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Capital One 360 Promotions

Read our in-depth review of Capital One to see why Capital One scored 4.3 stars out of 5. We like their overdraft protection options, no account minimums, and 27 capital one cafes for in-person support.

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Capital One Bank offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

Capital One 360 Promotions

Capital One frequently offers cash bonuses for new banking customers. Keep your eye out on our page for coupons. If you see one, be aware of when the offer expires and act on it quick.

Capital One promotions are available to all residents nationwide.

Capital One 360 Checking

Capital One's top-rated checking account has no balance requirements or service fees. Here are some special features:

  • Overdraft protections. Capital One offers several overdraft protection options. The Next Day Grace gives you one business day to replace the overdrawn amount before you're charged. You can also auto decline charges you don't have the funds to cover. Or you can link a savings account for a free automatic transfer of funds. Lastly, you can apply for an Overdraft Line of Credit, but you'll be charged interest until you pay back the funds.

  • First checks free. Your first set of checks are free.

  • No foreign transaction fee. There is no foreign transaction fee when you use your debit card abroad.

What to Open at Capital One

  • 360 Savings (for balances under $10,000). If you have less than $10k to save, you'll get the best interest rate with the 360 Savings account. There are no service fees or minimum balance requirements.

  • Money Market (for balances $10,000+). If you have at least $10,000 to deposit, Capital One's money market account offers the best APY with no monthly service fee.

  • 12-month CD. Capital One 360 offers one of the best APYs for a 12-month CD. There is no minimum opening deposit. If you can commit to not touching your money for longer, then you can get a slightly higher APY for a longer term CD (up to 5 years).

  • MONEY Teen Checking. This is a great checking account to teach teens money management. You and your teen will be joint account holders. Teens can make their own money decisions, and you can monitor their account online. There is no minimum deposit requirement and no service fees.

What NOT to Open at Capital One

  • Short term CDs. For CD terms less than 12 months, the interest rate isn't great. In this case, it's much better to just save your money into the Capital One 360 Savings Account.

Pricing information from published website as of 03/29/2020.

 Chase
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Capital One

Chase

 

Benefits and Features

Savings
1.50% APY
Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD0.60% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.00%Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking
0.20% APY
Chase Total Checking: Basic checking account. $12 service fee waived with an average beginning day balance of $1,500 OR direct deposits of at least $500 each month. $0 minimum balance to open.
Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Customer Service
Mon-Sun: 8am - 11pm (ET)
24/7 by phone
ATMsOver 39,000 no-fee Capital One & Allpoint ATMsOver 16,000 Chase ATMs nationwide
IRA CD0.60% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.00%. 
Locations
Online Only
Nearly 4,900 branches
 Learn MoreVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Capital One: Pricing information from published website as of 03/29/2020.

Chase: Pricing information from published website as of 7/17/2019


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CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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