{"account":{"slug":"capital-one-360-checking","bank":"Capital One","name":"360 Checking"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.capitalone.com/bank/checking-accounts/online-checking-account/","history":[{"date":"2026-06-11","apy":"0.10% on all balances","monthlyFee":"$0","minimumOpen":"None","atm":"70,000+ fee-free Capital One, MoneyPass, and Allpoint ATMs","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-09-04","apy":"0.10% on all balances","monthlyFee":"$0","minimumOpen":"None","atm":"70,000+ fee-free Capital One, MoneyPass, and Allpoint ATMs","note":"Capital One's product page rendered broken NaN placeholders, while its first-party deposits API returned five active balance tiers at 0.10% APY; account page reconfirmed fees, ATM network, and overdraft eligibility terms","sourceUrl":"https://api.capitalone.com/deposits/products/~/search","sourceLabel":"Capital One deposits product rates API"},{"date":"2026-10-23","apy":"0.10% variable APY across all five balance tiers; checked October 23, 2026 in Capital One’s public rate feed","monthlyFee":"$0 monthly maintenance fee; some optional services have charges","minimumOpen":"No minimum deposit required to apply; fund at least $0.01 within 60 days to open the account","atm":"70,000+ fee-free Capital One, MoneyPass and Allpoint ATMs. Partner withdrawal access does not mean every ATM accepts deposits. Check the locator for deposit-enabled Capital One ATMs and any out-of-network operator fee.","note":"Full account review. Public rate feed confirms five active 0.10% APY tiers despite NaN webpage placeholders. Corrected service-fee, cash-access and overdraft explanations; linked the newly substantiated CHECKING250 bonus.","sourceUrl":"https://api.capitalone.com/deposits/products/~/search","sourceLabel":"Capital One public deposits rates API and October 14 account disclosures"}],"verificationEvents":[{"id":"14db9860-2cc0-4487-9ecb-48cfdcafc5f2","entityType":"bank-account","slug":"capital-one-360-checking","checkedAt":"2026-10-23T12:55:52.571Z","recordedAt":"2026-10-23T12:55:52.572Z","sourceUrl":"https://api.capitalone.com/deposits/products/~/search","sourceLabel":"Capital One public deposits rates API, current account disclosures and service pages","outcome":"changed","summary":"Full review: active checking rate tiers, fees, funding/eligibility, cash access, ATM network, overdraft options, deposit insurance and current CHECKING250 offer verified. Replaced unsupported blanket claims.","changedFields":["apy","monthlyFee","minimumOpen","fdic","features","atm","bonusSlug","pros","cons","ourTake","sections","faqs","editorialReview","termHistory","lastVerified"],"facts":{"fullAccountReview":true,"rateProductCode":"4000","rateStatus":"Active","rateApy":0.1,"balanceTiers":5,"rateEffectiveDate":"2020-05-22","apiLastCachedAt":"2026-10-23T10:30:01.447Z","request":{"method":"POST","json":{"include":["RATES"],"isRenewableRate":true},"accept":"application/json;v=4"},"webRateIssue":"NaN on product/disclosure pages; independently resolved with current public rate response","fullSourceUrls":["https://www.capitalone.com/bank/checking-accounts/online-checking-account/","https://www.capitalone.com/bank/disclosures/checking-accounts/online-checking-account/","https://www.capitalone.com/bank/add-cash-in-store/","https://www.capitalone.com/help-center/checking-savings/make-deposit/","https://www.capitalone.com/bank/location-types/","https://www.capitalone.com/bank/fdic/","https://www.capitalone.com/bank/checking250/"]},"previousHash":"ba14d1a22042e5d491071f811f3bf7eea96362d9d4964f2696578ae4f08fb540","recordHash":"8514442266495d44bb61a7809cff48ba60246b767fd0daf0ca5f5821dcd82e1a"},{"id":"e102e939-74ee-4bef-a703-ee6ec1f2aa20","entityType":"bank-account","slug":"capital-one-360-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:36:46.836Z","sourceUrl":"https://www.capitalone.com/bank/checking-accounts/online-checking-account/","sourceLabel":"Capital One 360 Checking page","outcome":"unavailable","summary":"Official page rendered NaN for every checking APY tier on September 4; current account terms remain withheld","changedFields":["publicationStatus"],"facts":{"renderedApy":null,"publicationStatus":"source-unavailable"},"previousHash":"75f385dcbe181dd91f63be623b1e876fcc89b28e1cdd1650c8e5a45b048aca59","recordHash":"07af010bf02d623cef64cd82999e7e2a10961893e6693763bc8c28b11904cdd4"},{"id":"d0e65362-10a3-4f10-9a66-c164d4444291","entityType":"bank-account","slug":"capital-one-360-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:11:24.324Z","sourceUrl":"https://api.capitalone.com/deposits/products/~/search","sourceLabel":"Capital One deposits product rates API","outcome":"changed","summary":"First-party API resolved the broken public-page APY placeholders and returned five active tiers at 0.10% APY","changedFields":["apy","termHistory","lastVerified","publicationStatus"],"facts":{"apy":"0.10%","balanceTiers":5,"rateEffective":"2020-05-22","pagePlaceholder":"NaN"},"previousHash":"014582aa54dc9c4ebe65c4c0e5c62af5a9e4d6f81ba2eafdab98a18e6b28f5a4","recordHash":"c54a46917a9e8210d78da5e52fa9fed8831fc3a966a1ff0175758ee52c28b48c"},{"id":"035b1f21-e53b-4397-95c2-9caf62bc33cd","entityType":"bank-account","slug":"capital-one-360-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:11:24.516Z","sourceUrl":"https://www.capitalone.com/bank/checking-accounts/online-checking-account/","sourceLabel":"Capital One 360 Checking page","outcome":"confirmed","summary":"Official page reconfirmed no monthly or overdraft fee, no minimum, 70,000-plus fee-free ATMs, and the deposit-activity rule for No-Fee Overdraft","changedFields":["features","pros","ourTake","bonusSlug"],"facts":{"monthlyFee":"$0","minimumOpen":"None","feeFreeAtms":"70,000+","overdraftEligibility":"$250 in deposits in two of the prior three months"},"previousHash":"c54a46917a9e8210d78da5e52fa9fed8831fc3a966a1ff0175758ee52c28b48c","recordHash":"9381dd6996e17056622103e644725a583db94feb247f7a3898557b914ef3ff04"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}