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 cafes for in-person support.
If you're looking for bank promotions, you must check out these offers.
$1,500
Personal Savings Account - $1,500 Bonus
Open a new 360 Performance Savings account. Use promo code BONUS1500 at account opening. Deposit at least $100,000 of external funds within 15 days of account opening. Maintain at least $100,000 in the account for 90 days more after the initial 15 days after account opening.
- When Do You Get It: Within 60 days after meeting all the requirements.
- Who Can Qualify: Customers who have not had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account on or after January 1, 2022.
- Where to Open: Online
$750
Personal Savings Account - $750 Bonus
Open a new 360 Performance Savings account. Use promo code BONUS1500 at account opening. Deposit at least $50,000 of external funds within 15 days of account opening. Maintain at least $50,000 in the account for 90 days more after the initial 15 days after account opening.
- When Do You Get It: Within 60 days after meeting all the requirements.
- Who Can Qualify: Customers who have not had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account on or after January 1, 2022.
- Where to Open: Online
$300
Personal Savings Account - $300 Bonus
Open a new 360 Performance Savings account. Use promo code BONUS1500 at account opening. Deposit at least $20,000 of external funds within 15 days of account opening. Maintain at least $20,000 in the account for 90 days more after the initial 15 days after account opening.
- When Do You Get It: Within 60 days after meeting all the requirements.
- Who Can Qualify: Customers who have not had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account on or after January 1, 2022.
- Where to Open: Online
Compare Savings Promotions:
$250
Personal Checking Account - $250 Bonus
Open a new 360 Checking account. Use promo code CHECKING250 at account opening. Set up and receive 2 qualifying direct deposits of $500 or more each within 75 days of account opening.
$250
Personal Checking Account - $250 Bonus
Open a new 360 Checking account. Use promo code REWARD250 at account opening. Set up and receive 2 qualifying direct deposits of $500 or more within 75 days of account opening.
4.25%
360 Performance Savings - 4.25% APY
- 4.25% APY
- $0 opening minimum
- No monthly service fee
- No minimum balance requirement
- Minimum Deposit Required: $0
- Monthly Fee: $0
Compare Savings Promotions:
360 Checking Account
- $0 opening minimum
- No monthly service fee
- No minimum balance requirement
- 0.10% APY
- 40,000+ Allpoint ATMs
- Minimum Deposit Required: $0
- Monthly Fee: $0
Capital One 360 CDs
| CD Term | APY |
|---|---|
| 6 Months | 4.25% |
| 9 Months | 4.25% |
| 11 Months | 4.40% |
| 12 Months | 4.25% |
| 18 Months | 4.00% |
| 24 Months | 3.80% |
| 30 Months | 3.80% |
| 36 Months | 3.70% |
| 48 Months | 3.65% |
| 60 Months | 3.60% |
Basic Business Checking
- Unlimited free transactions each month
- $5,000 in free cash deposits each month
- Waive the $15 monthly service fee by maintaining a prior 30- or 90-day average balance of $2,000 or more
- Minimum Deposit to Open: $0
- Monthly Fee: $15 (can be waived)
Compare Business Promotions:
MONEY Teen Checking Account
- No monthly service fee
- No minimum balance
- Free debit card for kids
- Parental controls
- Minimum Deposit to Open: $0
- Monthly Fee: $0
Online CDs
- Up to 4.40% APY
- Up to 5 years
- $0 minimum opening deposit
- Daily Compounding Interest
- FDIC Insured
Compare Promotions
High-Yield Savings Premier - 5.31% APY
- No account activity or maintenance fees
- $500 minimum opening deposit
- FDIC insured
5.31% annual percentage yield (APY) is accurate as of 7/11/2024 and subject to change at the Bank's discretion. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.Member FDIC
- Minimum Deposit to Open: $500
- Monthly Fee: $0
Member FDIC
BMO Checking Accounts - Earn up to $600
Expires 10/31/2024
Earn up to $600 with qualifying activities. Conditions Apply. BMO Bank N.A. Member FDIC
Get either a $250 or $500 cash bonus when you open a new checking account and complete qualifying activities between 9/10/24 and 10/31/24. Plus, get a $100 digital gift card when you meet with a BMO banker to discuss your financial priorities after opening your account online. Combine the cash bonus and the gift card to maximize your rewards.
Member FDIC
Chase Total Checking® - $300 Bonus
Expires 10/16/2024
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Minimum Deposit to Open: $0
- Direct Deposit Required: Yes
- Minimum Deposit Required: None
- When Do You Get It: Within 15 days after meeting requirements
- Monthly Fee: $12 or $0 with one of the following, each monthly statement period:
- Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
- OR a balance at the beginning of each day of $1,500 or more in this account,
- OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
Member FDIC
Discover® Online Savings - $200 Cash Bonus
Expires 3/13/2025
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
Member FDIC
Bank of America Advantage Banking - $200 Bonus Offer
Expires 9/30/2024
- The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 9/30/2024.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- Bank of America, N.A. Member FDIC.
Capital One Trending Offers
| Last hour | 360 Performance Savings - 4.25% APY selected by a visitor from Missouri |
| 3 hours ago | Personal Savings Account - $1,500 Bonus selected by a visitor from Tennessee |
| 4 hours ago | Personal Savings Account - $300 Bonus selected by a visitor from California |
| 5 hours ago | Personal Checking Account - $250 Bonus selected by a visitor from Florida |
| 11 hours ago | Personal Checking Account - $250 Bonus selected by a visitor from Oregon |
Capital One Offers You May Have Missed
Don't miss another hot deal. Check back often at CreditDonkey.
$25
Capital One 360 Checking - $25 Refer a Friend Offer
Get $25 when you open an account with an initial deposit of at least $250 AND do one of the following: make 3 debit card purchases or Zelle payments within 45 days of account opening. The $25 bonus will be deposited into your account on Day 50. Only available for new Capital One 360 customers using the unique link sent from their friend. Terms apply.
Expired 5/20/2020
$400
Personal Checking Account - $400 Bonus
Open a qualifying 360 Checking account using promo code BONUS400. Receive at least 2 direct deposits totaling $1,000 or more within 60 days of account opening.
Expired 1/26/2021
$25
Capital One 360 Savings - $25 Refer a Friend Offer
Get $25 when you open an account with an initial deposit of at least $250-9,999.99. The $25 bonus will be automatically deposited into your account. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers using the unique link sent from their friend. Terms apply.
Expired 5/20/2020
Compare Savings Promotions:
$100
Capital One 360 Savings - $100 Refer a Friend Offer
Get $100 when you open an account with an initial deposit of at least $10,000. The $100 bonus will be automatically deposited into your account. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers using the unique link sent from their friend. Terms apply.
Expired 5/20/2020
$250
Personal Checking Account - Up to $250 Bonus
Open a new 360 Checking account using promo code UPTO250. Make the qualifying spending requirement using your debit card within 90 days of account opening.
| Spend Requirement | Cash Bonus |
|---|---|
| $1,500+ | $250 |
| $500.01-$1,500 | $150 |
Expired 1/26/2021
$250
Personal Checking Account - $250 Bonus
Open a qualifying 360 Checking account using UPTO250. Spend $1,500.00 or more using your Capital One debit card within 90 days of account opening.
Expired 1/26/2021
Compare Checking Promotions:
$150
Personal Checking Account - $150 Bonus
Open a qualifying 360 Checking account using UPTO250. Spend $500.01–$1,500.00 using your Capital One debit card within 90 days of account opening.
Expired 1/26/2021
$25
Capital One 360 Money Market - $25
Get $25 if you make an initial deposit of $250 - $9,999.99. The bonus will be automatically deposited into your account upon opening. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers.
Expired 9/19/2019
$100
Capital One 360 Money Market - $100
Get $100 if you make an initial deposit of $10,000 or more. The bonus will be automatically deposited into your account upon opening. The bonus will start earning interest right away, but you cannot withdraw for 30 days. Only available for new Capital One 360 customers.
Expired 9/19/2019
Compare Money Market Promotions:
$1,500
Personal Savings Account - $1,500 Bonus
Open a new 360 Performance Savings account. Use promo code FALL23 at account opening. Deposit at least $100,000 of external funds within 15 days of account opening. Maintain at least $100,000 in the account for 90 days more after the initial 15 days after account opening.
Expired 1/9/2024
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 Locations: Find a Capital One Cafe, branch and ATM near you using the Capital One location finder.
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.
Highlights
Savings
4.25% APY
Compare: Capital One vs Discover Bank
CD
3.60% to 4.40% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.25%
Read: 13 Month CD Rates
Compare: Capital One vs Ally Bank
ATMs
over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer Service
Mon-Sun: 8am - 11pm (ET)
Locations
273 branches
Pricing information from published website as of 08/19/2024.
Member FDIC | ||
| Learn More | Visit Site | |
Capital One | Chase | |
|---|---|---|
Benefits and Features | ||
| Savings |
| |
| CD | 3.60% to 4.40% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.25% | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
| Checking |
| |
| Mobile App | ||
| ATMs | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs | |
| Customer Service | Automated service available 24 hours a day, 7 days a week | |
| Locations | ||
| Learn More | Visit 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 08/19/2024. Chase: Pricing information and data points from published website as of 09/14/2024. | ||
1-Year CD - 4.25% APY
6-Month CD - 4.25% APY
9-Month CD - 4.25% APY
18-Month CD - 4.00% APY
30-Month CD - 4.00% APY
2-Year CD - 3.80% APY
3-Year CD - 3.70% APY
48-Month CD - 3.65% APY
5-Year CD - 3.60% APY
Business Savings
- Up to 4.10% promotional interest rate guaranteed for the first 6 months
- $250 minimum opening deposit
- $3 monthly service fee, waived with $300 average daily balance
Capital One Alternatives
Member FDIC
Chase Secure Banking℠ - $100 Bonus
Expires 10/16/2024
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
- Minimum Deposit Required: None
- When Do You Get It: Within 15 days after completing qualifying activities
- Monthly Fee: $4.95 or $0; Avoid the monthly service fee when you have electronic deposits made into the account totaling $250 or more during each monthly statement period.
Member FDIC
Discover® Online Savings - $150 Cash Bonus
Expires 3/13/2025
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
Member FDIC
Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer
Expires 12/31/2024
- The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2024.
- To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30)days of account opening.
- Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts orMerrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Member FDIC
CIT Bank Platinum Savings - 4.85% APY
- 4.85% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Minimum Deposit to Open: $100
- Direct Deposit Required: No
- Monthly Fee: $0
Free Business Checking - Up to 2.0% APY
- 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC
- Minimum Deposit to Open: $0
- Monthly Fee: $0
Articles on Capital One
Capital One 360 Review
Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.
Capital One Money Teen Checking Account Review
Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.
Capital One Savings Account Bonus
Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.
Capital One CD Rates
Interested in Capital One 360 CDs? Here are their rates and how to open one.
Capital One High Yield Savings
Want to grow your funds passively? Capital One offers a high-yield savings account with a solid APY and easy accessibility. Read on to find out more.
Capital One Checking Account Bonus
Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.
Capital One Bank Hours
Capital One Bank is open 6 days a week. Take a look at their operating hours.
Capital One Routing Number
What is the routing number for Capital One? Find the right one for your account with our guide.
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More Bank Promotions
Member FDIC
Chase Coupon
Chase Bank $300 Bonus
Member FDIC
Discover Bank
Discover® Online Savings - $200 Cash Bonus
Member FDIC
Bank of America Promotions
Bank of America Advantage Banking - $200 Bonus Offer
Wells Fargo Promotions
Personal Checking Account - $2,500 Bonus
Ally Bank Promotions
Online Savings Account - 4.20% APY
TD Bank Promotions
TD $300 Beyond Checking Bonus
Citibank Promotions
Checking with Enhanced Direct Deposit - $300 Cash Bonus
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