ING Direct (now Capital One 360)

Founded in the Netherlands, ING began operating under its former name in 1991 when Nationale-Nederlanden and NMB Postbank Group merged. ING entered the U.S. banking market in 2000 with ING Direct.

In 2012, Capital One acquired ING Direct. And in 2013, ING Direct was rebranded as Capital One 360.

Capital One 360 relies primarily on Internet banking. But while the bank is founded on using Web-based banking, it does have 11 regional "cafe" locations where customers can browse the Internet and talk to representatives about different account options. The cafes are located in Boston; Brookline, Massachusetts; Cambridge, Massachusetts; Chicago; Los Angeles; New York; Philadelphia; San Francisco; and St. Cloud, Minnesota. The bank also provides free access to more than 38,000 ATMs throughout the country.

A member of the FDIC and headquartered in Delaware, Capital One 360 offers a variety of personal banking services.

Personal online banking with ING Direct (now Capital One 360)

  • Savings.
  • Checking.
  • CDs.
  • Investments -- online brokerage services.
  • IRAs and 401(k)s.
  • Mortgage lending.

Paperless checking with ING Direct (now Capital One 360)

While many big banks now offer paperless checking and online bill payments, ING Direct was one of the first banks to unveil an eco-friendly and low-cost alternative to traditional checking accounts with its Electric Orange. Capital One 360 has continued this service for its customers. Customers can pay bills, send a paper or electronic check and transfer money securely online.

Everyday accounts that yield returns

Capital One 360's electronic banking model comes with savings and checking accounts that carry no hidden fees or minimums, same as the former ING Direct. And the bank provides competitive rates on its products. Even checking account customers can benefit from competitive yields.

Compare checking account rates in your area with our checking account comparison tool.

The 360 checking account also offers a MasterCard debit card, mobile check deposits and overdraft protection.

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

The Capital One 360 corporate headquarters is located here:

802 Delaware Ave.
Wilmington, DE 19801

To reach Capital One 360 corporate headquarters, customers can call (800) 464-0727. To find a list of cafe locations and telephone numbers, go to


Show Bankrate's community sharing policy
          Connect with us


Mike Cetera

Zelle is the big banks’ answer to Venmo

A consortium of 19 banks and credit unions has formed a new payments network that will allow consumers and businesses to transfer money instantly using their existing banking apps.  ... Read more

Connect with us