No monthly fees· #3
Open Account →Capital One
Capital One 360
Online rates with a physical presence — best of both worlds
Capital One 360 bridges the gap between online banks (high rates, no fees) and traditional banks (in-person access). The hybrid model, excellent mobile app, and family-friendly account structure make it one of the most versatile family banking options available.
✓ Pros
- High-yield savings (3.80% APY) with zero fees
- Capital One Cafes provide in-person service without traditional branches
- Kids' savings account available directly linked to parent account
✕ Cons
- Savings rate slightly lower than Ally
- Limited physical presence compared to Chase
Scores
Overall
9.1
Safety
9.4
Value
9.3
Ease
9.3
Quality
9
Specifications
savings A P Y3.80%
monthly Fee$0
minimum Balance$0
atm Network70,000+ Capital One + Allpoint
fdictrue