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Capital One
Capital One 360 is the strongest hybrid bank in this group: 360 Checking and 360 Performance Savings have no monthly fees or minimums, checking offers no-fee overdraft options, and customers get 70,000+ fee-free ATMs plus selected cash-deposit ATMs, branches, and Cafés. The savings APY is variable and competitive but not always the market leader, and physical service remains concentrated in selected regions.
What to know about Capital One
Capital One 360 is the strongest hybrid bank in this group: 360 Checking and 360 Performance Savings have no monthly fees or minimums, checking offers no-fee overdraft options, and customers get 70,000+ fee-free ATMs plus selected cash-deposit ATMs, branches, and Cafés. The savings APY is variable and competitive but not always the market leader, and physical service remains concentrated in selected regions.
Pros
- No monthly fees or minimums on 360 Checking and Performance Savings
- 70,000+ fee-free ATMs with selected cash-deposit locations
- Strong app plus regional branches and Cafés
Cons
- Branches and full-service locations are regionally concentrated
- Variable savings APY may not lead the market
- Capital One and Discover deposits now share FDIC limits by ownership category
Scoring breakdown
- Fees4.8/5
- APY4.3/5
- Digital Experience4.7/5
- Access & ATM Network4.8/5
- Customer Service4.3/5
Verified product facts
- Monthly Fee
- $0 monthly fee and $0 minimum balance on 360 Checking and 360 Performance Savings
- APY
- One variable APY on all 360 Performance Savings balances; verify the live rate before opening
- Deposit Insurance
- Capital One and Discover deposits are combined at Capital One, N.A. by ownership category for current FDIC coverage
Where Capital One ranks
Every DollarScout ranking that includes Capital One.
Capital One reviews
Capital One comparisons
Head-to-head matchups featuring Capital One.
Fact-checked July 18, 2026. Sources: Capital One bank account overview, Capital One 360 Performance Savings product page, Capital One 360 Checking May 2026 disclosure, Capital One ATM withdrawals and cash-deposit help, Capital One savings comparison and post-merger FDIC disclosure, Capital One 360 Performance Savings features and support hours, Discover and Capital One deposit merger FAQ.