Capital One 360 vs Ally

Capital One 360 and Ally are both widely used for everyday banking. The useful difference on November 13, 2026 is not a slogan. Ally's pages displayed numeric APYs. Capital One's checking page did not display a checking APY, and its performance savings page did not display a numeric savings APY. Honesty about a missing rate is the point of this comparison.

This is not a copy of the no-fee checking hub. Checking next to SoFi is in Ally vs SoFi Checking and Savings.

Side by side

| What we checked | Capital One 360 | Ally | | --- | --- | --- | | Legal name on the page | Capital One, N.A., Member FDIC | Ally Bank, Member FDIC | | Bank or fintech | Bank | Bank | | Monthly fee | No monthly fees on 360 Checking. $0 monthly maintenance on 360 Performance Savings | $0 monthly maintenance on spending and savings | | Checking APY | The official 360 Checking page did not show an APY | 0.10% under $15,000, 0.25% at $15,000 or more, accurate as of 11/12/2026, variable | | Savings APY | The 360 Performance Savings page did not display a numeric APY. It said the rate is variable, effective 11/13/2026, and applies to all balances | 3.2% APY, correct as of 11/12/26, variable, no minimum to open or earn it | | Sign-up bonus | None listed on the pages we opened | None listed on the spending or savings pages we opened | | Minimum to open | No minimum balance on 360 Checking. $0 to open or maintain on 360 Performance Savings | $0 minimum opening deposit on savings. No minimum deposit to open the spending account | | Overdraft | No overdraft fees. Options named: Auto-Decline, Free Savings Transfer, and no-fee Overdraft | $0 overdraft fee. CoverDraft up to $100, or up to $250 after a qualifying direct deposit, and it is not a guarantee | | ATM or branch | 70,000+ fee-free ATMs at Capital One, MoneyPass, and Allpoint, including select Target, Walgreens, and CVS. Cafes are not full branches | 75,000+ no-fee ATMs. Up to $10 reimbursed per statement cycle at other ATMs | | As of | November 13, 2026 | November 13, 2026. Rate date November 12, 2026 |

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Capital One: 360 Checking, the savings hub, and 360 Performance Savings. Ally: Spending Account and Online Savings. Application links: Capital One 360 and Ally.

The missing Capital One rate

On November 13, 2026 the 360 Performance Savings heading did not display a numeric APY. A footnote on the same page still failed to show a number, and it said advertised rates are variable and effective as of 11/13/2026. The rest of the page did load. It said $0 to open or maintain, $0 monthly maintenance, and no minimum balance. Interest accrues daily and compounds monthly. The page said the same rate applies to the entire balance, not in tiers. We are not substituting a number from memory or from an older article on this site.

360 Checking said no monthly fees, no minimum balance, and no overdraft fees. It did not show a checking APY. If Capital One is paying interest on that checking account, the page we opened did not display the rate.

What Ally did display

Ally's spending APYs were accurate as of November 12, 2026: 0.10% below $15,000 and 0.25% at $15,000 or more. Variable. Fees may reduce earnings. Savings was 3.2% APY, correct as of November 12, 2026, with no minimum balance to open or earn the APY. The rates page says $0 monthly maintenance and $0 overdraft item fee. Ally allows ten withdrawals per statement cycle besides unlimited deposits and ATM withdrawals, does not charge a fee for going over, and may close the account if you go over more than occasionally.

CoverDraft is not a line of credit and not a guarantee. No overdraft fee. Qualify in most cases 30 days after depositing a total of $100. Coverage is up to $100, or up to $250 after a qualifying direct deposit of at least $250 for two months in a row. If it is not covered, the transaction is declined.

ATMs, cafes, and cash

Capital One lists 70,000+ fee-free ATMs at Capital One, MoneyPass, and Allpoint, including select Target, Walgreens, and CVS locations. It also says you can stop by a Capital One Cafe. The footnote says cafes do not provide the same services as bank branches. They have self-service banking, ATMs, and Ambassadors. The page points to capitalone.com/local. We are not publishing a branch count, because we did not copy one.

Capital One checking says you can deposit cash at a branch or a deposit-taking ATM, or mail a check. The first 50-count checkbook is free. Overdraft choices on the page are Auto-Decline, which generally declines transactions that would overdraft, Free Savings Transfer from savings or a money market account, and a no-fee Overdraft option that covers approved transactions below $0 without a fee.

Ally does not accept cash by mail or at ATMs. The spending page also says you can add cash in the app at participating retailers. Ally's ATM line is 75,000+ no-fee ATMs, plus up to $10 reimbursed per statement cycle at other ATMs nationwide.

360 Performance Savings withdrawals, on the page we opened, are online or at a branch, not by ATM. The page says to transfer to checking if you want to use an ATM. We are not adding a withdrawal-count rule for Capital One savings, because the sentence on the savings hub was incomplete in the copy we saved.

FDIC identity

Capital One's performance savings page says products and services are offered by Capital One, N.A., Member FDIC, and that the account is FDIC-insured up to allowable limits. It also says accounts opened on or after May 18, 2025 count together with other Capital One deposit accounts, including Discover Bank deposits, for FDIC coverage. FDIC BankFind, November 13, 2026, lists Capital One, National Association, certificate 4297, as active in McLean, Virginia. That is the certificate that matches Capital One, N.A. We are not citing a closed older certificate.

Ally Bank, Member FDIC, is certificate 57803, active, Sandy, Utah.

Neither bank's page is a reason to treat a savings APY as guaranteed. Insurance covers the failure of the insured bank under FDIC rules. It does not cover a rate.

No sign-up bonus was listed on the Capital One or Ally pages we used for this comparison, as of November 13, 2026.

What to do with a blank rate

A blank APY is a result, not a placeholder. On November 13, 2026 Capital One's performance savings page loaded the fee lines, the compounding line, the legal name, and the effective date. It did not load a number. Publishing a number from a review written on another day would make this page wrong on purpose. If you are on that page and you see a percentage, that percentage is newer than this article. Use it, and note the date next to it. If the number still does not appear, call or chat with Capital One and ask for the current APY and the date it is effective. Keep the reply.

360 Checking can still be a fit if you want the $0 monthly fee, the $0 overdraft fee, and the ATM network the page describes, and you do not need a displayed checking yield. Ally's spending page is the one that showed 0.10% and 0.25%. Those yields are small next to either bank's savings APY. Do not pick a checking account because of a tenth of a percent if the savings account is where the balance will sit. Do pick a checking account because of fees, ATM reimbursement, and whether you can deposit cash the way you actually get paid.

Cash is a real split. Capital One checking describes a branch, a deposit-taking ATM, or a mailed check. Ally says it does not take cash by mail or at an ATM, and it describes adding cash in the app at retailers. If your income arrives as cash, read those sentences before you close an account that accepts a teller deposit. A cafe is not a promise of teller service. Capital One's footnote says cafes do not provide the same services as branches.

Insurance is not the missing rate. Both legal entities were active in BankFind on November 13, 2026. Capital One's own sentence about accounts opened on or after May 18, 2025, including Discover Bank deposits, means balances at those related deposit accounts can count together. If you still hold a Discover deposit and you open Capital One, ask Capital One how those balances are added before you assume two separate $250,000 limits.

How we update this page

If the Capital One rate slot loads a number later, this page should be updated from that page, with a new date. Until then the cell stays blank on purpose. The methodology is the process. The personal accounts hub is where the broader list lives.