Bank accounts in United StatesCOCapital One 360 Checking
Best for: an account with no monthly fee and no minimum
- Monthly fee
- $0
- Who can open it
- Not confirmed
- Opens online
- Yes
- Rate
- Not confirmed
- Fees
- No monthly fees and no overdraft fees.
- Minimum
- $0
- Opens online
- Yes
- Who can apply
- Not confirmed
- Currency
- USD
Pros
- No monthly fees
- No minimum balance to open or keep the account
- More than 70,000 fee-free ATMs
- Opens with a Social Security number or an ITIN
Cons
- No-fee overdraft needs deposits of at least $250 in two of the last three months
- You must fund the account within 60 days of approval
How to apply
Apply online, or in person at a Capital One branch or Café. Have your tax ID number (SSN or ITIN) ready.
Verified 10 Oct 2026 · source
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