Available nationwide, Capital One 360 is offering a 1.00% APY Rate with their 360 Checking account. You’ll want to keep in mind that this competitive rate is only applied to balances of $100,000 or more. Capital One describes its 360 Checking account as fee-free- there are no monthly or overdraft fees. You will also have access to 38,000 fee-free ATMs. This great account even allows you to deposit checks, pay bills, and transfer money with your phone or computer!
Capital One 360 Checking Account Info:
- Sign Up Offer
- Account Type: 360 Checking
- Rate: 1.00%
- Minimum Balance: $100,000
- Maximum Balance: None
- Availability: Nationwide
- Expiration Date: None
- Credit Inquiry: Soft pull
- Opening Deposit: $250
- Credit Card Funding: Unknown. Let us know.
- Direct Deposit Requirement: None
- Additional Requirements: See below for details
- Monthly Fee: None
- Early Termination Fee: None
- Insured: FDIC
ACH Capabilities & Limits:
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | ? | ? | |
| Pull | ? | ? | ? |
Editor’s Note: Help us with the table above in the comment section if you have experience with ACH capabilities.
How to Earn Capital One 360 Rates:
- Open a 360 Checking Account from Capital One 360 with an opening deposit of $5,000.
- Input your info – Provide your name, address, phone, email and social security number or Tax ID.
- Fund the account – Transfer funds electronically from an internal account here or an external account at another bank.
- Earn 0.20% APY for balances under $49,999.
- Earn 0.75% APY for balances between $50,000 – $99,999.
- Earn 1.00% APY for balances $100,000 and over.
Why You Should Sign Up for this Account:
- Receive a MasterCard Debit Card for your transactions.
- No fees- You never have to worry about a monthly fee or overdraft fee no matter what happens.
- Thousands of free ATMs- You will have access to 38,000 fee-free Allpoint ATMs and 2,000 Capital One ATMs
- Accessibility – You can deposit funds into your 360 account through the Checkmate, the bank’s app that allows you to upload pictures of checks from your phone or computer. You can also make a deposit by mail.
- FDIC coverage – Your funds will be FDIC insured up to the maximum amount of $250,000.
Bottom Line:
Check out this offer from Capital One 360. If you deposit $100,000 or more into a 360 Checking Account, you can earn interest at 1.00% APY. Enjoy this competitive rate alongside great features like no monthly fees, no overdraft fees, access to 39,000 ATMs, and the ability to bank and manage funds with your phone. Those of you looking for an easy to manage checking account should check out this 360 Checking account! Take a look at more of the best bank rates from the full HMB list!
 The Ink Business Preferred® Credit Card offers 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. This card does come with a $95 annual fee but does not have any foreign transaction fees. |
