Capital One Login: Capital One Bank is a recent addition compared to other banks; it was established in 1994 and has a living founder. But in spite of this, the bank is one of America’s 10 biggest banks in market share. It is primarily an online bank with various branches and Capital One Cafes nationwide. However, due to COVID-19 some of the branches are still closed and scheduled to reopen.
Capital One Checking Accounts
Capital one bank has two checking accounts:
- Money checking for kids and teenagers: This account is for kids of age 8 and above. It is best for teenagers to learn the basics of budgeting
- 360 Checking for adults: This is for persons that want online banking and a simple way to deposit, pay bills and make transfers.
Both checking accounts earn 0.10% APY on balances. The bank offers amazing features that make the banking experience flexible. You can schedule online bill payments and write checks and also make use of the mobile app to deposit checks or do it in person at any of the branches.
Capital One’s checking accounts have no monthly service fees and no balance requirements. When you have Capital One checking account, the first 50 checks ordered are free and you also enjoy over 72,000 surcharge-free ATMs.
Capital One Savings Accounts
Capital One also offers two online savings accounts, one for adults and the other for kids.
- 360 Performance Savings: it is good for people looking for high-interest saving account
- Kids Savings Account: Parents open this account for their kids, to secure their financial future
The disadvantage of capital One saving account is withdrawn, and there’s no debit card which hinders ATM withdrawal. Hence, you have to make a transfer to a Capital One account or any other bank before you can withdraw. Or, you can visit the branch or Café to withdraw. But making a withdrawal at the branch of Café has a limit of six withdrawals and transfers per month as a result of federal regulations.
Capital One bank also offers a certificate of deposit (CD account), which helps you save funds you won’t be needing for some time. This account has terms ranging from six months to five years. The rates vary from 1.65% and 3.25% APY.
CD Term APY Minimum Deposit
6 Months 1.50% $0
9 Months 1.50% $0
12 Months 2.40% $0
18 Months 2.40% $0
24 Months 2.80% $0
30 Months 2.80% $0
36 Months 2.90% $0
48 Months 3.00% $0
60 Months 3.25% $0
The APYs increase as long as you are willing to keep your money. In addition, know that the CD account will lock your money still at the set time. But, if you choose to withdraw part or all of it, it comes with a penalty. Also, customers can decide how they receive interest disbursements. It may be monthly, annually, or at the end of the term.
Capital One bank Mobil app
You can access Capital one Bank services on the Go using the mobile app. The app is rated 4.9 stars on the App store meaning it has large users. The mobile app allows you to access all your capital One bank accounts, check deposits, pay your bills, save, and more.
Also, it has amazing tools that make the banking experience smooth. These tools include:
- Customized alerts and notifications
- Zelle payment network
- Access to account statements
- Debit card lock security
- Expense and rewards tracking
- Free credit score through Credit Wise
To open a Capital one Bank account is quite easy and straightforward, you don’t need minimum balance requirements. Hence, you can start with the little you have and you don’t have to worry about monthly service charges.
How To Open an Account
You can open a Capital one Bank account at any of the branches or you can do it online through Capital One website. All you need is:
- Your name
- Email address
- Date of birth
- Phone number
- Social security number (SSN)
- Employment and salary information
If you want to open a Capital one Bank account, follow the steps below to guide you through the process.
Determine Which Bank Account You Want To Open
You have to determine the type of Capital one Bank account you want to open, and this depends on your banking need at the moment. Capital One Bank has a checking, saving, and CD account. Go back to the beginning of this article to learn about these accounts.
Get Your Personal Information
I have listed above the information you need to open an account. In addition, you may need a driver’s license, state ID, or military ID for verification purposes.
Apply Online or in Person
Once you have all the requirements ready to verify your identity, go to any capital One bank branch to apply. But if you want to apply online, follow the steps below to get it done:
- Visit capitalone.com
- Select the account you want and click on open
- Enter the necessary information if the space provided to get started
If you have trouble locating any Capital one branch close to you, you can make use of the branch locator and input your location.
How To Find and Use Your Capital One Login
Once you have set up your Capital one Bank account, to login to the account is simple. All you need is your username and Login. You can access your account on various devices such as PC or phones.
How To Log In to Your Capital One Bank Account From a Computer
You can access your account using a computer. Below is how to do it.
- Go to capitalone.com
- Click on Sign in
- Enter your username and password
- Then, click on Sign in to access your account
You can make this login in process easy by clicking on ‘Remember me’ to save your information. But, if you are making use of a computer that is not yours, avoid that option.
How To Log In to Your Capital One Bank Account From a Mobile Phone or Tablet
You can also access your Capital One Bank account on your mobile devices. Here’s how to do it.
- Download and install the app on your device
- Launch the app
- Login in to your account with your username and password
Also, if your device supports Touch and Face ID, you can enable it. This will allow you use your fingerprint or face to log in to your account.
How To Retrieve a Forgotten Username or Password
If you cannot remember or lose your username or password, you can retrieve and the process is easy. But you need the information below:
- Last name
- Date of birth
- Social Security number
How To Contact Capital One Customer Service
There are several ways you can contact Capital One customer service. But if you want to reach them through a phone call, below are the information you need:
- Capital One Banking in U.S: 800-655-2265
- Capital One credit card products in U.S: 800-227-4825
- Capital One online banking assistance: 877-442-3764
However, if you are calling intentionally you will have to speak to an international operator. Provide this number 804-934-2001 and say you are a Capital One customer.
How To Avoid Unwanted Fees
You don’t have to worry about unwanted fees. Capital one Bank is a fee-free bank. Hence, you don’t need to worry about keeping money in your account or having to withdraw from the ATM.
Monitoring and Protecting Your Bank Account
You can monitor and protect your Bank account from fraud. Capital One accounts are FDIC insured up to $250,000. Hence, if your money is below $250,000, you will get it back. But you can avoid being attacked by fraud using the steps below:
- Make sure your password is strong enough
- Enable two-factor authentication. This will allow you to access your account with a two-step process
- Install cybersecurity protection on your computer and phone.
- Switch on your online banking alerts so that you will get alerts for each transaction
FREQUENTLY ASKED QUESTIONS
- What’s the difference between Capital One and Capital One 360?
Capital One is the corporate name, it is refer to the banking or credit card division. Also, Capital One 360 is the bank’s brand name for its accounts
Can I withdraw money from my Capital One 360 savings?
Capital One’s savings account has no debit card. You can either transfer the funds to a Capital One checking account or to another bank and withdraw the funds
Is Capital One Bank safe?
Yes. Capital One provides several security measures to make sure the customer’s accounts and personal information are safe. These include SSL encryption, fraud protection, debit card locking features, and more. Capital One did have a security breach in 2019 involving credit card accounts. The issue was settled immediately.
Is Capital One FDIC insured?
Yes, all Capital One accounts are FDIC insured (FDIC Certificate No. 33954) up to $250,000 per depositor, for each account ownership category
- How do Capital One Cafés work?
It works like a coffee shop, making banking experience easy. The Cafés provides different kind of in-person banking experience in a very comfortable environment, where people can have coffee, use free WiFi, do their brick-and-mortar banking transactions and also speak with a financial experts who can answer questions and guide them in making decisions about their finances.