Capital One Guide: 360 Accounts, Fees, Limits, and Contact Info (2026)

Capital One 360 combines a fee-free savings account, zero fees, and a café branch presence that no other online bank can match. No monthly fees, no minimum balance, no overdraft fees, and a variable savings rate (approximately 3.00% APY as of September 2026 — confirm current rate) make it a strong all-in-one banking option in 2026.

Capital One 360 Account Options

Capital One’s legacy 360 Money Market account is no longer open to new customers as of 2026. The Capital One 360 Review covers each currently available account in full depth — including how the savings rate compares to other online accounts and who each product is best suited for.

Capital One Fees

Capital One’s fee structure is one of the simplest in banking: essentially zero for 360 accounts.

Capital One does not charge a monthly maintenance fee, minimum balance fee, or overdraft fee — when your balance is insufficient, transactions are declined rather than paid with a penalty. The Capital One fees guide covers the complete schedule, including wire transfer costs and the rare charges that do apply. For fee comparisons against other specific banks, see each bank’s individual fees page rather than relying on numbers that can go stale — bank fee schedules change.

Capital One Minimum Balance Requirements

There are no minimum balance requirements of any kind for Capital One 360 accounts — this is one of the most significant differentiators from traditional banks. The Capital One minimum balance guide explains the full picture.

Capital One Transaction Limits

Understanding Capital One’s daily and monthly limits is important before you rely on any transfer method for a time-sensitive payment. Capital One states that several of these limits are set using confidential fraud and risk criteria and can vary by account — the figures below are standard/typical limits; always confirm your specific limit in the app.

ATM Limits

Per Capital One’s own 360 Checking account disclosures, Capital One ATM withdrawals share a combined $5,000-per-day limit with debit card purchases — not a separate $1,000 cash-only cap. Cardless ATM access through the mobile app has its own, lower limit of $500/day and $2,000/month. Capital One does not charge a fee at non-network ATMs, though the ATM owner may charge a surcharge. The 70,000+ fee-free ATMs span the Allpoint and MoneyPass networks — one of the largest networks among online banks.

Mobile Deposit Limits

The Capital One mobile deposit limit is $5,000 per day and $10,000 per month for standard accounts. New accounts may have lower limits during the first 30–90 days. Deposits submitted before the daily cutoff time are typically available the next business day, with the first $225 available same day per Regulation CC.

Transfer Limits

The Capital One transfer limit guide covers Zelle, ACH external transfers, and wire transfers. Capital One does not publish a single fixed Zelle limit — it states limits “may change over time” based on account risk factors, and the exact figure is shown in the app. ACH external transfer limits are typically up to $10,000/day for established accounts, though this also varies.

Capital One Routing Number

Use 031176110 for direct deposit and ACH transfers on 360 accounts. Wire transfers use a different number, 051405515. The Capital One routing number guide covers the SWIFT code for international wires, state-specific legacy routing numbers, and how to find your routing number in the app.

Capital One Customer Service

The Capital One customer service guide covers every contact method — in-app messaging, the virtual assistant Eno, scheduling a callback, and the fastest ways to reach a live agent. Confirm current hours directly with Capital One, as phone support hours can change.

Capital One Cafés

Capital One operates roughly 50 “Café” locations across major cities — part coffee shop, part bank branch. You can open accounts, get help from banking staff, attend free financial wellness workshops, and use free WiFi. Café cities include Austin, Boston, Chicago, Dallas, Denver, Los Angeles, Miami, NYC, Philadelphia, San Francisco, and Washington D.C.

For customers who want a physical presence without the fee structure of a traditional bank, the café model is Capital One’s clearest differentiator from Ally and Discover.

Capital One vs. Competitors

Capital One sits in a unique position — it has the fee structure of an online bank and physical presence (cafés) that pure online banks lack. The tradeoff is a smaller branch footprint than traditional big banks, and its savings APY doesn’t consistently lead the market.

For a head-to-head breakdown of the two most common comparisons, see Ally Bank vs Capital One 360 and Capital One vs Discover or the Discover Bank vs Capital One 360 deep dive.

Is Capital One 360 Worth It?

Capital One 360 makes sense if you:

• Want zero fees with no conditions to meet
• Want a fee-free savings account without locking money in a CD
• Occasionally need in-person help (cafés in major cities)
• Want one bank for checking, savings, CDs, and teen accounts

Consider alternatives if:

• Need extensive branch access for regular cash deposits
• Want the single highest checking or savings APY at a given moment — compare current published rates across a few banks first
• Prefer a bank with a larger traditional branch network

All Capital One Guides

• Capital One 360 Review 2026
• Capital One Fees: Complete Guide
• Capital One ATM Withdrawal Limit
• Capital One Mobile Deposit Limit
• Capital One Transfer Limit: Zelle, ACH, and Wire
• Capital One Routing Number
• Capital One Minimum Balance Requirements
• Capital One Customer Service 2026
• Capital One Hours 2026: Café Hours and Holiday Schedule
• Ally Bank vs Capital One 360
• Capital One vs Discover
• Discover Bank vs Capital One 360

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.