Capital One 360 Checking Advice

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Is Capital One an actual bank?

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Wikipedia:

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Capital One is the eighth-largest commercial bank in the United States when ranked by assets and deposits.[4] and is ranked 10th on the list of largest banks in the United States by total assets. The bank has 755 branches[4] including 18 café style locations[5] and 2,000 ATMs. It is ranked #100 on the Fortune 500,[

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Yes it is and I have had one for awhile. I was originally an ING Direct customer for several years. ING sold ING Direct to Capital One back in 2012 and re branded it as Capital One 360.

Though I don't use it as my primary checking anymore. I use it now only for Venmo, Paypal, and Zelle payments.

I use 360 checking and yes it works the same as any other checking account. All Capital One branch locations can process any in-person servicing you need.

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I am not sure if I should trust a credit card company with my checking account?

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Huh? I think of Capital One as a bank first and foremost, that also dabbles in credit cards. Not sure why their having credit cards would make them untrustworthy as a bank

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Is Capital One an actual bank?

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Yes..where are you from? I thought Capital One was pretty big nationally as far as brand recognition and locations go

It is real

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as a credit card company. banks mainly in the southern part of u.s. kind of like dairy queens up north just have ice cream

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Branch presence is concentrated in Louisiana, Texas, DC & NYC as a result of them purchasing 3 separate regional banks at different times - Hibernia (LA & TX), Chevy Chase Bank (DC), Northfork Bank (NYC)

We use their business products. Spark is 2% cash back, savings account pays over 1%, and checking is free.

I prefer chase for personal banking. Better reward cards too.

Is this a legitimate question? They are one of the largest banks in the country and all accounts are FDIC insured. 360 accounts are their online platform.