Overview

Capital One Financial Corporation (NYSE: COF) is one of the ten largest banks in the United States by assets. It's best known for its credit card business, but it also operates a full-service consumer bank — Capital One 360 — that offers fee-free online checking and savings accounts alongside physical branches and Capital One Cafés.

What Capital One actually is

Capital One 360 Checking is a fee-free, no-minimum online checking account with a debit card, mobile check deposit, and access to a 70,000+ fee-free ATM network via the Allpoint / MoneyPass alliances. Deposits are held directly at Capital One, N.A. and are FDIC-insured up to $250,000 per depositor, per ownership category.

Who it's built for

People who want the safety and reach of a top-ten US bank with a modern app-first experience — plus optional access to physical branches and cafés in select metros.

Regulation & safety

Capital One, N.A. is a national bank chartered and regulated by the Office of the Comptroller of the Currency (OCC) and is an FDIC member. The parent company is publicly traded on the NYSE under ticker COF.