The cafes also offer food and drinks, available for purchase by anyone.
#Capital one 360 android
The bank’s web interface and mobile app also earn high marks in Android and iOS app stores, and mobile customers can send and receive money using Zelle through the Capital One app.Ĭapital One has around 300 branch locations in select states for in-person banking, and it operates more than 50 Capital One Cafes, where customers can open accounts, deposit cash and checks, and socialize. to launch a skill for Amazon’s Alexa so that customers can voice commands to search for information, such as bank account balances. Capital One was the first bank in the U.S. What to do when you lose your 401(k) matchĬapital One has fewer branches than some of its competitors, but it does offer cutting-edge digital bank features. Should you accept an early retirement offer? Both banks offer similar rates so it could ultimately come down to how much you have to open a CD.How much should you contribute to your 401(k)? , you'll earn 1% cash back on up to $3,000 of debit card purchases each month.įor CDs, it'll be a toss-up between Discover Bank and Capital One. You also might like Discover if you're looking for a rewards checking account. Discoverĭiscover Bank requires at least $2,500 to open a money market account and Capital One 360 doesn't have one. Capital One has physical locations in some states and a bigger ATM network. Capital One offers more ways to access your account. If you're looking to open a checking account, Capital One might be more appealing. Ally and Capital One have a similar structure to their savings accounts. AllyĪlly will be the strongest option if you'd like to open a money market account, because Capital One 360 doesn't have one.įor savings accounts, it could be a close toss-up between the two banks. The OCC said Capital One's security was inefficient at the time. Capital One paid $80 million after the Office of the Comptroller of the Currency stated that the bank was partially responsible for a 2019 data breach in which a hacker accessed over 100 million credit card applications. The company does have a recent controversy, though. A good BBB rating signifies a company responds effectively to customer complaints, has honest advertising practices, and is transparent in how it handles business. Capital One 360 has an A- rating because it's received a high volume of customer complaints on the BBB website. The Better Business Bureau rates businesses by how they deal with customer issues and handle transparency. Capital One 360 trustworthiness and BBB rating Your Capital One bank account is FDIC insured for up to $250,000, or up to $500,000 for a joint account. The bank doesn't charge a fee if you use an out-of-network ATM, but it doesn't reimburse any out-of-network fees charged by an ATM provider.
ET.īetween Capital One ATMs and partner ATMs, you have access to over 70,000 ATMs nationwide. If you want to speak with an agent on the phone, you can call between 8 a.m. Once you set up an online account, you can chat 24/7 with a live customer service representative. You can have a hybrid in-person/online banking experience if you live near a branch or Café, or you can bank completely online with Capital One 360.Ĭapital One's website is easy to navigate, and its mobile app has received 4.9 out of 5 stars in the Apple store and 4.6 out of 5 stars in the Google Play store. It also has dozens of Capital One Cafés, where you can grab Peet's Coffee®, speak with a money coach, and open a bank account.Ĭapital One 360 is Capital One's online operation. How Capital One 360 worksĬapital One has hundreds of branch locations across Louisiana, Maryland, New Jersey, New York, Texas, Virginia, as well as Washington DC. For example, you can't open a no-penalty CD or jumbo CD with Capital One. Capital One does set itself apart by not requiring an initial deposit to open a CD - most banks ask for at least $500.Ĭapital One doesn't offer as many types of CDs as some banks do. Read Our Review A looong arrow, pointing rightĬapital One 360 CD come with term lengths ranging from six months to five years.
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