![]() No minimum checking balance or annoying fees For instance, you won’t have to jump through hoops like setting up direct deposit or conducting a certain number of monthly transactions to earn the advertised APY.Īside from a generous interest rate, 360 Performance Savings makes it easier to save money with digital tools that help you establish a budget and track your financial goals and no “gotcha” fees. The APY is variable, like all savings accounts, but Capital One doesn’t have a bunch of fine print that can hamper your ability to save. The 360 Performance Savings account doesn’t have minimum balance requirements, monthly maintenance charges or overdraft fees. The unusual combination is a big reason we named this account the Best Savings Account for 2023. Its generous APY is similar to those offered by online-only banks, although Capital One has several hundred traditional branches.
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