 | | General Direct Banking Questions | | 1.
| What is Direct Banking? |
| | Direct Banking is Capital One's way of bringing you a variety of FDIC-insured savings accounts that earn great interest without you ever having to step into a bank - you access your account online or over the phone. You are banking "directly" with us, so we can offer money market accounts with more competitive rates than traditional branch banks. And it's easy to get in touch with us; our Direct Banking Experts are available over the phone six days a week, or you can log into Online Banking and send a secure message.
You can feel safe with us. Capital One, among the country's largest deposit institutions, 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. | | Back to top | | 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 now separately FDIC-insured up to $250,000 per depositor, per ownership category. This increase to $250,000 has been extended through December 31, 2013.
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 these institutions at the FDIC Web site, www.fdic.gov, by searching for "Capital One National Association" using Bank Find. | | Back to top | | 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 now FDIC-insured up to $250,000 per depositor, per ownership category. This increase to $250,000 has been extended through December 31, 2013.
Individual and joint accounts are insured separately. For example: if you have both an individual account and a joint account with your spouse in each of our institutions, total deposits for you as a couple can be insured up to $1.5 million (up to $250,000 in each of the individual accounts, and up to an additional $250,000 per spouse in each of the joint accounts).
Corporate and partnership account deposits are also insured up to $250,000 at each institution and are insured separately from the personal accounts of the entity's stockholders, partners, or members.
Please note that Capital One, N.A. and Capital One Bank (USA), N.A. are participating in the FDIC’s Transaction Account Guarantee Program. Under this program, through December 31, 2009, 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 December 31, 2009. 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 Web site, www.fdic.gov, or call 1-877-ASK FDIC (1-877-275-3342) - Hours of operation: 8:00 a.m.–8:00 p.m. ET, Monday–Friday. | | Back to top | | 4.
| What are Capital One Bank (USA), N.A. and Capital One, N.A.? What's the difference? |
| | 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 now separately FDIC-insured up to $250,000 per depositor, per ownership category. This increase to $250,000 has been extended through December 31, 2013.
You can learn more about these institutions at the FDIC Web site, www.fdic.gov, by searching for "Capital One National Association" using Bank Find. | | Back to top | | 5.
| What are your routing numbers? |
| The Capital One Bank (USA), N.A. routing number is Wire-051409375 ACH/Direct Deposit 051405515.
The Capital One National Association ( N.A.) routing number is Wire 056073612 ACH/Direct Deposit 056073502.
| | Back to top | | 6.
| Who do I call regarding questions about my existing account? |
| 1-888-810-4013
24/7 automated information service.
Direct Banking specialists are available:
Monday through Friday 8:00 a.m. to 8:00 p.m. ET
Saturday 8:00 a.m. to 2:00 p.m. ET.
Online Banking Customer Service: 1-877-442-3764
Capital One Direct Banking
P.O. Box 4199
Houston, TX 77210-4199 | | Back to top | | 7.
| Can I start an online application and finish it later? |
| Yes. The application can be saved, so you can leave and come back later to finish. Just click the "Save Application" button in the application after entering your personal information and follow the steps to save your application. We'll send you an e-mail with information you can use to retrieve your application at a later time. Retrieve your application by clicking on the "Retrieve" button on our homepage, www.capitalonedirect.com.
| | Back to top | | 8.
| What does it mean that Capital One’s Direct Banking call center 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 Direct Banking 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 ProgramSM information, visit www.jdpower.com | | Back to top |
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