Capital One 360
Capital One 360 is the digital consumer banking platform of Capital One Financial Corporation, offering no-fee 360 Checking, 360 Performance Savings, and 360 CDs supported by a mobile app, Eno AI assistant, 70,000+ fee-free ATMs, and Capital One Cafés for U.S. retail banking customers.
- Company typePublic
- Founded1994
- HeadquartersMclean, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Capital One 360 does
Capital One 360 is the consumer digital banking product line of Capital One Financial Corporation (NYSE: COF), a federally chartered bank founded in 1994 by Richard Fairbank and Nigel Morris and headquartered in McLean, Virginia. The platform offers three core deposit products: 360 Checking (no monthly fees, no balance minimums, no overdraft fees, access to 70,000+ fee-free ATMs), 360 Performance Savings (online savings with a variable APY ranked top-tier per Curinos Inc. national percentile data), and 360 CDs (fixed-rate certificates of deposit with no fees or minimums). Supporting technology includes the Capital One Mobile App (iOS and Android) with mobile check deposit, digital wallet integration (Apple Pay, Google Pay), Add Cash In Store functionality, and the Eno AI-powered chatbot for customer support. Adjacent ecosystem tools include CreditWise (free credit monitoring), Capital One Shopping (browser-based coupon and price-drop tool), and Capital One Travel (booking platform), while physical presence is delivered through Capital One Cafés, traditional branches, and the Allpoint/MoneyPass ATM network.
The business generates revenue primarily through net interest income, the spread between interest earned on Capital One's loan book (credit cards, auto, mortgages) and interest paid on customer deposits, supplemented by interchange and fee income from the broader Capital One entity. The go-to-market is direct-to-consumer, leveraging the national Capital One brand, digital acquisition channels (website, mobile app, personal finance media coverage), the 70,000+ fee-free ATM network, and the Capital One Café/branch footprint. Distribution is exclusively through owned channels (no third-party resellers for core deposit products), and customer acquisition is supported by retail partnerships for cash deposits (Walgreens, CVS, Kroger, 7-Eleven via InComm Financial Services' VanillaDirect Pay).
The platform targets individual retail banking customers seeking fee-free, no-minimum digital banking with the regulatory credibility of an FDIC-insured, federally chartered bank and the customer service infrastructure that pure neobanks often lack. Capital One 360 is operated by Capital One, N.A. (the banking subsidiary) within Capital One Financial Corporation, which also operates wholly-owned subsidiaries in Canada and the UK.
Capital One 360 firmographics
Firmographics- Name
- Capital One 360
- Legal name
- Capital One Financial Corporation
- Website
- https://home.capitalone360.com
- Company type
- Public
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Capital One 360 is the digital consumer banking platform of Capital One Financial Corporation, offering no-fee 360 Checking, 360 Performance Savings, and 360 CDs supported by a mobile app, Eno AI assistant, 70,000+ fee-free ATMs, and Capital One Cafés for U.S. retail banking customers.
- Ownership category
- akta.pro rank
Where Capital One 360 is headquartered
LocationHeadquarters
- HQ city
- Mclean
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Capital One 360 business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Net Interest Income: Capital One's primary banking revenue is generated through net interest income — the spread between interest earned on loans (credit cards, auto loans, mortgages) and deposits, and interest paid on customer deposits. As a bank, the deposit base (checking, savings, CDs) funds the lending portfolio, with interest rate differentials driving profitability.
- Fee Income: While Capital One 360 markets 'no fees' and 'no overdraft fees' on its core checking and savings accounts, the broader Capital One entity earns fee income from credit card interchange fees (on debit card purchases), late fees, and other financial service charges.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | 360 Checking - No-fee checking account with no balance minimums, no overdraft fees, and access to 70,000+ fee-free ATMs. |
| Other | Monthly | 360 Performance Savings - Online savings account with competitive variable APY, no fees, and no minimums. |
| One time/ perpetual license | Multi-year contract | 360 CDs - Fixed-rate certificate of deposit accounts with no fees and no minimums. |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels5 records
Capital One 360 product offering
Product offeringCore offering
Capital One 360 is the consumer digital banking platform of Capital One Financial Corporation, offering three core deposit products — 360 Checking (no monthly fees, no minimum balance, no overdraft fees, and 70,000+ fee-free ATM access), 360 Performance Savings (no-fee, no-minimum online savings with a competitive variable APY), and 360 CDs (no-fee, fixed-rate certificates of deposit). Banking is delivered via the capitalone.com website, the Capital One Mobile app, Capital One Cafés, and partner ATMs.
Product overview
Capital One 360 is a digital banking platform offering a suite of no-fee banking products under the 360 brand. The core offerings include 360 Checking (fee-free checking with extensive ATM access), 360 Performance Savings (high-yield savings account), and 360 CDs (fixed-rate certificates of deposit). These are complemented by digital tools including the Capital One Mobile App for mobile banking, the Eno AI assistant for customer support, CreditWise for credit monitoring, and Capital One Shopping for savings on purchases. Physical presence is provided through Capital One Cafés that combine banking services with craft coffee. The platform emphasizes no monthly fees, no minimum balances, and no overdraft fees across its consumer banking products.
Differentiator
Problem solved
Functional benefit
Brands
- 360 Checking: A no-fee checking account with no monthly fees, no balance minimums, no overdraft fees, and access to 70,000+ fee-free ATMs.
- 360 Performance Savings
- 360 CDs
- Capital One Café
- Capital One Mobile App
Products and services
- 360 Checking A fee-free consumer checking account with no monthly fees, no minimum balance requirements, no overdraft fees, and access to 70,000+ fee-free ATMs via Allpoint, MoneyPass, and Capital One branded machines. Targeted at everyday U.S. consumers for direct deposit, bill pay, ATM withdrawals, mobile deposits, and cash loading.
- 360 Performance Savings A no-fee, no-minimum online savings account offering a variable APY positioned as a top rate per Curinos Inc. national percentile data for savings balances. Interest compounds and credits monthly. Targeted at U.S. consumers seeking higher yield on liquid deposits.
- 360 CDs Certificate of deposit accounts with fixed interest rates at account opening, no monthly fees, no minimum balance requirements, and no market risk on the principal. Targeted at U.S. consumers seeking guaranteed short- or multi-year deposit returns.
- Capital One Mobile App Full-service mobile banking application for iOS and Android that lets Capital One 360 customers manage checking and savings accounts, perform mobile check deposits, set up Apple Pay and Google Pay wallets, load cash via Add Cash In Store, and monitor recent transactions.
- Eno AI-powered chatbot assistant embedded within Capital One's mobile and web banking experience to handle customer service questions and account management tasks conversationally.
- CreditWise Free credit monitoring and score tracking tool providing identity protection and credit health insights, offered to both Capital One customers and non-customers.
- Capital One Travel Online travel booking platform integrated into the Capital One ecosystem, offering travel search and booking capabilities for Capital One customers.
- Capital One Shopping Browser extension and shopping tool that automatically finds and applies available coupons and price drops to online purchases, helping consumers save money at checkout.
Quantifiable outcome
- 70,000+ fee-free ATMs — largest network cited in competitive checking account comparisons (2026)
Companies that use Capital One 360
Customer profileSegments1 record
Ideal customer profiles1 record
Capital One 360 technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Capital One 360 partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- AllpointcoreAllpoint is a third-party fee-free ATM network partner providing Capital One 360 Checking customers access to thousands of surcharge-free ATMs at retail locations nationwide, contributing to the 70,000+ fee-free ATM network.
- MoneyPasscoreMoneyPass is a second major third-party ATM network partner in Capital One's fee-free ATM ecosystem, complementing Allpoint and Capital One's own ATMs to reach 70,000+ locations.
- InComm Financial ServicescoreInComm Financial Services provides the VanillaDirect Pay technology enabling Capital One's Add Cash In Store feature, allowing customers to load cash into their accounts at participating retailers. InComm is NMLS# 912772 and licensed as a Money Transmitter by NYSDFS.
- WalgreenscoreWalgreens is a key retail partner for Capital One's Add Cash In Store feature, enabling customers to deposit cash into their eligible Capital One checking or savings accounts at Walgreens locations using the Capital One Mobile app.
- CVScoreCVS is a participating retailer for Capital One's Add Cash In Store feature (excluding CVS Pharmacy at Target stores), allowing cash deposits at CVS locations nationwide via the Capital One Mobile app.
- KrogercoreThe Kroger Family of Stores is a participating retailer for Capital One's Add Cash In Store feature, enabling cash deposits at Kroger grocery locations across the U.S.
- 7-Elevencore7-Eleven is a participating retailer for Capital One's Add Cash In Store feature, though the service is unavailable at 7-Eleven stores in certain affected zip codes per FinCEN guidance.
- TargetcoreTarget is referenced as a key ATM access location partner, with fee-free Capital One ATM access available at select Target locations nationwide.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Capital One 360 competitors and assessment
Company assessmentMarket position
Weaknesses5 records
Competitive moat5 records
Customer concentration
Capital One 360 social profiles
Digital presenceCapital One 360 financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital One 360 leadership team
Management profileNumber of profiles
Profiles1 record
Capital One 360 subsidiaries and ownership
Company hierarchySubsidiaries4 records
Capital One 360 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital One 360 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capital One 360
What does Capital One 360 do?
Capital One 360 is the consumer digital banking platform of Capital One Financial Corporation, offering three core deposit products — 360 Checking (no monthly fees, no minimum balance, no overdraft fees, and 70,000+ fee-free ATM access), 360 Performance Savings (no-fee, no-minimum online savings with a competitive variable APY), and 360 CDs (no-fee, fixed-rate certificates of deposit). Banking is delivered via the capitalone.com website, the Capital One Mobile app, Capital One Cafés, and partner ATMs.
Is Capital One 360 a public or private company?
Capital One 360 is a public company. It is classified as public and is currently operating.
When was Capital One 360 founded?
Capital One 360 was founded in 1994. It employs 1 to 10 people.
Where is Capital One 360 based?
Capital One 360 is headquartered in Mclean, United States, in the North America region.
How does Capital One 360 make money?
Two revenue lines are on record. Net Interest Income is the primary driver. The others are fee Income.
Does Capital One 360 have an API?
No public API is recorded for Capital One 360.