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 $100 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. • No Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old. • Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security number or who are 17-year-olds can only open an account at a branch. • Keep track of your money in the Chase Mobile® app. The app helps you manage your money. • Zelle® is available in more than 1,000 banking apps in the U.S. So you can send and receive money from almost anyone you know and trust who has a bank account in the U.S. • Access to more than 15,000 Chase ATMs and more than 4,700 branches. • JPMorgan Chase Bank, N.A. Member FDIC • Chase Overdraft AssistSM – no 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 bring your account balance to overdrawn by $50 or less at the end of the next business day* *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!
U.S. Bank Smartly® Checking: Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC. Apply Now---U.S. Bank Checking Review | |
BMO Relationship Checking: Earn $400 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days. Learn More---BMO Relationship Checking Review |
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Truist Checking: Earn $400 cash bonus when you receive at least one qualifying Direct Deposit of $500 or more AND complete at least 15 qualifying debit card purchases within 90 days of account opening. Learn More---Truist Checking Review | |
Barclays Savings Account: New Barclays Savings customers can earn a $200 bonus after depositing $25,000 plus 4.35% APY for all balances. Offer ends May 3, 2024. Learn More---Barclays Savings Review |
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