Скачать или смотреть Capital One 360 Checking and Savings Accounts Review

There are a lot of benefits of having a Capital One 360 Checking Account and Capital One 360 Performance Savings Account.

There is no minimum balance and no monthly or maintenance fees. It is good for those who have no excess of money.
You can earn 0.1% interest on any balance - that is better than Bank Of America or Chase.
Capital One offers you your first check book for free. It is very nice.

After you open the Capital One 360 Checking account you will receive a MasterCard Debit Card.
This card allows you to access your Capital One account through 40 thousand ATMs without fees.
You can also use the card to make purchases everywhere MasterCard is accepted.
Total purchases and withdrawals are limited to $5,000 per day.

Capital One also offers a few overdraft options:
Transactions that exceed your balance will be declined automatically.
I think this is a useful option that should be enabled by default.

You can choose another option. Money can be transferred from your savings account.
This is probably the best option for responsible people.

An overdraft line of credit - in this case, you will have to pay interest.
Line of Credit will require a credit score check to determine interest.
Usually, it is somewhere close to 12%.
I hope you are smart enough not to use it without very-very important reasons.
Another option is the next day's grace period.
You may have one day to pay off the overdrawn amount to avoid a $35 fee.

Capital One also has a 360 Performance Savings account.
It is a high-interest savings account. As of today, the interest is 0.5%.
but it may go up and down at any time.

Capital One has an excellent mobile app. The rating of the mobile application on Google Play is almost full of 5 stars. Most big banks these days have excellent mobile apps.
You can use the mobile App to make a mobile deposit without going to the branch or ATM.
Just take a picture of the check you received.
Use a dark background so that the App will recognize the check.

Having an account with Capital One may increase your chances to be approved for Capital One Credit Cards!