Capital One 360 is a bank that wants you to succeed. That’s the idea behind the bank’s new “360” strategy, which offers customers more of what they want – Trust, Security, Expertise, and Simplicity – and helps them improve their finances and build a better future for themselves.
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Capital One 360 Bank
Together with trust, Security, Expertise, and simplicity, they make up the “360” strategy that Capital One 360 has adopted. Capital One 360’s goal is to be the best bank for people who want to succeed and build for their future. It means giving customers options that help them achieve
Features of Capital One 360 Bank
Checking Account
The Capital One 360 checking account offers unlimited check writing, a 70 000 free ATM card, online bill pay, and free online banking. In addition to free online banking, the Capital One 360 checks also have no monthly maintenance or service fees. For customers who need additional services like money orders and foreign cash withdrawals, the Capital One 360 Vault Network provides a variety of convenient products – all at an unbeatable price.
With peer-to-peer payment with Zelle, you can easily send and receive money from friends and family. You can even use Zelle to pay back that person you owe for lunch or your share of the movie ticket.
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Make deposits at CVS stores. With the CVS Customer Deposit Program, you can make deposits at any CVS store in the U.S. bring your check to a participating location, and you’ll be on your way.
Savings Accounts
Capital One 360’s savings account might be right for you if you’re looking for a place to save. You can save on any monthly maintenance or service fee. There’s no minimum balance requirement, no monthly service fees, and you can write as many checks as you’d like.
Capital One 360 gives customers the ability to cash checks free of charge at any Capital One 360 bank location around the country, as well as 0.40% APY on the 360 Savings account.
Credit Cards
The Capital One 360 VISA credit card is the number one choice of U.S. small businesses for its low and predictable costs, easy acceptance, and a variety of benefits for cardholders, including free travel insurance and purchase protection. Improved security features, added credit and account management tools, a new sign-up bonus program, travel rewards, and cash advance rates are why more small businesses are choosing to work with Capital One 360 VISA cards today.
Certificates of Deposit (CDs)
CDs are a smart way to save for short- and long-term goals. A CD allows you to take out your money at any time without facing steep bank penalties while still earning competitive interest rates on deposits. And, when comparing Capital One 360’s CD rates, you’ll find that they’re among the best.
Capital One 360’s 24-month CD is offered as a 0.70% APY (annual percentage yield) with no minimum deposit or early withdrawal penalties. Customers can earn a 0.20% APY on Capital One 360’s 12-month CD and a 0.10% APY on Capital One 360’s 6-month CD. The Capital One 360 5-year CD is a 1.00% APY (annual percentage yield). There are no penalties for early withdrawal on Capital One 360’s CDs, and all certificates have no payable/non-payable maturities.
Loans
In addition to auto loans, Capital One also offers business banking and lending, but not personal or home loans. If you’re the corporation, business, or small business owner that Capital One 360 is striving to help, they want to ensure that your needs are met. The Capital One 360 Start Program gives you the ability to take advantage of lower initial interest rates on loans and additional tools designed to help you manage your cash flow, improve your credit score and reach financial goals.
Benefits of Capital One 360 Bank
Convenient Mobile Experience
Convenience is key when it comes to managing your finances. Capital One 360 provides customers with a full range of options that help them develop smart financial habits and plan for the future. Whether getting access to money at any time of the day, free check deposits, or financial tips, you always have what you need at your fingertips.
Options for Cash Deposits and Free ATMs
Regardless of your financial goals, you can accomplish them faster if you’re saving money for your needs and enjoying the convenience of Capital One 360’s savings account. With Capital One 360, you have several ways to manage your money. You can deposit at any Capital One 360 branch with no fees and make unlimited deposits at 7-Eleven locations nationwide. The free ATM card is one more way that Capital One 360’s customers can enjoy easy access to the cash they need.
Fee-free Checking and Savings Accounts
If you’re looking for a safe place to keep your money, Capital One 360 has checking and savings accounts that are completely free with no fees and no minimum balance requirements. In addition, every Capital One 360 checking account also provides:
- Unlimited check writing.
- ATM fee refunds.
- A free debit card.
- Various other convenient features.
Customer Services
Capital One 360 has an experienced team of customer service representatives ready to help you find the right option for your unique financial situation. Whether by phone, email, or video chat, you can be assured that your questions are answered quickly.
Conclusion
Capital One 360 has been a great ally to small and large businesses and is always striving to help them reach their financial goals. Their online banking platform is easy to navigate, and their mobile app is incredibly user-friendly. Moreover, their website contains loads of useful information that will be sure to help you make the right decisions when it comes to your finances.
