Capital One Now Has Savings Buckets

Varsity_Lu · ‎03-16-2026

Saw this on the app today.

Screenshot_20260316-155527-779.png

You can create up to 30 sub accounts (buckets) in a single 360 Performance Savings account.

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MeowingTheCat · ‎03-16-2026

@Varsity_Lu wrote:
Saw this on the app today.

Screenshot_20260316-155527-779.png

You can create up to 30 sub accounts (buckets) in a single 360 Performance Savings account.

Ally Bank has this similar for a while now. I wish 360 Checking account has bucket.

Vinjints · ‎03-16-2026

It seems this would be easy enough to setup on the banks end. Wish more places had this option.

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RobertS2 · ‎03-16-2026

Better late than never, I guess!

Varsity_Lu · ‎03-16-2026

@RobertS2 wrote:
Better late than never, I guess!

Come on, now. As far as I know only 2 banks do this: Ally and Cap One. I mean, if every bank did it and Cap One finally added it, then your comment would work.

FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver

Vinjints · ‎03-16-2026

What's the story with their savings accounts? It seems like their standard savings rate blows away any other basic savings account. Are there any special rules with the account, such as limits of transactions per month, checking account requirements, DD?

NFCU Flagship (Daily Driver) | USAA Rewards (1999 Hooptie)

AmEx BCP (Groceries) | Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 780 | EQ(F8) 802 | TU(F8) 796 | EQ(BC8) 810 | EX(10T) 782

MeowingTheCat · ‎03-16-2026

@Vinjints wrote:
What's the story with their savings accounts? It seems like their standard savings rate blows away any other basic savings account. Are there any special rules with the account, such as limits of transactions per month, checking account requirements, DD?

HYSA has higher rate because vast majority of that is online without branches that would cost them to maintain the branches. Example includes Capital One, Ally, Discover (no longer accepting new bank application), SoFi and others. They they often have no fees but some may have excessive withdrawal fees if go over the limit.

They're no special rules to get HYSA. Just need to fund the account to get HYSA, that's it.

Vinjints · ‎03-16-2026

I did not realize cap one was an online bank. Please carry on with the discussion.

NFCU Flagship (Daily Driver) | USAA Rewards (1999 Hooptie)

AmEx BCP (Groceries) | Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 780 | EQ(F8) 802 | TU(F8) 796 | EQ(BC8) 810 | EX(10T) 782

ptatohed · ‎03-16-2026

Sallie Mae has had buckets for as long as I can remember.

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US Bank Smartly (v1.0)

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Welcome Offer / credits only:
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Hotel card:
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On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

TrapLine · ‎03-17-2026

Huh ... savings buckets struck me to mean, now you are limited like some credit cards ...

Glad it was otherwise!