Capital One · U.S. checking accounts
Capital One 360 Checking®
Interest-bearing checking for U.S. citizens and lawful permanent residents with a qualifying U.S. address and SSN or ITIN. No monthly maintenance fee or minimum opening deposit.
Pros & Cons
Pros
- No monthly maintenance fee or advertised minimum opening deposit.
- Access participating Capital One, MoneyPass and Allpoint ATMs without a Capital One fee.
- No Capital One overdraft fees; coverage options have separate enrollment and eligibility conditions.
- Debit card, mobile banking and eligible Zelle transfers.
- Earns 0.10% APY on all balance tiers; variable rate, effective Oct 31, 2026.
Cons
- Available only to U.S. citizens or lawful permanent residents; temporary visa status alone does not qualify.
- An SSN or ITIN, qualifying U.S. physical address and U.S.-based mobile number are required.
- Outgoing domestic wire transfers cost $30.
- No-fee overdraft coverage is discretionary and requires qualifying deposits and enrollment.
Generated from the provider's published terms and reviewed against official sources.
Costs and key facts
| Recurring fee | 0 USD |
| Minimum opening deposit | 0 USD |
| SSN requirement | Conditional |
| ITIN accepted | Accepted |
| Credit check | NotStated |
Fee waiver: Not applicable: $0 monthly maintenance fee with no direct-deposit or minimum-balance requirement to waive it. Optional services such as outgoing wires, cashier’s checks and additional checkbooks can incur charges.
Eligibility and application requirements
U.S. address: Required
Residency and other conditions: Applicants must be 18 or older, U.S. citizens or lawful permanent residents, with a physical address in the 50 U.S. states or Washington, D.C., or an APO/FPO military address. A valid SSN or ITIN, U.S.-based mobile number, email, electronic-delivery consent and linked account at a U.S.-chartered bank are required. Temporary visa status alone does not meet the stated eligibility requirement. Opening is subject to verification; confirm the required funding deadline with Capital One.
Geographic restrictions: Qualifying physical addresses are in the 50 U.S. states or Washington, D.C.; APO/FPO military addresses are also accepted. Full-service branches and cafés offer different services and are not available everywhere.
Product review: 31 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.
Compare u.s. checking accounts requirements and costs · How we assess published requirements
Service fees
| Overdraft / returned item | 0 (currency not confirmed) |
| Outgoing domestic wire | 30 (currency not confirmed) |
| Incoming wire | 0 (currency not confirmed) |
| Outgoing instant transfer | Not confirmed |
| Incoming instant transfer | Not confirmed |
| Global remittance | Not confirmed · Capital One does not charge 360 Checking an incoming wire fee, including eligible incoming international wires; other banks may impose charges. Incoming international wires may take 3-5 business days; confirm currency and receiving instructions before sending. Online outgoing wires are domestic only and cost $30. Generic issuer guidance offers international wires through branches only for eligible account types; eligibility and pricing for 360 Checking international outgoing wires are not explicitly confirmed, so call Capital One first. Online domestic-wire daily limits are $50,000 to a person/non-title company, $500,000 to a title company, and no published dollar cap to an external linked account, which must have been on file for at least 30 days. Online cutoff is 2 p.m. ET on business days; later requests generally arrive next business day. A foreign check is a collection item, can take 4-6 weeks or longer, and may be reduced by paying-bank fees. Sources: https://www.capitalone.com/help-center/checking-savings/send-receive-wire-transfer/ ; https://www.capitalone.com/help-center/checking-savings/wire-transfer-support/ ; official 360 Checking disclosures. |
| Allpoint ATM | 0 (currency not confirmed) |
| Other ATMs | No Capital One charge for using Capital One, MoneyPass or Allpoint ATMs, or for out-of-network ATM use. Other ATM owners may charge fees, including abroad. Capital One does not charge additional foreign-transaction fees for 360 Checking; merchant/ATM currency-conversion costs can still apply. Cash deposits are supported at Capital One branches/ATMs and select Allpoint ATMs, not MoneyPass ATMs. Check deposits are supported at Capital One ATMs/branches, not Allpoint or MoneyPass ATMs. Cardless withdrawals require an eligible account and the mobile app, and may not be available immediately for new accounts. Sources: https://www.capitalone.com/bank/atm/ ; official product disclosures. |
| Cash deposit | Add Cash in Store is free for eligible 360 Checking accounts at participating Walgreens, Duane Reade, CVS, Kroger-family and 7-Eleven stores; CVS locations inside Target are excluded. Use the live Capital One mobile-app barcode; it expires after 30 minutes and a screenshot is not accepted. Minimum $1, maximum $999 per transaction, $1,500 per day, $5,000 per month and 10 transactions per month per eligible account. Some stores/locations have different limits or restrictions, and certain 7-Eleven/Stripes/Speedway ZIP codes are excluded. Photo ID may be required. No check deposits through this retail service. Cash can also be deposited at Capital One branches/ATMs and select Allpoint ATMs. Source: https://www.capitalone.com/bank/add-cash-in-store/ ; https://www.capitalone.com/bank/atm/ . |
Evidence and official terms
This information is educational and does not guarantee eligibility or approval. The provider makes the final decision.