Capital One Bank — Frequently Asked Questions

General Banking Questions

• • 1.
  • Do I qualify for a Costco member incentive? How do I get it?
• Costco Executive members receive a $60 member incentive while Gold Star and Business members receive a $20 member incentive as long as:
  • You are a Costco member at the time you open your account
  • You are opening your first Capital One deposit account of any kind through the Costco program
  • You deposit at least $5,000 into your account within 30 days of account opening (all certificates of deposit meet this criteria)
  
  The member incentive will be credited to your account as interest income 4-6 weeks after you fund your account and may occur as two partial interest credits.
• • 2.
  • Are deposits FDIC insured? How do I know my money is secure?
• Capital One Bank (USA), N.A., and Capital One, N.A., are both FDIC members. Our FDIC certificate numbers are 33954 and 4297, respectively. All deposits in each Capital One banking institution are separately FDIC-insured up to $250,000 per depositor, per ownership category.

  In addition, Capital One is a leader in financial services, offering a broad spectrum of products and services to consumers, small businesses and commercial clients. We have more than $100 billion in total deposits because of the level of trust we’ve built with our customers.

  You can learn more about Capital One Bank (USA), N.A. at the FDIC website, www.fdic.gov, by searching for "Capital One Bank (USA), National Association" using Bank Find.

• • 3.
  • How can I "maximize" my FDIC insurance to the maximum amount allowable by law?
• Since the FDIC considers Capital One's two subsidiary banks as two separate institutions, any funds held in Capital One Bank (USA), N.A., are insured separately from funds held in Capital One, N.A., and vice versa.

  The FDIC also determines insurance coverage in the same institution by ownership categories. Your deposits in each Capital One institution are FDIC-insured up to $250,000 per depositor, per ownership category.

  Individual and joint accounts are insured separately. For example: if you have an individual account and a joint account with your spouse, total deposits for you as a couple can be insured up to $750,000 (up to $250,000 in your individual account, and up to an additional $250,000 per spouse in the joint account).

  Corporate and partnership account deposits are also insured up to $250,000, and are insured separately from the personal accounts of the entity's stockholders, partners, or members.

  Note that InterestPlus Online Savings accounts can only be opened in Capital One Bank (USA), N.A. For information on maximizing FDIC insurance in this institution only, read Question 4 in the InterestPlus Online Savings account Top 10 Questions and Answers.

  Please note that Capital One Bank (USA), N.A. is participating in the FDIC’s Transaction Account Guarantee Program. Under this program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under this program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. What this means for you is that if you already have a non-interest bearing transaction account, such as a Branch bank checking account, that account is separately insured from any other accounts you have at either institution through June 30, 2010. Noninterest-bearing transaction accounts are only available through Capital One, N.A. branches at this time.

  This is summary information only. For additional FDIC insurance information, we encourage you to visit the FDIC’s website for more information - www.fdic.gov, or call 1-877-ASK FDIC (1-877-275-3342) - Hours of operation: 8 a.m. - 8 p.m. ET, Monday – Friday.

• • 4.
  • What are Capital One Bank (USA), N.A. and Capital One, N.A.?
• Capital One Bank (USA), N.A., and Capital One, N.A., are both wholly-owned banking subsidiaries of Capital One Financial Corporation. All deposits in each Capital One institution are separately FDIC-insured up to $250,000 per depositor, per ownership category.

  You can learn more about these institutions at the FDIC website, www.fdic.gov, by searching for "Capital One National Association" using Bank Find.

• • 5.
  • Who do I call regarding questions about my existing account?
• 1-888-810-4013
  24/7 automated information service.

  Banking representatives are available:
  Monday through Saturday, 8:00 a.m. to 12:00 midnight ET
  Sunday, 12:00 noon to 12:00 midnight ET

  Online Banking Customer Service: 1-877-442-3764

  Capital One Bank
  P.O. Box 4199
  Houston, TX 77210-4199

• • 6.
  • What routing number do I use for Direct Deposit or Automated Clearinghouse (ACH) transfers?
• If you have checks with your Capital One Bank account: You can quickly find the routing number by looking at a check (make sure you are looking at a check, not a deposit slip). The routing number is the first 9 numbers at the bottom left of your check. This number is always 9-digits.

  The routing number for your account depends on which bank institution (sometimes called "entity") your account is held in. So if you don’t have checks with your Capital One Bank account, or can’t find your checks, you can look at your most recent paper or online statement to find out which bank institution your account is held in, and then use that information to find your routing number below. The bank institution is located to the right of your account number on your statement. If you haven’t received a statement yet or can’t find your routing number, give us a call at 1-888-810-4013.

  • Capital One Bank (USA), N.A.: 051405515
  • Capital One, N.A.: 056073502

  **Note that branch bank account routing numbers are different. If you don’t have checks with your branch bank account, please contact customer service**

• • 7.
  • What routing number do I use for wire transfers?
• The routing number for your account depends on which bank institution (sometimes called "entity") your account is held in. So you can look at your most recent paper or online statement to find out which bank institution your account is held in, and then use that information to find your routing number below. The bank institution is located to the right of your account number on your statement. If you haven’t received a statement yet or can’t find your routing number, give us a call at 1-888-810-4013.
  • Capital One Bank (USA), N.A.: 051409375
  • Capital One, N.A.: 056073612

  **Note that branch bank account routing numbers are different. If you don’t have checks with your branch bank account, please contact customer service**

• • 8.
  • What does it mean that Capital One Bank's call center for online banking products has been certified for providing "An Outstanding Customer Service Experience" by J.D. Power and Associates?
• To become certified, the call center successfully passed a detailed audit of its recruiting, training, employee incentives, quality assurance capabilities, and management roles and responsibilities. As part of its evaluation, J.D. Power and Associates conducted a random survey of Capital One Bank customers who recently contacted the call center. For certification status, a call center must perform within the top 20 percent of customer service scores, which is based on benchmarks established in J.D. Power and Associates cross-industry customer satisfaction research. The evaluation criteria include courtesy; knowledge; concern for the customer; usefulness of the information provided; convenience of operating hours; ease of reaching a representative; and timely resolution. For J.D. Power and Associates Certified Call Center Program^SM information, please visit www.jdpower.com.