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THRYV News

Independent reviews, guides and reporting.

Capital One

Best hybrid

Capital One 360 Checking

Online account with physical cafés and branches behind it.

By THRYV News Desk · Prices for market US, in the currency of each offer — never converted.

Manufacturer reference: Official Capital One 360 Checking page

Studio photograph of a typical 360 Checking class product
Illustrative studio photograph of this product class — not a picture of the exact model.
8.6

The THRYV verdict

Best for Anyone who wants online banking but occasional counter service.. Scores are THRYV's own weighting. How we score.

What we liked

  • No monthly fee or minimum balance
  • Branches and cafés in several states
  • Mature mobile app

What we didn't

  • Branch coverage is regional
  • Out-of-network ATM fees not reimbursed
Specifications
SpecificationValue
BranchesRegional branches and cafés
OverdraftChoice of decline, auto-decline or linked transfer
ATM accessCapital One and Allpoint ATMs
Monthly fee$0
Deposit protectionFDIC insured to $250,000 per depositor

Any amount in this specification table is the manufacturer’s published list price at the time of writing, not a checked live offer. Checked offers, if we have any, appear in the price table below.

Prices

No checked offers for this product yet.

No monthly fee

This is the manufacturer list price — no retailer offer has been verified for it. Checked offers show the retailer and the time we last confirmed the price.

Price history

Price history is being recorded daily from now on — the first chart appears in a few days. We show a trend line only once there are at least 7 days of real measurements; nothing here is estimated or back-filled.

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