Capital One 360 Checking: no monthly fee, and the costs that can still apply

What Capital One says there is no charge for

These points come from Capital One's 360 Checking page. The page says there is no monthly fee, no minimum balance to open or keep, no overdraft fees, and no foreign transaction fee.

The page also says Capital One does not charge an extra fee when you use an ATM outside its fee free network. The ATM owner may still charge you. Fee free ATMs on that page are Capital One, MoneyPass, and Allpoint machines. Foreign transaction fees is a separate topic for cards that do charge one.

A cashier's check, an outgoing wire, or a printed checkbook can still cost money. The 360 page says those extra services may be charged, and it says the first 50 count checkbook can be ordered free. It does not print a dollar amount for the wire or the cashier's check on that page, so this guide does not invent one. Open the fee links on the 360 page before you rely on a number.

Find a fee on the statement

If the statement has no monthly service fee, that matches what Capital One publishes for this account. A wire, a check order, or an ATM owner fee can still be its own line. Write the date, the printed name, and the amount. A US dollar statement stays in USD.

Overdraft choices on the same page are Auto Decline, a free transfer from savings, and no fee overdraft. Those choices are not a monthly fee. How to ask about an overdraft fee is the page for a fee that was charged when a payment did not clear.

A monthly fee of $0 for 12 months is $0. That arithmetic is not a quote that Capital One will refund some other line.

What to ask Capital One

Use the phone number on the statement if it is printed there. Have the date, the fee name, and the amount. Ask whether the account is 360 Checking, and which extra service the line is for. Then ask Capital One to review the fee or remove it. They can say no.

Upload a statement in Expenvo to see the bank fee lines it recognizes. The PDF stays on your device. Expenvo does not call Capital One.

Questions

Is the Capital One 360 monthly fee $0?

Capital One's 360 Checking page says there is no monthly fee and no minimum balance. Match the account name on your statement. Another Capital One account can be different.

Can I still be charged for a wire or a cashier's check?

Yes. The same page says those extra services may cost money. It does not print the dollar amount on the main 360 page, so this guide does not guess it.

Will Capital One remove a fee it already charged if I ask?

They might, and they might not. Asking is a request. Nothing on this page says Capital One has to waive a fee already on the statement.

Sources

• Capital One 360 Checking

Related guides

• Chase, Bank of America, and Wells Fargo monthly fees
• Foreign transaction fees
• How to ask about a Capital One Venture annual fee