About Capital One
The online banking unit of Capital One Financial Corp offers checking, savings and money market accounts as well as certificates of deposit. Richard Fairbank and Nigel Morris started building Capital One (then as a unit of Signet Bank) in 1988. In 1994, Capital One spun off under its name, offering credit cards. In 2012, Capital One acquired ING Direct and rebranded the well-regarded online lender as Capital One 360.
This bank is ideal for people looking for a full-service online bank, with a wide network of no-fee ATMs and some access to physical branches. People looking for the highest available rates on savings products may want to look elsewhere.