No monthly fees· #3
Open Account →Capital One
Capital One 360 Checking
No-fee checking with real savings rates built in
Capital One 360 Checking is the best choice for students who want to start building savings habits alongside daily spending. The seamless link to a 3.80% APY savings account makes it easy to separate spending money from savings — a habit that pays dividends for life.
✓ Pros
- 70,000+ fee-free ATMs via Capital One + Allpoint + MoneyPass
- Link to 360 Performance Savings for 3.80% APY on idle cash
- Capital One Cafes on many college campuses for in-person help
✕ Cons
- No cash back on debit purchases
- App not as polished as Chase or Discover
Scores
Overall
9
Safety
9.3
Value
9.4
Ease
9.3
Quality
9
Specifications
monthly Fee$0
atm Network70,000+
linked Savings A P Y3.80%
min Balance$0
overdraft FeeNone with linked savings