The OCC said Capital One's security was inefficient at the time. The bank paid $80 million after the Office of the Comptroller of the Currency stated that the bank was partially responsible for a 2019 data breach in which a hacker accessed over 100 million credit card applications. The company does have a recent controversy, though. A good BBB rating signifies a company responds effectively to customer complaints, has honest advertising practices, and is transparent in how it handles business. Capital One 360 has an A- rating because it's received a high volume of customer complaints on the BBB website. The Better Business Bureau rates businesses by how they deal with customer issues and handle transparency. Capital One 360 Trustworthiness and BBB Rating You can have a hybrid in-person/online banking experience if you live near a branch or Café, or you can bank completely online with Capital One 360. It also has dozens of Capital One Cafés, where you can grab Peet's Coffee®, speak with a money coach, and open a bank account.Ĭapital One 360 is the bank's online operation. The bank has over 280 branches across Louisiana, Maryland, New Jersey, New York, Texas, Virginia, as well as Washington DC.
The website is easy to navigate, and its mobile app has received 4.9 out of 5 stars in the Apple store and 4.6 out of 5 stars in the Google Play store. If you want to speak with an agent on the phone, you can call between 8 a.m. Once you set up an online account, you can chat 24/7 with a live customer service representative. The bank doesn't charge a fee if you use an out-of-network ATM, but it doesn't reimburse any out-of-network fees charged by an ATM provider. How Capital One 360 Worksīetween Capital One ATMs and partner ATMs, you have access to over 70,000 ATMs nationwide. Your only option here is a regular term CD. Some banks offer more types of CDs, such as a no-penalty or jumbo CD.
Capital One does set itself apart by not requiring an initial deposit to open a CD - most banks ask for at least $500. The institution's CDs come with term lengths ranging from six months to five years. Read Our Review A looong arrow, pointing rightĬapital One CD rates are pretty competitive, but you still might find the best CD rates with other online banks.
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