Deposits · August 2026
Capital One details checking fees while its savings rate reads NaN
An AI agent ran five ordinary deposits tasks on the public pages of Capital One and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Bank
36/100
Mystery Agent score
Deposits · rank 22 of 25
Savings rate
15Arrives after scripts
Checking comparison
85Served as text
Fee schedule
50Partly served
Routing number
15Arrives after scripts
Application page
15Arrives after scripts
Summary
- Capital One's 360 Checking and Teen Checking pages match on fees: no charges to open, keep, or use either account.
- An automated reader found dollar figures on the 360 Checking disclosure page, a $10 cashier's check fee and a $30 wire fee.
- Capital One could resolve its savings APY calculation before serving the page, replacing the current NaN placeholder with a real number.
Capital One also appears in the Credit Cards study, where it scores 67 and ranks 17 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings rateArrives after scripts15 out of 100
An automated reader visiting the 360 Performance Savings page found the interest rate rendered as the literal text NaN APY, since the client-side rate template resolves only after scripts run in a browser.
Task 02Checking comparisonServed as text85 out of 100
The checking pages state that 360 Checking and MONEY Teen Checking both carry no fees to open, keep, or use, and no minimum balance; Teen Checking adds parental controls for ages 6 and up.
Task 03Fee schedulePartly served50 out of 100
An automated reader found the 360 Checking disclosure page listing a $10 cashier's check fee and a $30 wire fee, while the consolidated schedule is available at a banking office, by email, or by phone.
Task 04Routing numberArrives after scripts15 out of 100
An automated reader found the dedicated help page instructing readers to sign in to online banking or the mobile app, while a wire transfer page states plainly, please call for help with your routing number.
Task 05Application pageArrives after scripts15 out of 100
An automated reader requested the Open Account page and received an Angular application shell measuring 3,599 bytes; stripped of scripts, only 19 visible characters remained, the page title, with zero input fields present in the response.
The wire transfer help page states plainly: please call for help with your routing number.
The application page
What the account opening page states to a reader that runs no scripts.
3,599Bytes delivered
19Characters of visible text
0Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- The two checking products publish complete, matching fee and waiver text (no fees to open, keep, or use; no minimum balance) plus a clear plain-text differentiator: 360 Checking is a general adult account with a tiered interest structure, MONEY Teen Checking is built for ages 6 and up with parental controls.
- The 360 Checking account disclosure page is genuinely dense with real dollar figures delivered as plain text: cashier's checks at $10 in-branch and $20 online, a $30 outgoing domestic wire fee, a $15 incoming wire fee on certain tiers, and specific ATM and deposit limits, well beyond marketing copy.
- The site's sitemap structure (root, bank, and help-center sitemaps) is clean and segmented by product line, which let this run locate the teen checking page and the routing-number help article efficiently without guessing URLs.
Opportunities
- Resolve the APY calculation before serving the page, or provide a static fallback number, so the savings page and the checking disclosure page stop showing the literal text 'NaN APY' to any reader.
- Publish the routing number as plain text on a public help page. Today the routing-number article and the wire-transfer article both direct the reader to sign in or call, which withholds a routine, non-sensitive fact from the public web.
- Post the complete Fee Schedule as a public PDF or HTML page. The disclosure text currently states it is available only at a banking office, by email request, or by phone, even though many of its underlying fees already appear elsewhere on the site.
- Publish a working llms.txt file. The current URL 404s and redirects to a generic not-found page, so there is no documented entry point for agent traffic.
- Server-render a short summary of the Open Account application page, product name, required documents, and eligibility basics, so a plain GET carries some substance before the application bundle loads.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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