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The rep said they're essentially consolidating all branch bank accounts into 360 accounts, including all checking and savings products, so as to only offer 360 products going forward. It's a gradual switch over many months for all their customers, but that is their end goal. The rep even said to expect many more branch closures in the future ...
Essentially the same APY for Savings (4.20% instead of C1's 4.25%), but the big benefit is they have a money market account (with debit card access and checkwriting) at 4% APY. That blows C1's 0.10% APY checking account out of the water. Something to consider: Capital One 360 checking has a huge atm network (both Allpoint and MoneyPass ATMs ...
Early direct deposit is a marketing tactic. You still need to wait 7-14 days for your next paycheck. When I can bank with Citi, I get the same exact perks minus the interest rate. Citi sent me a batch of free checks when I opened my account and is part of the same ATM network Capital One is part of. 05-14-202101:13 PM.
Re: A shout out for Capital One 360 Checking and Savings. I just recently got my $1500 bonus for putting $100k in their 360 account for 90 days. I'll be pulling it out soon and putting it back in to a 5%+ account, not their 4.25%. I never thought of using Cap1 as a main bank. I just wanted the bonus.
I have two questions regarding Capital One and their 360 Performance Savings account. The fine print suggests they do a credit check. Is this a soft or hard pull? I'm thinking soft pull but want to confirm beforehand (I refuse to open a savings account with anyone who's going to do a hard pull) ...
Re: Capital One 360 users - how do you deposit cash? « Reply #16 on: September 19, 2016, 12:45:59 PM ». Quote from: frugalcoconut on September 18, 2016, 07:46:13 PM. You can send in money orders via snail mail for deposit into CapitalOne360 (just be sure to specify *which* account if you have multiple).
Re: Applied for Capital One 360 and DENIED. Yeah I have 4 cards Macys, Blomingdales, Wells Fargo Plat. and Sony VISA which is Cap One. Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200. Chapter 7 BK Dischagred on 07/11/16.
Re: Capital One 360 Checking Hard Pull? Yes Capital One 360 Checks your Credit I was a 620 about five years ago when they approved me.. I just don't know why you need a good credit score for a darn bank account that sucks!! Message 6 of 7. 0 Kudos. VPExecutive.
1 Best answer. hbl3973. Level 10. If it's not on the partner's list, which is currently isn't, go to your CapitalOne360 online account and pull up/print out the 1099-INT and just enter it manually into TurboTax. (Personally, I've always entered my interest and dividends manually.) View solution in original post.
Here's the email I received: We received your 360 Checking® Account application. Unfortunately, we can’t approve it right now. We made this decision based on a number of factors, including information from ChexSystems®, a consumer reporting agency. Their report is similar to a credit report but is based on your checking activity, rather ...