For over 25 years, Capital One, one of the leading US banks, has transformed banking with data and technology via credit cards. They have 755 branches, 2,000 ATMs, and 30 café-style locations, and today, Capital One has evolved into a full-service online bank. Read on to learn how to navigate their Capital One 360 login portal.
Capital One offers a vast range of services, from competitive rates and no-fee accounts to high CD rates. Accordingly, Capital One 360 is a part of Capital One bank which is in charge of checking and savings services. This bank is greatly considered consumer-friendly; which aligns with its goal of creating an equal-chance-of-success society.
You may take care of all your financial needs with Capital One 360 online banking by following this login guide, which covers products, services, fees, and more.
How to Login to Capital One 360 Login Portal
All users must first log in to access all of the Bank Capital One website services. It will only take at most two minutes to log into your account via the following steps:
Step 1: Visit the official website of Bank Capital One via this link. A display like the following picture will appear.
Step 2: Enter your Username in the box on the left. Then, enter your password in the box on the right.
Step 3: Don’t forget to click the “Remember me” box under the “username” box. Then click “Sign In.”
Wait for the site to move you to another page.
Congratulations, you have successfully logged into your Capital One 360 online banking account.
How to Reset Your Password on Capital One 360 Login Portal
Step-by-step guide on how to reset password with screenshots.
If you have forgotten your Capital One 360 Online Banking account password and wish to reset it, you can only do so via the website. Worry not; follow this quick guide:
Step 1: Visit the official website of Bank Capital One via this link. A display like the following picture will appear.
Step 2: Click the “forgot username or password?” link instead of filling in the username and password fields.
Step 3: You will be directed to a new page with the title “First, let’s find your username.” Fill in your Last Name, Social Security Number, and Date of Birth correctly. Then click the “Find Me” button.
Step 4: The system will verify your account and direct you to a page where you can write a new password for your Capital One 360 online banking account. Then, click the “Save My Password” button.
Wait for a minute. When you’re done, you’ll receive an email from Capital One verifying your changes if they have your email address on their system.
How to Recover Your Username on Capital One 360 Login Online
If you want to recover your username or forget your username on your Capital One 360 online banking account, you can follow the same steps as if you forgot/wanted to change your password.
Step 1: Visit the official website of Bank Capital One via this link. A display like the following picture will appear.
Step 2: Click the “forgot username or password?” link instead of filling in the username and password fields.
Step 3: You will be directed to a new page with the title “First, let’s find your username.” Fill in your Last Name, Social Security Number, and Date of Birth correctly. Then click the “Find Me” button.
Step 4: The system will redirect you to a page showing your account and verifying information about you. Follow the onscreen instructions and fill in all the required fields. Then, click the “Continue” button.
When you’re done, you’ll receive an email from Capital One 360 verifying your changes if they have your email address on their system.
How to Enroll on Capital One 360
For the new customers who want to register a Capital One 360 online account, you can follow this guide carefully:
Step 1: Visit the official website of Bank Capital One 360 via this link. A display like the following picture will appear.
Step 2: Then click the “Open Account” button.
Step 3: You will be redirected to a page asking if you already have a Capital One login. Choose “No.”
Step 4: You will be directed to a page that contains a statement of what information you will fill in next. If you want to continue, click the “Continue” button.
Step 5: Fill in your identity, starting with your name. After that, click the “Continue” button.
Step 6: Fill in your email address. Then, confirm the email address you’ve written, on the box below it. After that, click the “Continue” button.
Step 7: Write down your mobile number, starting with the country code. Then, click the “Continue” button.
Step 8: Then, fill in your complete residential address. Then, click the “Continue” button.
Step 9: Select your country of citizenship. Then, click the “Continue” button.
Step 10: Select your current employment status type. Then, click the “Continue” button.
Step 11: Fill in your job title, then click the “Continue” button.
Step 12: Select the range of your annual income. Then, click the “Continue” button.
Step 13: Verify your identity by filling in your birthday and social security number. Then, click the “Continue” button.
Step 14: You will be redirected to a page containing terms and conditions. Once you’ve read them, tick them all off, then click the “Continue” button.
Step 15: Select one option on the “contact preferences” page, then click the “Continue” button.
Step 16: Read the “tax certification” page carefully while choosing your options. Check the box that says your selection is correct, then click the “Continue” button.
Step 17: On the last page, you will be asked to re-check whether the data you have previously entered is correct or not. Then, click the “Continue” button.
Step 18: A page like an image below will appear, indicating that the system verifies your data.
Step 19: When the scanning process is complete, you will be directed to a page containing your routing and account numbers. It means that your Capital One 360 Checking account has been successfully created. Scroll down to click the “Set up online access” button.
Step 20: You will be directed to the “Set up online access” page. Please create a username and password, and re-confirm the password. The username and password will be used to access your online banking account in the future. Then, click the “Continue” button.
Step 21: You will be directed to a page to download the Capital One mobile app.
Step 22: You will be directed to your account dashboard if you click the “no thanks, continue to web” link.
Congratulations, your account has been successfully opened!
Capital One 360 Type of Accounts/Services
Capital One offers various financial services, such as credit cards, checking and savings accounts, car loans, gifts, and online banking services. Here are a few of them in further explanation, including the Capital One 360 service:
Credit card
Bank Capital One provides various types of credit cards with their respective benefits. There are five types of credit cards offered by Capital One, namely:
- Credit Building
Credit Level: Fair to Rebuilding
You may raise your credit score with a Capital One credit builder card, which will make it easier for you to get credit in the future.
- Cashback Rewards
Credit Level: Excellent to Fair
Cash-back credit cards may reward regular spending on groceries, gas, dining, and entertainment, depending on the card.
- Travel Rewards
Credit Level: Excellent to Good
You might consider a travel rewards credit card if you travel frequently. When you make purchases with a travel credit card, you may earn rewards that can be redeemed in various travel-related ways.
- Student Rewards
Credit Level: Fair
A student credit card can do much more than provide a student with a line of credit. Additionally, you may appropriately utilize it to establish a credit history.
- Business Rewards
Credit Level: Excellent to Fair
It may be helpful for many different kinds of enterprises. You may use business credit cards to separate your personal and professional costs.
Checking and Savings
Capital One’s checking and savings accounts service, Capital One 360, includes several benefits in addition to bonus deals, such as no monthly fees or account minimums, access to pay-checks up to two days early, a vast ATM network, and a 50% discount on coffee purchases at the expanding network of Capital One Cafés.
Savings
Capital One’s 360 Performance Savings is a good complement to a 360 Checking account. It’s a good fit if you’ve been searching for: a bank to save your emergency fund for multiple purposes or a bank that has no minimum balance requirement and no maintenance fees. The features are:
- 360 Performance Savings
- 360 CDs
- Kids Savings Account
With Capital One 360 Savings, you can open up to 25 accounts for various financial goals. It offers a simple way for users to transfer money from Capital One savings and checking accounts. Customers can also easily access their accounts via Cap One’s website or the smartphone app.
When compared to the finest savings accounts on the market, the Capital One 360 Savings account provides a respectable 1.50% APY.
Checking
The 360 Checking account is ideal for customers who wish to keep fees to a minimum and do not necessitate a physical bank office. The features are:
- 360 Checking
- MONEY Teen Checking
When you open a new Checking account, you can get a 360 Checking MasterCard debit card and your first checkbook is free. There is no minimum starting deposit or continuing balance requirements. By opening a new checking account, you can get more than $200 incentives within a month of opening.
Mobile Banking Capabilities of Capital One
Both the App Store and Google Play Store have many positive reviews of the Capital One mobile app. As an all-inclusive mobile banking solution, it really delivers. It has several capabilities designed to make banking easier while on the move and can be used to access all of Capital One’s services on a smartphone. Examples of some of the characteristics include:
- Check-depositing through mobile
- Security for debit card locks
- CreditWise offers a free credit score
- Payment network Zelle
- Recording of rewards (credit card)
Customers of Capital One 360’s acclaimed mobile app may access their checking and savings accounts concurrently. Transferring money between Capital One 360 accounts or external accounts at another bank is made simple with the help of the app. With mobile check deposit’s liberal daily and monthly limitations, you may deposit checks whenever you want, anywhere.
With features like digital person-to-person payments enabled by Zelle and the option to link your Capital One 360 debit card to Apple Pay, Android Pay, and Samsung Pay, the app makes managing your money while on the move easier. Through the app, you may set up savings targets to monitor your progress or plan recurring transfers to build your money steadily.
Common Banking & Registration Fee of Capital One 360
The Capital One 360 Checking Account is a top-ranked checking account with no monthly maintenance fees, but that doesn’t mean it has no costs. However, total costs are low. You may use your debit card overseas without paying any additional fees as there are no international transaction fees. Capital One will not charge you for utilizing an out-of-network ATM.
You may anticipate paying $9 for a paper check that bounced, $7 or $11 for a checkbook (for amounts of 50 or 100, respectively), and $10 or $20 for a cashier’s check.
Here is the list of fees on the Capital One 360 account:
| Fees | National Average | |
| Monthly inactivity | N/A | $6 |
| Non-sufficient fund (overdraft) | $35 | $30 |
| Stop payment item | $35 | $27 |
| Domestic wire transfer (outbound) | $25 | $22 |
| Domestic wire transfer (inbound) | $15 | $10 |
| Non-Bank ATM | $0 | $1 |
Capital One 360’s Interest Rates
Here are the details about Capital One 360’s interest rates.
Savings Accounts
The 360 Performance Savings
The performance savings has an APR of 1.90%, which is higher than many online banks’ rates but not the highest one that is offered. No matter what your balance is, interest is still earned. It features no requirements for a minimum balance and no recurring monthly costs.
Kids Savings Account
This is for a parent who looks for a savings account for their kids. This account is ideal for children of all ages and has no minimum balance restrictions or monthly maintenance costs. It has an APY of 0.30%. As a custodial account, Kids Savings may be accessed by both parents and children, albeit transfers need checking in using the parent’s account. The account is automatically transformed into a 360 Savings account whenever a kid becomes 18 years old.
Checking Accounts
360 Checking
The 360 Checking checking account from Capital One 360 offers tiered interest rates and presently pays 0.10% APY on all tiers. Additionally, there are no monthly maintenance costs, no minimum balance restrictions, and free first checkbooks.
MONEY Teen Checking
Though kids ages eight and up are permitted to open one, the bank’s second checking account is targeted at teens. It does not allow check writing but does provide access to debit cards. Teenagers who reach 18 can choose to create a 360 Checking account and move their MONEY account funds into it.
Here are the lists of the rates:
| Account Name | Min Opening Deposit | Monthly Fee | APY |
| 360 Performance Savings | $0 | $0 | 1.90% |
| Kids saving | $0 | $0 | 0.30% |
| 360 Checking | $0 | $0 | 0.10% |
| MONEY Teen Checking | $0 | $0 | 0.10% |
How To Contact Capital One 360
Bank contact info such as email, phone no., branch locations, and routing numbers.
Capital One offers various methods to contact its customer service. If you enjoy making phone calls, you may call these numbers:
- 800-655-2265, for Capital One banking support in the U.S.
- 800-227-4825, for Capital One credit card products in the U.S.
- 877-442-3764, for Capital One online banking assistance
As for the international customer, you must first speak with an international operator before placing an overseas call through this number: 804-934-2001. Simply state that you are a Capital One client when prompted for a name.
For those who enjoy asking through the mail, customers may send it to:
Capital One
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28272-1083
OVERNIGHT ADDRESS
Capital One
Attn: Payment Processing
6125 Lakeview Rd
Suite 800
Charlotte, NC 28269
Customers may also use the mobile banking app to keep track of their accounts.
Other Banks of Similar Capacity in the US
Check out the following banks if you’re still looking for an online bank that meets your needs:
Alliance Bank is a financial institution that provides both physical and online services by offering highly integrated commercial, agricultural, private banking, mortgage services, and personal banking.
Citi Bank, one of the leading global banks, operates physically in more than 95 nations and handles $4 trillion in daily financial flows. It offers a variety of services, such as debit cards, credit cards, deposit accounts, loans, etc to suit the customer’s lifestyle with exclusive offers.
Royal Bank of Canada is a global financial services provider. With more than 89,000 staff globally, the bank serves more than 17 million customers with a wide variety of services, including personal and commercial banking, insurance, and trust and asset management.
To sum up, Capital One provides a comprehensive range of financial services. One of the bank’s services named Capital One 360 serves in the field of checking accounts, savings accounts, and CDs. If you’re looking for a bank with high annual percentage yield (APY), mobile banking options, and no monthly maintenance fees, then Capital One bank is the perfect fit for you.
This article has covered the details on how to use Capital One’s online banking system via the website and the explanation of some of their services. Hopefully, this article can help you to determine the best bank for you to choose and how to log in to the Capital One 360 online banking account if you have had one.
