Capital One 360 Customer Service Telephone Number – If you’re using the Galaxy Fold, consider unfolding the phone or viewing it in full screen to best optimize your experience.
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Capital One 360 Customer Service Telephone Number
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The Capital One 360 Performance Savings Account checks all the boxes we look for in an online savings account and includes some bonus benefits. Capital One Cafés and its unique branch locations make it an ideal choice for those who want a high APY online savings account but aren’t quite ready to part with the big banks. Read our full review of the Capital One 360 Performance Savings Account to learn about everything it has to offer.
4.75/5 Circle with the letter I inside. Our rating is based on a 5-star scale. 5 stars equals the best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals fair. 1 star equals Poor. We want your money to work harder for you. That’s why our ratings are biased toward deals that provide flexibility while reducing out-of-pocket costs. = Best = Excellent = Good = Exemplary = Poor
Capital One 360 Performance Savings checks all the boxes we look for in a high-yield savings account. But it also offers Capital One branch locations and cafes where customers can get support in person (if you live nearby). This makes it ideal for those who want to enjoy the rewards of online banking but aren’t quite ready to cut ties with the big banks.
Review: Capital One 360 Performance Savings
We recommend comparing high yield savings account options to ensure the account you choose is the best fit for you. To make your search easier, here is a short list of featured accounts.
Circle the value information with the letter I in it. SoFi members with direct deposit can earn up to 4.50% annual percentage return (APY) on savings balances (including vaults) and 0.50% APY on checking balances. No minimum direct deposit required to qualify for 4.50% APY on savings. Non-direct deposit members will earn up to 1.20% annual percentage return (APY) on savings balances (including treasury) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current from August 2, 2023. There is no minimum balance requirement. Additional information is available at http://www.sofi.com/legal/banking-rate-sheet. You can earn the maximum APY by either making direct deposits into a checking or savings account, or by depositing $5,000 or more every 30 days. Learn more at https://support.sofi.com/hc/en-us/articles/4423866727949.
Circle the value information with the letter I in it. 5.05% APY on balances of $5,000 or more; otherwise, 0.25% APY
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4.30% APY: If you open a high-yield savings account, it’s because you want to get a better return on your savings. Capital One 360 Performance Savings tops the best online savings account rankings because of its higher-than-average APY on all balances.
No minimum balance requirement: While it’s possible to find online savings accounts with slightly higher interest rates, most require a minimum balance to earn that rate. The Capital One 360 Performance Savings Account has no minimum balance requirements to open or maintain an account.
No monthly fees: Monthly maintenance fees can defeat the purpose of opening a high yield savings account. This account has no maintenance fees, so you don’t have to worry about fees eating into your income.
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Online and in-branch hybrid: Unlike most online banks, Capital One offers a small number of branch locations for people who prefer in-person banking. Full-service branches are available in several states, mainly on the East Coast. The bank also offers unique Capital One Cafes, which combine banking and money routing services with coffee, snacks and Wi-Fi, across the country.
FDIC Insured: Capital One’s 360 Performance Account is FDIC insured, so if the bank fails, you’re covered up to $250,000 per depositor, per institution.
ATM card: Capital One 360 Performance Savings makes it difficult to access your funds immediately unless you live near a branch location. The account does not offer an ATM card or check writing facility. However, if you have a Capital One 360 Checking account, you can transfer money right away and use your debit card to withdraw cash from an ATM. With an external bank account, you will need to wait a few business days for the transfer to be processed.
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With any bank account, it’s important to have access to your money when you need it. Fortunately, Capital One 360 makes depositing and withdrawing funds easy.
Banks also make it easy to build your savings by letting you set up automatic recurring deposits from linked checking accounts. If you have a Capital One 360 checking account, the transfer will be processed immediately. If you are making a transfer from an external bank, this process may take several business days.
When you’re ready to withdraw money from your Capital One 360 Performance Savings Account, you can do so using one of these methods:
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If you transfer your funds to a Capital One 360 Checking account, they will be available immediately. You can then withdraw it from your checking account using your debit card or by writing a check.
This savings account does not come with an ATM card or check writing capability. Transferring funds to an external checking account will take several business days to process, so be sure to arrange the transfer in advance of when you need the money.
If you want high rates and no monthly maintenance fees, this is a simple basic savings account and a solid choice. As long as you don’t need an ATM card with your savings account, the Capital One 360 Performance Savings Account gets the job done. You can also pair it with a Capital One 360 checking account for easier access to your funds.
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This account comes with one of the best mobile apps and branch service options. But it’s possible to find other accounts that offer some features that the Capital One 360 Performance Savings Account doesn’t have, such as an ATM card or higher rates for larger balances. Many of the best online bank accounts come with high returns and no fees, so be sure to do some comparison shopping.
Kaylee Hagen has written about small business and finance for nearly 10 years, and her work has appeared in USA Today, CNN Money, Fox Business and MSN Money. It specializes in personal and business bank accounts and software for small and medium businesses. She lives on a farm in northern Wisconsin with her husband and three dogs.
Stephen is a personal finance writer covering topics from mortgages to credit cards to market news. He has written for The Motley Fool Canada, Ramsey Solutions, Nerdwallet, Clever Real Estate and other major outlets. Stephen began his writing career at the age of four with his first book, The Bad Guys’ Revenge. He currently lives in Portland, Oregon.
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Ashley Maridy is a former history museum professional who made the leap into writing and editing digital content in 2021. She holds a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for people and learning new things so she can teach others, whether it’s information on salt mining, channel donkeys, or personal finance.
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