A customer should take the following steps to open a banking account online in Capital One :
- open Capital One Bank's website
- select the desired banking account
- fill in an application form
- accept the collection by the bank of some personal information
- wait for the bank's decision
- deposit your account if it is required
Required Documentation
Before applying, be prepared to provide a government-issued ID (driver’s license, passport, or similar), your Social Security number or ITIN, plus your email, mailing address, and phone number. These details are necessary to verify your identity and complete the application process.
Supported Account Types
Capital One offers several online account options:
- 360 Checking — No monthly fees, no minimum balance, and access to over 70,000 fee-free ATMs.
- 360 Performance Savings — No fees or minimums, FDIC insured, and offers competitive interest rates.
Step-by-Step Application Process
- Visit the Capital One website and select the account type you wish to open.
- Complete the online application by entering your personal and identification information.
- Review and accept the disclosures and privacy policies to start the approval process.
- Once approved, fund your new account—this can typically be done online via another account, debit or credit card.
Mobile & Online Banking Benefits
With your account set up, you can immediately enjoy Capital One’s strong digital offerings, including:
- Top-rated mobile app for managing your money anytime, anywhere.
- Features like mobile (check) deposit, Zelle® payments, bill pay, and automatic savings tools.
Security & Insurance
Your deposits in both checking and savings accounts are FDIC insured, and Capital One provides robust online security measures to protect your account.