Capital One is a Virginia-based credit card company founded in 1994. Over the years, Capital One has expanded its offerings to include a full suite of financial products and services for consumers and businesses, including savings accounts, checking accounts, credit cards, and more. Capital One also gives customers access to an extensive library of educational resources and credit tools.
Capital One began as a credit card company and, as such, it offers a host of credit card options for all different types of consumers. Its product list includes low introductory rate cards, annual fee-free cards, student cards, small business credit cards, travel cards, dining and entertainment rewards cards, cash-back cards, and cards for those who want to build credit.
The Capital One 360 checking account is a basic fee-free checking account that doesn’t require any minimum balance to open or keep open. Account holders can deposit checks via mobile app, track their spending, lock or unlock their debit card, and more. This is an interest-earning checking account, with balances earning an annual percentage yield (APY) of 0.10%. This account also comes with the added perk of an early paycheck for customers who sign up for direct deposit into their Capital One account.
