Capital One is one of the top 10 largest banks in America based on deposits. A Fortune 500 company, it is a diversified bank that offers a wide range of banking services and financial products to consumers.

Founded in 1988, Capital One still holds and maintains its headquarters in Richmond Virginia where it began its banking operations. It has extended its reach in the north and began establishing business in Canada. Capital One has its Canadian headquarters at Toronto, Ontario.

Below are the latest Capital One fees.


Transaction Fees

Non-Bank ATM Surcharge Fee$0.00 - $2.00
Insufficient Funds Fee$35.00
Overdraft Protection Transfer Fee$0.00 - $10.00

Monthly Fees

Monthly Account Service Fees$8.95 - $14.95

Capital One Savings/Money Market Accounts

Smart Savings (Interest Rate)0.85%
Smart Savings (Minimum to Avoid Fee)$300.00
360 Savings (Interest Rate)0.75%
360 Savings (Minimum to Avoid Fee)$0.00

Capital One

This bank offers a variety of financial products and services including banking and savings products, home and auto loans, and an assortment of credit cards

The bank had reached a milestone in 2010 when it achieved its annual revenue of US $16.171 billion. In that same year, Capital One had a net income of US $2.743 billion, and total assets of US $197.503 billion.

Credit Cards

Capital One offers a wide range of credit card options for its customers. These credits card, like the co-branded Visa and MasterCard credit cards offer incentives such as no annual fees, 24/7 customer support, cash back deals, frequent flyer miles and balance transfer.

The Capital One Venture Rewards credit card allows the customer to earn unlimited 2X miles on every purchase, every day. With this card, a client can also enjoy a one-time bonus of 40,000 miles if he spends $3,000 on purchases within the first 3 months. This is equal to $400 in travel. He can fly anytime, in any airline and stay at any hotel he wants.

A client can get a Capital One Platinum credit card with no annual fee for the first year. He can also get access to a higher credit line after making his first 5 payments on time. The card also provides fraud coverage if the card is stolen.

Checking and Savings Accounts

Capital One offers their 360 checking and saving accounts which give their clients the freedom to bank from anywhere, anytime. Their clients will only need a computer or phone to save or transfer cash from one account to another.

The 360 Checking account requires no fees or minimums, and can earn interest just like a savings account. Customers are also given access to over 38,000 fee-free Allpoint ATMAutomatic Teller Machines and can also mobile check their deposits with CheckMate.

Capital One’s 360 savings accounts also have no fees and no minimums. Clients can see their savings grow faster with more interest. They can easily achieve their savings goals by using saving tools such as the Automatic Savings Plans.

Home Loans

capital one feesOne of Capital One’s main products is Home Loans. There are two basic types of Capital One home loans.

Fixed Rate Mortgages

These home loans have low closing costs which are well below the national average. Their terms can be either 15 years or 30 years. Clients can apply for a loan of up to 80% of the home value.

Adjustable Rate Mortgages

The closings costs of these loans are also below the national average. The fixed rate periods are only from 5 to 7 years. Afterwards, the rates will be adjusted to the current prevailing rates.

For more information on Capital One and Capital One fees, visit their official website.

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