Start better managing your finances with an checking account. Capital One 360 is currently offerings a student checking account that offers a great 0.25% APY interest rate for a student account.
Enjoy benefits such as no monthly maintenance fees, no minimum balance required, wide ATM coverage and more. If you’re interested in a checking account with the best interest rate, read onward!
 • Enjoy $125 as a new Chase checking customer when you open a Chase College CheckingSM account and complete 10 qualifying transactions within 60 days of coupon enrollment. • $0 Monthly Service Fee while in school up to the expected graduation date provided at account opening (five years maximum) for students 17-24 years old. • Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply. • Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere. • With Zelle®, you can send and receive money with people and businesses you know and trust who have an eligible account at a participating U.S. bank. • With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly. • JPMorgan Chase Bank, N.A. Member FDIC *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee 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 you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Requirements
- No minimum opening deposit
- Ages 13 to 17 are eligible
- Parent co-owner with an active Capital One 360 deposit account
- Must agree to accept electronic delivery of all communications
The Benefits
- Interest rate of 0.25% APY
- No monthly maintenance fee
- No minimum balance required
- Wide ATM Coverage: Access to more than 39,000 fee-free Capital One and Allpoint ATMs.
- Convenient online and mobile banking
- Transfer money with Zelle: Send money to anyone with Zelle, send and receive money within minutes.
- Overdraft Options: Get options and second chances,
- Auto declining charges when you don’t have enough funds to cover the transaction,
- Linking to a Capital One 360 Savings account to cover the charges,
- Using the one business day grace period to add sufficient funds, or
- Using Capital One’s Overdraft Line of Credit. The bank will cover the overdrawn amount, you just have to pay it back with interest.
- Free 1st Set of Checks
The Fees
- Monthly Maintenance: $0
- Non-US Bank ATM (domestic): $0, plus any ATM owner fees, if any.
- NSF: $0, Capital One automatically declines NSF transactions, unless you choose otherwise.
- Overdraft: $35, per paid or returned item.
- Overdraft Protection Transfer: $0, If enrolled and when applicable, interest charges will apply.
- Paper Statement: $5, Per monthly billing cycle
- Replacement Card: $25 per expedited card
Bottom Line
Considering that Capital One has less overhead without physical branches, they pass the savings onto their customers by offering higher interest rates, no monthly fees and better service.
Most student checking accounts offer no interests rate, but if you’re interested in earning some extra money just for putting it in one account, check out Capital One 360. Enjoy low fees, wide ATM coverage, available interest rate and more. Check out our other Best Student Checking Accounts, here on HMB!
 | BMO Bank Checking: Open a new BMO Smart Money Checking Account and get a $400 cash bonus* when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days. Learn More---BMO Checking Review *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC. $4,000 in qualifying direct deposits within 90 days of account opening. |
 | Chase Ink Business Unlimited® Credit Card: New cardholders can enjoy a welcome offer of $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Click here to learn how to apply--- Review |
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