| Foundation year: | 1988 |
| Founder | Richard Fairbank, Nigel Morris |
| Key People | Richard Fairbank (Chairman, President, and CEO) | R. Scott Blackley (CFO) | Stephen S. Crawford (Head of Finance and Corporate Development) |
| Headquarters: | Richmond, Virginia |
| Website: | https://secure.capitalone360.com/ |
| Mobile app: | Android/Apple |
| ☎ Telephone number: | +1-800-464-3473 |
| Routing number: | 051405515 |
| SWIFT code: | HIBKUS44 |
| ? Number of employees: | 49,300 |
| Number of locations: | More than 39,000 ATMs of Capital One and AllPoint |
| ATM locator | Find here |
| Bank’s Rating |
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Capital One 360: Introduction
Before you learn more about the Capital One 360 online banking program, you may have a wish to find out about the history of this bank. And, indeed, the history of Capital One is quite striking, as, unlike the banks of the Big Four (such as Wells Fargo, for instance), this bank cannot boast to have a long history.
Actually, the bank originated in 1994, when OakStone Financial, a credit card division of Signet Financial Corp, announced a spin-off from its parent company. Though, the foundation year is considered to be 1988 – the time when the Signet Financial Corp (nowadays it tends to be a division of Wells Fargo, by the way) was founded. As a result, OakStone Financial was renamed into Capital One and, shortly after this rebranding, it became fully independent.
At the time when Capital One became fully independent, it served only one financial product to its customers: it provided credit cards. Despite that, the company has succeeded to expand into the Canadian market already by 1996. In 1998, Capital One entered another niche and started its expansion into auto loans – today, it is one of the largest American lenders of car loans.
It was the year 2005, however, when this company decided to enter the market of retail banking. Initially, it served subprime customers, yet decided to cover all the types of retail customers after a global financial crisis broke out. In 2011, ING Group, a Dutch multinational financial company, decided to sell its division ING Direct for $9 billion. After Capital One incorporated this division into its business, the company renamed it into Capital One 360. Today, Capital One 360 appears to be the main retail banking division of this bank.
As of the present time, Capital One tends to be the third-largest issuer of credit cards in the world, being beaten only by Chase Bank and Citi Bank. Currently, the bank employs almost 50 thousand workers, and the entire bank is divided into three divisions: commercial banking, consumer banking (home mortgage and auto loans are its subdivisions), and credit cards. In 2017, the revenues of this bank exceeded $27 billion, while it has been ranked 101th in the Fortune 500 list. Today, this bank occupies a place in the top 20 best companies to work for in the United States.