Capital One 360

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.

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

Headquarters

HQ city

Mclean

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core 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)

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Eight partnerships are on record, tiered core.

• AllpointcoreTechnology or IntegrationAllpoint 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.
• MoneyPasscoreTechnology or IntegrationMoneyPass 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 ServicescoreTechnology or IntegrationInComm 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.
• WalgreenscoreChannel Partner/ Reseller/ DistributorWalgreens 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.
• CVScoreChannel Partner/ Reseller/ DistributorCVS 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.
• KrogercoreChannel Partner/ Reseller/ DistributorThe 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-ElevencoreChannel Partner/ Reseller/ Distributor7-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.
• TargetcoreChannel Partner/ Reseller/ DistributorTarget 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

Market position

Weaknesses5 records

Competitive moat5 records

Customer concentration

• Xx.com/CapitalOne360
• YouTubeyoutube.com/user/capitalone
• Facebookfacebook.com/CapitalOne360
• LinkedInlinkedin.com/company/capital-one
• Instagraminstagram.com/capitalone

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital One 360