I've been a Capital One 360 customer for over a decate. It was my first online bank account and to this day it still remains one of the best banks in 2023.
Pros:
- Earn 0.10% on your Capital One 360 Checking
- 360 Performance Savings account pays 3.40% interest
- Send and receive payments with Zelle
- Deposit cash into your account for free at CVS Pharmacies
- Sub savings accounts to save for individual goals
Cons:
- Can earn higher interest on checking with SoFi, 2.50% with direct deposit and 1.20% without direct deposit.
- Decent, but not great interest on savings, the best high yield savings accounts are currently paying over 4.00%.
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