Checking accounts: Capital One 360 Checking vs. Chase Total Checking
Quick Verdict
Capital One 360 Checking is generally better for those seeking a no-fee, interest-bearing account. Chase Total Checking may be preferable for those who value a large branch network and can meet the requirements to waive the monthly fee.
- Capital One 360 Checking has no monthly fee and offers interest, while Chase Total Checking has a waivable monthly fee and does not offer interest.
- Capital One 360 Checking has no overdraft fee, while Chase Total Checking charges $34 per overdraft, up to 3 times per day.
- Chase Total Checking has a larger branch network compared to Capital One.
Key features – Side-by-Side
| Attribute | Capital One 360 Checking | Chase Total Checking |
|---|---|---|
| Minimum opening deposit | $0 | $0 |
| Monthly maintenance fee | $0 | $12 (increasing to $15, effective August 24, 2025), but can be waived |
| Interest-bearing? | Yes. A tiered interest rate is applied to the account: 0.10% APY for balances between $0 and $9,999.99. | No |
| Overdraft fee | $0 | $34 per transaction, charged up to a maximum of 3 fees per business day. No overdraft fee if the account is overdrawn by $50 or less at the end of the business day, thanks to Chase Overdraft Assist. |
| ATM network size and access | Over 70,000 fee-free ATMs, including Capital One, MoneyPass®, and Allpoint® ATMs. These ATMs can be found in select Target®, Walgreens, and CVS® stores. | Access to more than 15,000 ATMs and 5,000 branches. Chase ATMs offer free balance inquiries, cash withdrawals, and transfers between linked accounts. |
Overall Comparison
Fees: Capital One wins; Interest: Capital One wins; ATM/Branch Access: Chase wins
Pros and Cons
Capital One 360 Checking
Pros:
- No monthly fee
- Extensive ATM network
- Multiple overdraft protection options with no fees
- User-friendly mobile app
- Interest-bearing
- FDIC insurance
Cons:
- No major disadvantages reported.
Chase Total Checking
Pros:
- Easy to waive monthly fee with qualifying activities or balances
- Extensive ATM and branch network
- User-friendly mobile app with many features
- Overdraft Assist feature helps avoid overdraft fees
- FDIC insurance up to the maximum amount allowed by law
- Zero Liability Protection for unauthorized debit card charges
Cons:
- No major disadvantages reported.
User Experiences and Feedback
Capital One 360 Checking
What Users Love
- Well-designed mobile app
- Intuitive mobile app
- Easy to use mobile app for various banking tasks
Common Complaints
- No major complaints reported.
Value Perception
- No value feedback reported.
Chase Total Checking
What Users Love
- Mobile app is generally considered user-friendly
- Relatively easy to waive the monthly fee
Common Complaints
- No major complaints reported.
Value Perception
- No value feedback reported.