Capital One 360 Checking

360 Checking is Capital One's online checking account. Capital One absorbed Discover's banking business in 2026 and discontinued the Discover Cashback Debit account, sending those customers here. The numbers start clean: a $0 monthly maintenance fee, no minimum deposit to open, and no minimum balance to keep. 360 Checking is a tiered-rate account with variable rates, and Capital One lists balance tiers of $0 to $9,999.99, $10,000 to $24,999.99, $25,000 to $49,999.99, $50,000 to $99,999.99 and $100,000 and above. The rate figures did not display on the page we read on October 14, 2026, so check Capital One's page for the current rate. The ATM network covers more than 70,000 fee-free Capital One, MoneyPass and Allpoint machines, and Capital One does not charge for out-of-network ATMs, although the ATM owner may. Early paycheck is available for customers who set up direct deposit, and the first 50 count checkbook is free. Overdrafts are handled with three options offered at no charge. Auto-Decline is the default and simply refuses transactions that would overdraw the account. Free Savings Transfer automatically pulls funds from a linked Capital One savings or money market account. No-Fee Overdraft approves the transaction and charges nothing, but it is opt-in and requires you to regularly deposit at least $250 during two of the previous three calendar months. There is no overdraft fee under any of the three. Watch the fee schedule outside those basics. Per Capital One's 360 Checking key terms sheet, revised 2/2024, an outgoing domestic wire costs up to $30 per transfer and a cashier's check is $10 in a Capital One location or $20 online with overnight shipping. This suits someone who wants a checking account with no monthly fee, a large fee-free ATM network, and overdraft options that do not charge a fee. Skip it if you want your checking balance to earn a meaningful return: the account pays a tiered, variable rate, so check the current figures on Capital One's page before you decide.