Every option the agent weighed
360 Checking Capital One · selected
All four required facts confirmed on Capital One's own product and disclosure pages with no contradicting fee found.
- fee: No monthly fee, stated unconditionally: 'There are no monthly fees with a Capital One 360 Checking account.' capitalone.com not the brand’s own page
- minimum: No minimum balance to open, keep, or use the account; no minimum deposit required. capitalone.com not the brand’s own page
- exit: The official fee disclosure/fee-schedule page lists no fee for closing the account; only optional-service fees (cashier's check, outgoing wire, printed checkbook) are mentioned anywhere on the fee pages. capitalone.com not the brand’s own page
- support: Phone support daily 8am-11pm ET at 800-655-2265, plus in-person help at Capital One Cafés/branches. capitalone.com not the brand’s own page
Unresolved: whether checking-account applicants are screened via a credit bureau vs. ChexSystems only (soft preference, not checked)
Chase Total Checking JPMorgan Chase · rejected
Monthly $15 fee exists and is only waived under conditions (deposits/balance/linked account), failing the 'no fee under any condition' requirement.
- fee: $15 monthly service fee, waived only if: $500+ qualifying electronic deposits per statement period, OR $1,500+ beginning-day balance, OR $5,000+ average combined balance, OR linked qualifying account. chase.com not the brand’s own page
- minimum: No explicit minimum balance to open stated on the fee page, but $1,500/$5,000 balance thresholds are used to avoid the monthly fee. chase.com not the brand’s own page
- support: Approximately 5,000 branches and phone support (1-877-68CHASE / 1-800-935-9935) available. no source not the brand’s own page
Unresolved: exit (closure fee) - not explicitly confirmed absent or present on a directly read fee page
Interest Checking / Spending Account Ally Bank · unresolved
Fee, minimum-balance, and phone-support requirements were confirmed on ally.com, but the closure-fee requirement could not be established from any Ally-authored source; a third-party snippet raised ambiguity that Ally's own pages did not resolve.
- fee: 'No monthly maintenance fees, overdraft fees or minimum balance for you.' ally.com not the brand’s own page
- minimum: No minimum balance requirement stated on the same page. ally.com not the brand’s own page
- support: 'Talk to a human 24/7' by phone at 1-877-247-2559; no physical branches exist (online-only bank), but phone support satisfies the 'phone or branch' requirement. ally.com not the brand’s own page
Unresolved: exit (closure fee) - Ally's own 'how to close a bank account' guide gives only generic bank advice ('you might have to pay for other accounts...') without stating Ally's own policy; a search snippet suggested a possible closure/transfer fee but this was not confirmed on an Ally-authored page
Confidence
Observed: a single journey.
Provenance
Every journey run on the live web. Every source, belief and decision published. Scorer version 4; model cost 0.36 USD.