Hi all. I opened my 360 checking account earlier this year, in March. I never received a debit card. No notification, no tracking, no emails, nothing. When I go in the app, it says what I took a screenshot of. What may have caused this?

I just opened an account online, downloaded the app, and received an email with my account confirmation etc. But nowhere in the email does it say anything about the debit card that should come with the new account. Sorry if this post is the wrong place. I’m still getting used to reddit as I don’t use it often. Thank you.

Anyone know if they have come out with a new design of the debit card or is it still that hideous silver sparkly one that looks like an 8 year old girl designed it?

I just opened a 360 checking and savings account before starting my new job, looking to take advantage of the $250 offer. I can't find any information on requesting a debit card. When does this usually happen?

Thanks!

Thinking of maybe opening a second checking account since capital one is doing a $250 promotion. Anyone use this?

For those with joint accounts, do both of you receive RENEWAL debit cards? I didn’t , only hubby did.

I looked at my mobile app and my account info shows me as secondary account holder.

There are “replace missing card” and “replace damaged card” options but I don’t see an option to specify that it’s just my card I want to request (and not the primary account holder’s card).

I really don’t like that COne doesn’t have secure email where this would be just one email consisting of two sentences (love Chase for this) instead of digging through their phone customer service and it would take way way more than 10 minutes on the phone to resolve. Eno help is useless.

Simple as that. Some reason I can only do it for my credit card with them, but I havent called and asked yet.

TIA

I just got an email that Capital One is switching debit cards to Discover, I've never had a Discover card before. Are they as accepted as Mastercard, at least in the US?

UPDATE 12/2/25: Capital One sent me a notice that my Mastercard Debit card will stop working on 1/16/26. So looks like I'll be switching banks before then.

I opened a 360 Checking for the 250 bonus last week, and got my debit card today. My wife has her own account and I knew what the debit card looked it, but to my surprise, the word ‘Debit’ on my card was now all capitalized and placed directly under the chip, and the Mastercard logo was removed from the front of the card. When I turned the cars around, that’s when I realized I received the new Capital One Discover Debit card.

Along with the paperwork I got for the card was the benefits guide . . . The Capital One Debit Mastercard benefits guide 🤦‍♂️

Good evening folks, I recently opened a new, joint capital one 360 account. This is my second 360 checking account (let’s call it account B). I already had another 360 checking account (let’s call that account A). The problem I ran into when I was trying to use a Capital One ATM is that I can only access account A through the ATM machine, no options to access account B. I tried multiple times, but the ATM machine does not show any options for account B. I called the customer care, was told that I can have only 1 debit card and access only 1 account through the debit card (at the ATM). The online portal shows both accounts without any issues (and the credit card account as well), but as per customer care, I cannot access account B through my debit card at all. This sounded very strange. I was expecting that they would link both accounts to my debit card (that was issued when I opened account A) or may be send me another debit card for account B. The terms and conditions from 5/20/20 states otherwise though- “automatically link each additional 360 checking account to the debit card”.

What’s your experience? What action do you recommend?

My fiancé and I opened a joint checking account about a year ago with capital one. We were supposed to receive two cards after opening the account, one in my name, the other in hers. My card came, hers did not.

We have called numerous times saying they need to send another card in her name and they repeatedly tell us there can only be one card on the account. It was something to do with the fact that we have other accounts but I don’t get that. I have two capital 1 cc’s, and I believe she has one as well, though I’m not sure.

We’re about to pull our money out and close the account because sharing one card for a joint account is really screwing up our finances, cause whoever doesn’t have it has to reimburse themselves all the time.

So A, is this true? Is capital one just crazy and won’t let you have two cards?

B, where do you advise we take our money. Somewhere we can have a card in my name, and a card in her name for a checking account.

EDIT: I actually searched relatively extensively on the answer to this prior to posting but it seems I’ve now found it.

If you(on person) have two checking accounts with capital one, they will only issue you a single debit card to be used for both accounts. They expect you to use the app to switch which account the card draws money out of when you swipe.

https://reddit.com/r/personalfinance/s/CuTU9Jpb52

https://www.capitalone.com/help-center/checking-savings/eligible-debit-accounts/?v=1694217600100

I should have read more carefully in the past. Thanks for the help guys! I’ll be moving my money.

I just called to order a debit card for my 360 Performance Savings and was told they no longer offer one.

The branch by my house closed and I completely understand that move. So, as you close locations why not offer Debit cards.

This makes no sense to me. Look forward to a better understanding.

First of all, I recently opened an account with zeta and I’m genuinely happy with them overall. However, since I’ve been burned twice now…I’m looking at backup plans.

Im thinking I can open up a bunch of savings accounts with capital one that I have one monthly transaction (so I don’t go over the 6 transactions per month limit) and that way I would have made my own makeshift “one finance” account. The only thing I would be missing is the ability to assign a card to a pocket…but I only need that for groceries and gas a majority of the time anyway.

Any thoughts from the crew would be appreciated.

ETA: Thanks everyone for your insights. fidelity cash management is my backup plan. I spoke with their CS today. They offer UNLIMITED subaccounts (and they can be joint accounts) with their own debit cards. The only con I see outside of a typical online bank is that you can’t change the order in which you view your accounts.

Honestly, if I hadn’t just moved everything a month ago, I would just move to this option now because fidelity isn’t going anywhere lol.

I’ve been debating between opening a Capital One 360 or a Discover checking account (the one with the 1% cashback). I’ve already looked into the features, but I’m more interested in how they actually work day to day.

If you’ve used either one or both, what was your experience like? How’s the app? Any issues with transfer times, fraud alerts, ATM access, or customer service?

Capital One has the advantage when it comes to physical locations and ATMs. Discover’s cashback sounds good, but I’m not sure if it ends up being worth it or if there are any restrictions they don’t really advertise.

If you’ve used both, which would you recommend and why? I would appreciate any insight and thanks in advance!

We just switched from BofA to Capital one. My husband and I have each their own account and we have one joint account. I just found out that capital one won't send you a second debit card!! WTF. With BofA I had my personal account and the joint and two cards.

For example we pay our groceries with our joint account. Now I have to switch back and forth online to switch between accounts when I want to use my debit card. That's ridiculous! Also, not all company's allow auto pay from your routing and account number so you have to enter the debit card. How am I supposed to do that if I only have one card for both accounts!?

Was anyone able to get two debit cards from them?

Considering both their checking and savings accounts. Do you recommend these accounts? Why or why not? Advantages and drawbacks?

Can anybody comment on using the debit card internationally? Are fees that may be incurred minimal?

I currently get my direct deposit paychecks (every 2 weeks) into a bank that is not by capital one and I use that to pay off my credit cards with C1. I'm considering ditching that and starting a 360 Savings or a 360 Checkings, or both, so that I can consolidate everything with C1 (and C1 offers a high APY with their savings account) so that I have one less bank to deal with.

My question is I want to get my paycheck direct deposited into the 360 savings so I can earn that interest, but am I able to use that money to pay my C1 credit cards or will I need to move the amount of money needed to 360 Checkings and THEN schedule a payment?