Quick answer
Capital One’s current 360 Checking application materials explicitly list the Tax ID Number as SSN or ITIN. The account has no minimum balance required to open or maintain it, but the account is still subject to eligibility and approval.
Identify the exact scenario first
Confirm 360 Checking is the product you want; then gather name, date of birth, mailing/contact information, employment/income information, tax ID and citizenship information requested in the current application. Keep product eligibility separate from the fact that the form accepts SSN or ITIN.
Published rules
Capital One’s current 360 Checking page lists SSN or ITIN as the Tax ID Number used in the application. It states that the account can be denied based on varied factors and that, after approval, the customer has a funding period. The product page also says there is no minimum balance required to open or maintain 360 Checking.
Decision path
Supported identity/tax-ID flow → proceed with the digital application. Verification problem → follow Capital One’s identity/application instructions; do not interpret a failed verification as an ITIN ban. Denial → save any notice and use the generic checking-account-denial workflow if a consumer report or other reason is identified.
What to do next
Use the exact legal name/address/tax ID associated with your documents. Re-check live account terms before publishing or relying on fees/rates, because rates and promotions can change more often than identity requirements.
Important limits
ITIN acceptance does not guarantee approval. The no-minimum rule described here concerns 360 Checking; other products need their own disclosures. Advertised rates can change.
Sources and freshness
Last verified: October 7, 2026.
Rules and service limits can change. Use the linked agreement for your account and the notice shown for this transaction; if they differ, ask the institution to explain which provision applies.
Application checklist
Confirm you are applying for 360 Checking, then gather legal identity/contact, employment/income, citizenship and the Tax ID Number the current application requests. Capital One explicitly lists SSN or ITIN for this product. Re-check current account terms separately from any rate or promotion.
FAQ and nearby scenarios
Does Capital One accept ITIN for 360 Checking? The current product application lists SSN or ITIN. Does that guarantee approval? No. Is there a minimum balance to open/maintain 360 Checking? The current page says no. Does that mean every Capital One deposit product has no minimum? No. If identity verification fails, does that mean ITIN is prohibited? Not necessarily.
What to keep if denied
Save any application error/adverse-action notice and determine whether the failure is identity verification, eligibility or a consumer-report decision before applying repeatedly.
Related guides
Capital One: /institutions/capital-one/
Opening a bank account: SSN, ITIN, identification, address and funding requirements: /problems/account-opening-requirements/