Atlas › Bank

Capital One 360 Checking: overdraft fee & grace period

Checked against Capital One’s own pages on October 26, 2026. 4 facts verified.

Forgiveness score 6 of 11no feeoverdraft offcard lockhelpful features
Overdraft fee
No overdraft fees, no monthly fees, no minimums.
Source: capitalone.com/bank/checking-accounts/online-checking-account/
Can you turn overdraft off?
Choose Auto-Decline, Free Savings Transfer, or no-fee overdraft.
Source: capitalone.com/bank/checking-accounts/online-checking-account/
Card lock / blocking
Debit card lock/unlock.
Source: capitalone.com/bank/checking-accounts/online-checking-account/
ADHD-friendly features
Real-time alerts.
Source: capitalone.com/bank/checking-accounts/online-checking-account/

Not applicable here: Late fee, Grace period / breathing room, First late fee waived?, Autopay.

“Not confirmed” means we couldn’t verify it on an official page, not that the feature doesn’t exist. Not financial advice: always check the source, since your own account terms may differ.

Report a change Estimate your ADHD tax