Minimum Deposit Required:$0
  • Monthly Fee:$0

Online CDs

Get Deal

  • Up to 1.00% APY
  • Up to 5 years
  • $0 minimum opening deposit
  • Daily Compounding Interest
  • FDIC Insured

Compare Promotions

Discover Bank

Member FDIC

Discover Online Savings - $200 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online or by phone. Enter Offer Code CY21 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/21, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Get Deal

Expires 12/15/2021

Citibank

Citi Priority Account - Up to $1,500 Cash Bonus

Apply Now

Expires 1/4/2022

  • Earn up to $1,500 cash bonus when you open a new account with required activities
  • Open a new eligible checking account in the Citi Priority Account during the offer period 10/5/21-1/4/22
  • Within 20 days of opening, deposit $50,000 in New-To Citibank funds between the new checking and savings accounts
  • Maintain a minimum balance of $50,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
  • After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days
  • Minimum Deposit to Open:$50,000
  • Monthly Fee:$30 Monthly Fee can be waived if combined average monthly balance of $50,000 or more is maintained
Chase

Member FDIC

Chase Total Checking® - $225 Bonus

Get $225 Coupon

Expires 1/19/2022

  • New Chase checking customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
  • Access to 16,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Overdraft Services - no fee if you're overdrawn by $50 or less at the end of the business day*
  • *We charge a $34 Insufficient Funds Fee per item during our nightly processing beginning with the first item that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).
  • Minimum Deposit to Open:$0
  • Direct Deposit Required:Yes
  • Minimum Deposit Required:None
  • When Do You Get It:Within 15 days after meeting requirements
  • Monthly Fee:$12 Monthly Service Fee OR $0 with one of the following, each monthly statement period:
    • Qualifying electronic deposits made into this account totaling $500 or more,
    • OR a balance at the beginning of each day of $1,500 or more in this account,
    • OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances
TD Bank

Member FDIC

TD Beyond Checking - $300 Cash Bonus

Get $300 Bonus

  • New customers who apply online for a TD Beyond Checking account can earn a $300 cash bonus after receiving direct deposits of $2,500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
  • Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
  • Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Rush Bill Payments and more.
  • Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
  • TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
  • Overdraft Payback - Get overdraft fees automatically reversed up to two times a year.
  • Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
  • TD checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection and 24/7 fraud monitoring.
  • Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
  • Direct Deposit Required:Yes
  • Minimum Deposit Required:$2,500 within 60 days
  • Monthly Fee:$25 monthly maintenance fee waived with monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or maintain a combined balance of $25,000 across eligible TD accounts.
HSBC

Member FDIC

HSBC Premier Checking - $450 Welcome Deposit

Get $450 Welcome Deposit

Expires 1/5/2022

  • Get a $450 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.
  • Open your new HSBC Premier checking account online by January 5, 2022; and
  • Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
  • You will automatically receive the $450 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.
  • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
  • Direct Deposit Required:Yes
  • Minimum Deposit Required:$5,000/Month for 3 Months

Capital One Offers You May Have Missed

Don't miss another hot deal. Check back often at CreditDonkey.

$25

Capital One 360 Checking - $25 Refer a Friend Offer

Get $25 when you open an account with an initial deposit of at least $250 AND do one of the following: make 3 debit card purchases or Zelle payments within 45 days of account opening. The $25 bonus will be deposited into your account on Day 50. Only available for new Capital One 360 customers using the unique link sent from their friend. Terms apply.

Go to Capital One Website

Expired 5/20/2020

$400

Personal Checking Account - $400 Bonus

Open a qualifying 360 Checking account using promo code BONUS400. Receive at least 2 direct deposits totaling $1,000 or more within 60 days of account opening.

Go to Capital One Website

Expired 1/26/2021

$25

Capital One 360 Savings - $25 Refer a Friend Offer

Get $25 when you open an account with an initial deposit of at least $250-9,999.99. The $25 bonus will be automatically deposited into your account. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers using the unique link sent from their friend. Terms apply.

Go to Capital One Website

Expired 5/20/2020

Compare Savings Promotions:

$100

Capital One 360 Savings - $100 Refer a Friend Offer

Get $100 when you open an account with an initial deposit of at least $10,000. The $100 bonus will be automatically deposited into your account. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers using the unique link sent from their friend. Terms apply.

Go to Capital One Website

Expired 5/20/2020

$250

Personal Checking Account - Up to $250 Bonus

Open a new 360 Checking account using promo code UPTO250. Make the qualifying spending requirement using your debit card within 90 days of account opening.

Spend RequirementCash Bonus
$1,500+$250
$500.01-$1,500$150

Go to Capital One Website

Expired 1/26/2021

$250

Personal Checking Account - $250 Bonus

Open a qualifying 360 Checking account using UPTO250. Spend $1,500.00 or more using your Capital One debit card within 90 days of account opening.

Go to Capital One Website

Expired 1/26/2021

Compare Checking Promotions:

$150

Personal Checking Account - $150 Bonus

Open a qualifying 360 Checking account using UPTO250. Spend $500.01–$1,500.00 using your Capital One debit card within 90 days of account opening.

Go to Capital One Website

Expired 1/26/2021

$25

Capital One 360 Money Market - $25

Get $25 if you make an initial deposit of $250 - $9,999.99. The bonus will be automatically deposited into your account upon opening. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers.

Go to Capital One Website

Expired 9/19/2019

$100

Capital One 360 Money Market - $100

Get $100 if you make an initial deposit of $10,000 or more. The bonus will be automatically deposited into your account upon opening. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers.

Go to Capital One Website

Expired 9/19/2019

Compare Money Market Promotion:

$150

Personal Checking Account - $150 Bonus

Open a qualifying 360 Checking account using promo code BONUS150. Receive at least 2 direct deposits of at least $250 each within 75 days of account opening.

Go to Capital One Website

Expired 8/17/2021


Capital One Bank offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

Capital One 360 Promotions

Capital One frequently offers cash bonuses for new banking customers. Keep your eye out on our page for coupons. If you see one, be aware of when the offer expires and act on it quick.

Capital One promotions are available to all residents nationwide.

Capital One Locations: Find a Capital One Cafe, branch and ATM near you using the Capital One location finder.

Capital One 360 Checking

Capital One's top-rated checking account has no balance requirements or service fees. Here are some special features:

  • Overdraft protections. Capital One offers several overdraft protection options. The Next Day Grace gives you one business day to replace the overdrawn amount before you're charged. You can also auto decline charges you don't have the funds to cover. Or you can link a savings account for a free automatic transfer of funds. Lastly, you can apply for an Overdraft Line of Credit, but you'll be charged interest until you pay back the funds.
  • First checks free. Your first set of checks are free.
  • No foreign transaction fee. There is no foreign transaction fee when you use your debit card abroad.

What to Open at Capital One

  • 360 Savings (for balances under $10,000). If you have less than $10k to save, you'll get the best interest rate with the 360 Savings account. There are no service fees or minimum balance requirements.
  • Money Market (for balances $10,000+). If you have at least $10,000 to deposit, Capital One's money market account offers the best APY with no monthly service fee.
  • 12-month CD. Capital One 360 offers one of the best APYs for a 12-month CD. There is no minimum opening deposit. If you can commit to not touching your money for longer, then you can get a slightly higher APY for a longer term CD (up to 5 years).
  • MONEY Teen Checking. This is a great checking account to teach teens money management. You and your teen will be joint account holders. Teens can make their own money decisions, and you can monitor their account online. There is no minimum deposit requirement and no service fees.

What NOT to Open at Capital One

  • Short term CDs. For CD terms less than 12 months, the interest rate isn't great. In this case, it's much better to just save your money into the Capital One 360 Savings Account.

Pricing information from published website as of 11/26/2021.

 Chase
 Learn MoreVisit Site
 

Benefits and Features

Savings
0.40% APY
  • Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
  • Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD0.10% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking
0.10% APY
  • Chase Total Checking®
  • Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
  • Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
  • Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
  • Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Customer Service
Mon-Sun: 8am - 11pm (ET)
 
ATMsOver 40,000 no-fee Capital One & Allpoint ATMs
16,000 Chase ATMs
IRA CD0.10% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%. 
Locations
Online Only
Over 4,700
 Learn MoreVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Capital One: Pricing information from published website as of 11/26/2021.

Chase: Pricing information and data points from published website as of 12/17/2020


Capital One Alternatives

Chase

Member FDIC

Chase Business Complete Banking℠ - $300 Bonus

Get $300 Coupon

Expires 1/20/2022

  • Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
  • More ways to waive fees. Multiple options to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card
  • Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠.
  • Same-day deposits with QuickAccept℠. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
  • Alerts to help you stay on top of your account activity.
  • Easy account management through Chase Business online and the Chase Mobile® app.
  • Unlimited electronic deposits, ACH and Chase Quick Deposit℠.
  • Convenient access to 16,000 ATMs and more than 4,700 branches.
  • Minimum Deposit to Open:None
  • Direct Deposit Required:No
  • Minimum Deposit Required:$2,000 within 30 business days
  • When Do You Get It:Within 15 days after meeting requirements
Citibank

Citi Priority Account - Up to $1,500 Cash Bonus

Apply Now

Expires 1/4/2022

  • Earn up to $1,500 cash bonus when you open a new account with required activities
  • Open a new eligible checking account in the Citi Priority Account during the offer period 10/5/21-1/4/22
  • Within 20 days of opening, deposit $50,000 in New-To Citibank funds between the new checking and savings accounts
  • Maintain a minimum balance of $50,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
  • After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days
  • Minimum Deposit to Open:$50,000
  • Monthly Fee:$30 Monthly Fee can be waived if combined average monthly balance of $50,000 or more is maintained
Discover Bank

Member FDIC

Discover Online Savings - $150 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online or by phone. Enter Offer Code CY21 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/21, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Get Deal

Expires 12/15/2021

HSBC

Member FDIC

HSBC Premier Checking - $450 Welcome Deposit

Get $450 Welcome Deposit

Expires 1/5/2022

  • Get a $450 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.
  • Open your new HSBC Premier checking account online by January 5, 2022; and
  • Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
  • You will automatically receive the $450 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.
  • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
  • Direct Deposit Required:Yes
  • Minimum Deposit Required:$5,000/Month for 3 Months

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Capital One 360 Review

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.


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Источник: https://www.creditdonkey.com/

Capital One

Bank holding company headquartered in McLean, Virginia

Capital One logo.svg
CapitalOneHQ body.jpg

Capital One Tower in Tysons, Virginia

TypePublic

Traded as

IndustryFinancial services
FoundedJuly 21, 1994; 27 years ago (July 21, 1994)
Richmond, Virginia, U.S.
FounderRichard Fairbank, Nigel Morris
HeadquartersCapital One Tower
McLean, Virginia

Areas served

United States, Canada, United Kingdom

Key people

Richard Fairbank
(Chairman, President and CEO)
Stephen S. Crawford
(Head of Finance and Corporate Development)
R. Scott Blackley
(CFO)
ProductsRetail banking, credit cards, loans, savings
RevenueDecrease US$26.033 billion (2020)[1]

Operating income

Decrease US$3.203 billion (2020) [1]

Net income

Decrease US$2.714 billion (2020) [1]
Total assetsIncrease US$421.602 billion (2020) [1]
Total equityIncrease US$60.204 billion (2020) [1]

Number of employees

Increase51,985 (2020) [2]
SubsidiariesWikibuy, ShareBuilder, Paribus, United Income, BlueTarp, Adaptive Path, Confyrm, Capital One Securities, Critical Stack, Monsoon Company, Finnoble Solutions, Notch
Capital ratio11.2% (2018)
Websitewww.capitalone.com
Footnotes / references
[3]

Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.[3] It is on the list of largest banks in the United States and has developed a reputation for being a technology-focused bank.

The bank has 755 branches including 30 café style locations[4] and 2,000 ATMs. It is ranked 97th on the Fortune 500,[5] 9th on Fortune's 100 Best Companies to Work For list,[6] and conducts business in the United States, Canada, and the United Kingdom.[3] The company helped pioneer the mass marketing of credit cards in the 1990s.[7] In 2016, it was the 5th largest credit card issuer by purchase volume, after American Express, JPMorgan Chase, Bank of America, and Citigroup.[8]

With a market share of 5%, Capital One is also the second largest auto finance company in the United States, following Ally Financial.[9]

The company's three divisions are credit cards, consumer banking and commercial banking. In the fourth quarter of 2018, 75% of the company's revenues were from credit cards, 14% were from consumer banking, and 11% were from commercial banking.[3] Capital One has consistently ranked as one of the best places to work for, appearing in multiple Glassdoor's Best Places To Work reports.[10] In 2020, Fortune magazine ranked Capital One at number 24 on their Fortune List of the Top 100 Companies to Work For in 2020 based on an employee survey of satisfaction,[11] rising to 9 on the 2021 list.[12]

History[edit]

Richard Fairbank and Nigel Morris founded Capital One in 1988 with the support of Richmond, Virginia-based Signet Bank. Fairbank became the company's CEO on July 27, 1994, after Oakstone Financial was spun off from Signet Financial Corp. Oakstone Financial was later renamed to Capital One in October 1994, and the spin-off was completed in February 1995. The newly formed credit card company was ranked among the top ten credit card issuers in the United States after signing up more than five million customers. Capital One worked as a monoline, deriving all of its revenues from the credit card business. Even as a monoline, it succeeded in the credit card business due to its use of data collection to target personalized offers directly to consumers.[citation needed]

In 1996, Capital One moved from relying on teaser rates to generate new clients to adopting more innovative techniques that would attract more customers to their business model. At the time, it was losing customers to competitors who offered higher ceilings on loan balances and no-annual-fee accounts. The company came up with co-branded, secured, and joint account credit cards. In mid-1996, Capital One received approval from the federal government to set up Capital One FDB. It meant that the company could now retain and lend out deposits on secured cards and even issue automobile installment loans.[citation needed]

Monoline credit card company (1994–2004)[edit]

Capital One retail footprint as of 2010

On July 21, 1994, Richmond, Virginia-based Signet Financial Corp (now part of Wells Fargo) announced the corporate spin-off of its credit card division, OakStone Financial, naming Richard Fairbank as CEO.[13] Signet renamed the subsidiary Capital One in October 1994.[14][15]

At that time, Capital One was a monoline bank, meaning that all of its revenue came from a single product, in this case, credit cards.[16] This strategy is risky in that it can lead to losses during bad times.[16] Capital One attributed its relative success as a monoline to its use of data collection to build demographic profiles, allowing it to target personalized offers of credit directly to consumers.[17]

Capital One began operations in Canada in 1996.

Expansion into auto loans (1996–present)[edit]

In 1996, Capital One expanded its business operations to the United Kingdom and Canada. This gave the company access to a large international market for its credit cards. An article appearing in the "Chief Executive" in 1997 noted that the company held $12.6 billion in credit card receivables and served more than nine million customers. The company was listed in the Standard & Poor's 500, and its stock price hit the $100 mark for the first time in 1998.[citation needed]

Throughout its history, Capital One has focused on making acquisitions of monolines in various related sectors. In 2005, the company acquired Louisiana-based Hibernia National Bank for $4.9 billion in cash and stock. It also acquired New York-based North Fork Bank for $13.2 billion in 2006. The acquisition of smaller banks reduced its dependency on the credit business alone. Other companies acquired by Capital One include Netspend for $700 million in 2007, Chevy Chase Bank for $520 in 2009, IDG Direction division for $9 billion in 2011, and General Electric's Healthcare Financial Services Unit for $9 billion in 2015.[citation needed]

During the subprime financial crisis of 2008, Capital One received $3.56 billion in investments from the US Treasury courtesy of the Troubled Asset Relief Program in 2008. The company was forced to close its mortgage division, GreenPoint Mortgage, due to the losses incurred by investors. It paid back $3.67 billion to the US Treasury for the repurchase of the company stock.[citation needed]

CapitalOne Café in Chicago

In July 1998, Capital One acquired auto financing company Summit Acceptance Corporation.[18]

In 1999, Capital One was looking to expand beyond credit cards. CEO Richard Fairbank announced moves to use Capital One's experience with collecting consumer data to offer loans, insurance, and phone service.[19][20]

In October 2001, PeopleFirst Finance LLC was acquired by Capital One.[21]

The companies were combined and re-branded as Capital One Auto Finance Corporation in 2003.[22]

In late 2002, Capital One and the United States Postal Service proposed a negotiated services agreement (NSA) for bulk discounts in mailing services.[23] The resulting three-year agreement[24] was extended in 2006.[25] In June 2008, however, Capital One filed a complaint[26] with the USPS regarding the terms of the next agreement,[27] citing the terms of the NSA of Capital One's competitor, Bank of America. Capital One subsequently withdrew its complaint to the Postal Regulatory Commission following a settlement with the USPS.[28]

Onyx Acceptance Corporation was acquired by Capital One in January 2005.[29]

Expansion into retail banking (2005–present)[edit]

While many other monolines were acquired by larger, diverse banks, Capital One expanded into retail banking with a focus on subprime customers.

Capital One acquired New Orleans, Louisiana-based Hibernia National Bank for $4.9 billion in cash and stock in 2005[30] and acquired Melville, New York-based North Fork Bank for $13.2 billion in cash and stock in 2006,[31] which reduced its dependency on credit cards from 90% to 55%.[32]

In 2007, Capital One acquired NetSpend, a marketer of prepaid debit cards, for $700 million.[33]

During the 2007 subprime mortgage financial crisis, Capital One closed its mortgage platform, GreenPoint Mortgage, due in part to investor pressures.[34][35][36]

In 2008, Capital One received an investment of $3.56 billion from the United States Treasury as a result of the Troubled Asset Relief Program.[37][38] On June 17, 2009, Capital One completed the repurchase of the stock the company issued to the U.S. Treasury paying a total of $3.67 billion, resulting in a profit of over $100 million to the U.S. Treasury.[39]

The U.S. Securities and Exchange Commission criticized Capital One's conduct during the crisis, claiming that they understated auto loan losses during the financial crisis of 2007–2008. In 2013, Capital One paid $3.5 million to settle the case, but was not required to directly address the allegations of wrongdoing.[40]

In February 2009, Capital One acquired Chevy Chase Bank for $520 million in cash and stock.[41][42][43][44]

In January 2011, Capital One acquired Canada-based Hudson's Bay Company's private credit card portfolio from Synchrony Financial, then known as GE Financial.[45]

In June 2011, ING Group announced the sale of its ING Direct division to Capital One for $9 billion in cash and stock.[46] On August 26, 2011, the Federal Reserve Board of Governors announced it would hold public hearings on the Capital One acquisition of ING Direct, and extend to October 12, 2011, the public comment period that had been scheduled to end August 22.[47] The move came amidst rising scrutiny of the deal on systemic risk, or "Too-Big-to-Fail," performance under the Community Reinvestment Act, and pending legal challenges. A coalition of national civil rights and consumer groups, led by the National Community Reinvestment Coalition, were joined by Rep. Barney Frank to challenge immediate approval of the deal. The groups argued that the acquisition was a test of the Dodd-Frank Wall Street Reform and Consumer Protection Act, under which systemically risky firms must demonstrate a public benefit that outweighs new risk before they are allowed to grow. Kansas City Federal Reserve Bank head Thomas M. Hoenig was also skeptical of the deal.[48][49] In February 2012, the acquisition was approved by regulators and Capital One completed its acquisition of ING Direct.[50] Capital One received permission to merge ING into its business in October 2012,[51] and rebranded ING Direct as Capital One 360 in November 2012.[52]

In April 2011, Capital One signed a deal with Kohl's to handle Kohl's private label credit card program that was previous serviced by Chase Bank for a seven-year period for an undisclosed amount.[53] The contract between the two companies was extended in May 2014.[54]

In August 2011, Capital One reached a deal with HSBC to acquire its U.S. credit card operations.[55] Capital One paid $31.3 billion in exchange for $28.2 billion in loans and $600 million in other assets. The acquisition was completed in May 2012.[56] The acquisition also included private issued credit cards for such companies as Saks Fifth Avenue, Neiman Marcus, and Lord & Taylor that were previously handled by HSBC.[57]

On February 26, 2012, along with several other banks, Capital One announced support for the Isis Mobile Wallet payment system.[58] However, in September 2013, Capital One dropped support for the venture.[59]

In 2012, Capital One closed 41 branch locations.[60]

In 2015, Capital One closed several branch locations to leave 174 operating branches in the D.C. metro area.[61]

On February 19, 2014, Capital One became a 25% owner in ClearXchange, a Peer-to-peer transaction money transfer service designed to make electronic funds transfers to customers within the same bank and other financial institutions via mobile phone number or email address.[62] ClearXchange was sold to Early Warning in 2016.[63]

In January 2015, Capital One acquired Level Money, a budgeting app for consumers.[64]

On July 8, 2015, the company acquired Monsoon, a design studio, development shop, marketing house and strategic consultancy.[65]

In 2015, Capital One acquired General Electric's Healthcare Financial Services unit, which included $8.5 billion in loans made to businesses in the healthcare industry, for $9 billion.[66]

In October 2016, Capital One acquired Paribus, a price tracking service, for an undisclosed amount.[67][68]

In July 2019, Capital One signed a deal with Walmart to handle Walmart's private label and co-branded credit card programs that was previously serviced by Synchrony Financial.[69]

In November 2021, the company introduced Venture X, a travel rewards credit card, with a $395 annual fee.[70]

Exit from mortgage banking (2006–2007 and 2011–2017)[edit]

In November 2017, President of Financial Services Sanjiv Yajnik announced that the mortgage market was too competitive in the low rate environment to make money in the business.[71] The company exited the mortgage origination business on November 7, 2017, laying off 1,100 employees.[72] This was the second closure; the first occurred on August 20, 2007, when GreenPoint Mortgage unit was closed.[73] GreenPoint had been acquired December 2006 when Capital One paid $13.2 billion to North Fork Bancorp Inc. The re-emergence into the mortgage industry came in 2011 with the purchase of online bank ING Direct USA.[74]

Other acquisitions[edit]

In May 2018, the company acquired Confyrm, a digital identity and fraud alert service.[75][76][77]

In November 2018, Capital One acquired Wikibuy, a shopping comparison app and browser extension from an Austin, Texas start-up business; Wikibuy has no connection with Wikipedia/Wikimedia.[78]

Divisions[edit]

Capital One operates 3 divisions as follows:[3]

  • Credit cards – Capital One issues credit cards in the United States, Canada, and the United Kingdom and is the 3rd largest credit card issuer, after JPMorgan Chase and Citigroup. As of December 31, 2018, Capital One had $107.350 billion in credit card loans outstanding in the United States and $9.011 billion of credit card loans outstanding in Canada and the United Kingdom, with credit cards representing 47.3% of total loans outstanding.[3]
  • Consumer banking – offers banking services, including checking accounts, saving accounts, and money market accounts via its branches and direct bank as well as retail and auto loans. As of December 31, 2018, the company had $2.864 billion in retail loans outstanding and $56.341 billion in car finance loans outstanding, representing 22.9% of total loans outstanding.[3]
  • Commercial banking – As of December 31, 2018, Capital One had $70.333 billion in loans outstanding secured by commercial, multifamily, and industrial properties, representing 28.6% of total loans outstanding.[3]

Sports marketing[edit]

Since 2001, Capital One has been the principal sponsor of the college football Florida Citrus Bowl, which has been called the Capital One Bowl since 2003.[79] It sponsors a mascot challenge every year, announcing the winner on the day of the Capital One Bowl. The name of the stadium was changed in 2014 to the Orlando Citrus Bowl and was then changed again to Camping World Stadium in 2016, following a multi-year naming rights sponsorship with Camping World.[80]

Capital One is one of the top three sponsors of the NCAA, paying an estimated $35 million annually in exchange for advertising and access to consumer data.[81][82] Capital One also sponsored the EFL Cup, an English Soccer Competition, from 2012 to 2016. The company sponsored Sheffield United F.C. from 2006 to 2008. In 2017, the company became the sponsor of the Capital One Arena in Washington D.C.[83][84]

In 2018, to celebrate the Washington Capitals' second-ever Stanley Cup Finals appearance, the firm temporarily changed its logo by replacing the word "Capital" with the Capitals' titular logo, without the "s" plural.[85][86]

Corporate citizenship[edit]

Capital One operates some charitable programs. The accountability organization National Committee for Responsive Philanthropy has been highly critical of Capital One's relatively low rate of giving, stating that "Capital One's philanthropic track record is dismal".[87] The organization pointed out that Capital One's donations of 0.024% of revenue were much less than the industry median of 0.11% of revenue.[87] Capital One has disputed the groups figures, saying that "... In 2011 alone, our giving totals are more than 6 times greater ($30 million) than the number given by the NCRP".[88]

Criticism and legal actions[edit]

[edit]

In July 2012, Capital One was fined by the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau for misleading millions of its customers, such as paying extra for payment protection or credit monitoring when they took out a card.[89] The company agreed to pay $210 million to settle the legal action and to refund two million customers.[90] This was the CFPB's first public enforcement action.[91]

Automated dialing to customers' phones[edit]

In August 2014, Capital One and three collection agencies entered into an agreement to pay $75.5 million to end a consolidated class action lawsuit pending in the United States District Court for the Northern District of Illinois alleging that the companies used an automated dialer to call customers' cellphones without consent, which is a violation of the Telephone Consumer Protection Act of 1991.[92] It is notable that this legal action involved informational telephone calls, which are not subject to the "prior express written consent" requirements which have been in place for telemarketing calls since October 2013.[93]

2014 amendment to terms of use to allow personal visits[edit]

In 2014, Capital One amended its terms of use to allow it to "contact you in any manner we choose", including a "personal visit . . . at your home and at your place of employment." It also asserted its right to "modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose."[94] The company stated that it would not actually make personal visits to customers except "As a last resort, . . . if it becomes necessary to repossess [a] sports vehicle".[94] Capital One also attributed its assertion of a right to "spoof" as necessary because "sometimes the number is 'displayed differently' by 'some local phone exchanges,' something that is 'beyond our control'".[95]

July 2019 security breach[edit]

Capital One publicly acknowledged on July 29, 2019, that they had found unauthorized access had occurred ten days earlier by an individual who had breached the account and identity security of 106 million people in the United States and Canada.[96] The FBI arrested Paige Thompson, who had previously worked as a software engineer for Amazon Web Services, Capital One's cloud hosting company. Capital One declared that Thompson had accessed about 140,000 Social Security numbers, a million Canadian social insurance numbers; 80,000 bank account numbers, and an unknown number of names and addresses of customers. Capital One began offering free credit monitoring services to those affected by the breach.[97][98]

Thompson's employment at Amazon appears to have ended in September 2016. Amazon stated that the security vulnerability she used to access Capital One could have been discovered by anyone, the information that facilitated her activity was not gained from work at Amazon, and that she gained access via "a misconfiguration of the (Capital One-designed) web application and not the underlying (Amazon-designed) cloud-based infrastructure".[99]

Details of the breach[edit]

Forensic analysis[vague] determined Thompson's actual hacking activity occurred in March 2019, then she posted the information to different outlets over the next three months. In April she posted what came to be known[by whom?] as the "April 21 Files", a trove of leaked data along with instructions on how to access the company's credentials for more data extraction. In July a white-hat alerted Capital One to Thompson's hacking activity. Thompson pleaded not guilty to charges of wire fraud and computer fraud and abuse. During the investigations and subsequent data freeze, millions of Capital One accounts were locked; their owners were unable to process financial transactions, meet payments, or gain access to their financial records.[100]

Capital One Response[edit]

Critics lambasted the bank's effort to downplay the hack while investigations were ongoing, and described the bank as more concerned about its image than the needs of its clients. Several Capital One customers stated that the first time they heard about the hack was through the media and the bank did not disclose the breach or explain its implications to affected customers.[101] On social media and in the mainstream press, Capital One's contradictory July 2019 press statement was mocked[102][103] for saying "No bank account numbers or Social Security numbers were compromised," but then listing hundreds of thousands of bank account numbers and social security numbers that were compromised.

Federal Reserve Action[edit]

On August 6, 2020, the Federal Reserve Board of Governors announced a cease and desist order against Capital One resulting from the breach.[104] The order mandated, among other things, significant improvements in Capital One's governance, risk management and compliance (GRC) practices.

Lawsuits[edit]

Lawsuits were filed against Capital One and its employees in federal[105] and circuit courts.[106]

Additional Lawsuits were filed against both Amazon and GitHub, alleging they were aware of the exploit but did not act to fix or patch the vulnerability[107]

Government investigations[edit]

Relative to other large banks, Capital One has received fewer sanctions or default judgments against it.[citation needed] But some[who?] allude this is a result of its close proximity to Washington, D.C. and possible relations with federal regulators.[citation needed] In 2015 the bank disclosed that it was under federal investigation for bank fraud, money laundering, and possible racketeering charges. No further information was given and government investigators would only confirm that it was under scrutiny for "unspecified charges".[108]

In 2018, Capital One was fined $100 million for failure to monitor, detect, and prevent money laundering.[109] Charging documents[110] specified Capital One failed to file suspicious activity reports, had deficiencies in its risk assessment, remote deposit capture and generally had weaknesses that compromised national bank security controls. The bank was the subject of a larger investigation that alleged funds were siphoned out of US jurisdiction to safe havens.

In January 2021 Capital one was fined $390 million by FINCEN for anti-money laundering control failure for a now-defunct, small portfolio of check-cashing businesses that Capital One acquired around 2008 which subsequently exited from in 2014. Capital One later admitted that it failed to file thousands of suspicious activity reports and lapsed on filing currency transaction reports on around 50,000 reportable cash transactions valued around $16 billion.[111][112]

Notable office buildings[edit]

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  91. ^"Capital One to pay $210 million in fines, consumer refunds". CNN. July 18, 2012.
  92. ^Dale, Margaret A. (August 19, 2014). "Capital One to Pay Largest TCPA Settlement on Record". The National Law Review. Proskauer Rose. ISSN 2161-3362.
  93. ^Slawe, Meredith C.; Madway, Brynne S. (August 11, 2014). "Capital One Agrees to $75 Million Telephone Consumer Protection Act (TCPA) Settlement". The National Law Review.
  94. ^ abLazarus, David (February 17, 2014). "Capital One says it can show up at cardholders' homes, workplaces". Los Angeles Times.
  95. ^Alix, Amanda (February 19, 2014). "Capital One to Customers: You Can't Hide From Us". The Motley Fool.
  96. ^"Frequently Asked Questions". Capital One. Archived from the original on July 30, 2019. Retrieved July 30, 2019.
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  99. ^https://www.cbsnews.com/news/capital-one-hacker-amazon-employee-paige-thompson/ What we know about accused Capital One hacker Paige Thompson.
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  102. ^Villas-Boas, Antonio. "Capital One was hacked and people on social media are slamming the bank's response". Business Insider. Retrieved February 28, 2020.
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  112. ^"FinCEN Announces $390,000,000 Enforcement Action Against Capital One, National Association for Violations of the Bank Secrecy Act

    Customer Service

    Personal Banking: 800.975.4722

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    Источник: https://www.us.hsbc.com/customer-service/contact-us/

    Want to contact us about Capital One Retail Bank products?

    Contact by Phone

    Customer service:
    1-800-655-BANK (2265)

    Checking, Savings, CD & IRA accounts and to report a lost or stolen ATM/Debit Card

    Automated services are available 24 hours a day, 7 days a week. Customer Service Bankers are available Sun-Sat 8am-11pm EST

    Report a lost or stolen ATM/Debit card:
    1-804-967-1000 International Phone Number

    Contact by E-mail

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    If you believe you have received a phishing email that claims to be from Capital One, forward the suspicious email to [email protected]

    Contact by Mail

    Deposits
    Checking Accounts, Savings, Money Market and CD Accounts
    Capital One Bank
    P.O. Box 150
    St Cloud, MN 56302-0150

    General Correspondence
    Capital One Bank
    P.O. Box 180
    St Cloud, MN 56302-0180

    Contact by Fax

    Written Correspondence and Documents: 1-888-464-3220

    Источник: https://www.capitalone.com

    The best high-yield savings account offered by a big bank that you can visit in person

    Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

    Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC will update as changes are made public.

    Online-only banks are known for having the best high-yield savings accounts rates, yet big-name brick-and-mortar banks still remain popular for consumers who value a personal, face-to-face experience.

    With hundreds of physical branches, Capital One may just offer the best of both worlds. The Capital One 360 Performance Savings™ comes with an Annual Percentage Yield (APY)that is competitive with online high-yield savings accounts, without having to give up in-person banking altogether.

    For an even more personal touch, customers can head to a Capital One® Café to open an account, ask questions and get financial advice — a perk that stands out among the largest banks and/or credit unions we rated.

    Below, we review the Capital One 360 Performance Savings and give you all the details of its features, including the annual percentage yield (APY), access to your cash, perks and fees so you can decide if this high-yield savings account is right for you.

    Capital One 360 Performance Savings review

    Capital One 360 Performance Savings™

    Information about the Capital One 360 Performance Savings™ has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. Capital One is a Member FDIC.
    • Annual Percentage Yield (APY)

      0.40%

    • Minimum balance

      None

    • Monthly fee

      None

    • Maximum transactions

      Up to 6 free withdrawals or transfers per statement cycle *The 6/statement cycle withdrawal limit is waived during the coronavirus outbreak under Regulation D

    • Excessive transactions fee

      You may incur a fee or your account may close

    • Overdraft fees

      $35, but overdraft coverage is available to avoid this fee

    • Offer checking account?

      Yes

    • Offer ATM card?

      Yes, if have a Capital One checking account

    See our methodology, terms apply.

    Pros

    • Strong APY
    • No minimum balance required
    • No monthly fees
    • Has physical branch locations, plus Capital One® Cafés
    • Option to add a checking account with ATM access
    • Up to 6 free withdrawals or transfers per statement cycle*
    • Has a top-rated mobile app
    • Offers mobile check deposit
    • Users can take advantage of free credit monitoring service

    Cons

    • Excessive transactions may incur a fee or your account may close
    • There is a $35 overdraft fee if you don't have coverage

    Capital One 360 Performance Savings APY

    The current APY is 0.40%. Users of the Capital One 360 Performance Savings can start earning interest right away, with no minimum balances required in their account.

    Access to your cash

    Being a big bank, Capital One offers customers the ability to visit one of its hundreds of physical branches in person for all their banking needs. Plus, the large financial institution offers nearly 40 Capital One Cafés nationwide where anyone can stop in to talk to someone about banking with Capital One or just their personal finances in general.

    Customers who open a Capital One 360 Performance Savings can transfer their money between linked Capital One accounts or external bank accounts. They can set up direct deposit and automatic transfers to grow their savings on autopilot. Like all savings accounts, withdrawals and/or transfers are limited to six per statement cycle (limit waived during the coronavirus outbreak under Regulation D).

    Using Capital One's top-rated mobile app, users can also manage their money from anywhere and deposit checks through mobile check deposit. And, if you are a Capital One credit cardholder, you can also check the app for all your card information, like your balances.

    Capital One also offers a Capital One 360 Checking with no fees and access to 40,000-plus fee-free ATMs. It ranked "best overall" on CNBC Select's list of the top no-fee checking accounts.

    Perks

    The big perk of signing up for a Capital One 360 Performance Savings is its access to in-person customer service. In addition to the bank's physical branches, its cafés allow customers and non-customers alike to speak to a Capital One ambassador about banking or get free one-on-one financial advice from a money coach over coffee. You can search to see if there's a café located near you by visiting Capital One's website.

    For those on the go, however, its mobile app makes it simple to track your spending and savings goal progress through an online account tool called My Savings Goals.

    Another plus of Capital One is its free credit monitoring service, CreditWise® from Capital One (though you don't have to have a Capital One account to use it). It ranks as the "best overall free service" on CNBC Select's list of the top credit monitoring services because users can track their credit score and receive alerts when it changes all for free.

    Fees

    In addition to having no minimum balance requirement, the Capital One 360 Performance Savings offers zero monthly maintenance fees.

    Any transfers over the six-per-month limit (which is currently waived during the pandemic) may incur a fee or your account may close.

    Bottom line

    Our methodology

    To determine which high-yield savings accounts offer the best return on your money, CNBC Select analyzed dozens of U.S. savings accounts offered by online and brick-and-mortar banks, including large credit unions. We narrowed down our ranking by only considering those savings accounts that offer an APY around 1%, no monthly maintenance fees and low (or no) minimum balance requirements.

    While the accounts we chose in this article consistently rank as having some of the highest APY rates, we also compared each savings account on a range of features, including ease of use and account accessibility, as well as factors such as insurance policies and customer reviews when available. We also considered users' deposit options and each account's compound frequency.

    All of the accounts included on this list are FDIC-insured up to $250,000. Note that the rates and fee structures for high-yield savings accounts are not guaranteed forever; they are subject to change without notice and they often fluctuate in accordance with the Fed rate. Your earnings depend on any associated fees and the balance you have in your high-yield savings account. To open an account, most banks and institutions require a deposit of new money, meaning you can't transfer money you already had in an account at that bank.

    *American Express National Bank is a Member FDIC.

    Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
    Источник: https://www.cnbc.com/select/capital-one-360-performance-savings-review/

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