With a relatively short history, Capital One has quickly grown into one of the 10 largest banking organizations in America based on total deposit amounts. Founded in 1988, Capital One recently expanded its reach with the 2009 acquisition of Chevy Chase Bank. Now, Capital One operates an estimated 1,000 retail banking locations and more than 2,000 ATMs in six states and the District of Columbia: New York, New Jersey, Texas, Louisiana, Maryland and Virginia.

Headquartered in suburban Washington, D.C., Capital One does not charge a fee for ATM use. However, the company does not reimburse ATM fees from other banks for its customers.

Personal banking and lending with Capital One

  • Credit cards.
  • Savings accounts.
  • Checking accounts.
  • Home loans.
  • Auto loans.
  • Personal loans.
  • CDs.
  • Online and mobile banking.
  • Small business accounts and lines of credit.

Capital One credit cards

As the fifth largest issuer of credit cards in America, Capital One is known for offering a diverse range of consumer credit cards. While Capital One does offer some cards with low APR rates for customers with excellent credit, the majority of the company’s 21 cards are geared toward those with average credit scores or limited histories of credit activity.

Direct Banking with Capital One

Customers can use Capital One’s Direct Banking system, which includes three online account options: savings, high-yield money market and rewards money market. For customers outside of the Capital One retail banking districts, these online services include free account transfers to other bank accounts outside of Capital One.

See the most recent bank ratings by checking Bankrate’s Safe & Sound.

The Capital One corporate headquarters are located here:

1680 Capital One Drive

McLean, VA 22102

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