Capital One 360 Checking Review

 

Capital One 360 Checking Review

Capital one checking account is one that's backed by the capital one brand which has been around for 27 years and has 425 billion dollars in assets which means that they are very well established bank that is not going anywhere anytime soon and for that reason you can trust that 

You banking with them is something you'll be able to do for the long haul if you choose to also you need to know one of my favorite things is that this checking account is a no fee checking account which means there's no fees for opening the checking account for keeping it open or for just using 

The checking account that's something that is not the case with a lot of the big banks out there and it's just something that you're gonna have that perk when it comes to this checking account but maybe not some of the other big banks that are out there right now 

If you're looking for a checking account that has multiple options when it comes to fee free atms well this one has 70 000 fee free atms which is going to enable you to go many different locations and be able to access your money and get some of that money out of that atm so if that's of interest to you 

That's a big perk as mentioned before this is a very well established bank which also can sometimes lead to an older way of thinking or maybe an older way of doing things and that could mean that the online experience could be less than something of a new startup bank 

However with the capital one 360 checking account it's actually one that the experience through their mobile app is actually a very clean and innovative app that you're able to utilize to be able to do things like direct deposit simply by taking a picture of that and depositing that money into your account 

Without actually ever needing to go into a bank it's also something that you're able to set up notifications so that you're able to keep track of all of the times when you've spent money or how much money is in your account all these kinds of things you're able to set up very specific notifications for what you want to get notified about if you're enjoying

It's also something that with this checking account you can actually lock your debit card and so if you unfortunately have lost your debit card you're able to go ahead and hit that lock button on there and then you simply by doing so no one's able to access your funds from your checking account 

If they were to find your card and want to utilize it for themselves now further some account benefits that come with a lot of checking accounts but it's worth noting that it does come with a capital one checking account as well so you can bank securely through fdic insured banking as well 

As fraud coverage on this checking account you're also going to have overdraft options you're going to be able to get paid up to two days early if you set up direct deposit with them and you can get help in person from one of their branches you can add cash in store at any cvs location and 

You can also easily move money through zell now when it comes to the overdraft options they do give you three different main options first is auto decline which means they're generally going to decline transactions that cause overdrafts on your account also free transfer which means you can automatically

Transfer funds from your savings or money market account to cover a transaction and then also no fee overdraft which means no fee on approved transactions that put your balance below zero dollars those are a couple ways that you're able to protect your account and utilize their overdraft options that 

They have if you'd like to utilize zell that's just when you're transferring money from one checking account to a checking account with a different institution let's say bank of america as long as your bank of america checking account has zell set up then you're able to transfer money easily from 

One to the other so who is this checking account right for it really comes down to three things one is are you looking for a checking account that is going to have a very solid base because it has billions of dollars in assets behind it well then this is gonna be the right checking account for 

You when it's gonna have that security of being a big bank also if you're looking for a checking account that has an easy to use up to date not made in 2000 app on your phone to be able to keep track of all of your transactions

 Have any sort of notifications come up this would be a good fit for you as well now it wouldn't be a good fit for you if you're looking for having an actual physical location near you capital one does not have as many location 

Physical locations as some of the other big banks and so they may not have a physical location near you and so that may be a drawback of this checking account now.

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