Capital One Bank — Banking Forms & FAQs

Capital One Bank — Banking Forms & FAQs

Banking Forms

The information and the links on this page are only related to the Capital One Bank Products listed below.

Savings & Money Market Accounts

  1. InterestPlus Online Savings
  2. High Yield Money Market
  3. Business Money Market
  4. Online Savings Account

Checking Accounts

  • Interest Online Checking

Associated Certificates of Deposit

  • Certificates of Deposit

General Capital One Bank Questions

  1. Are deposits FDIC-insured? How do I know my money is secure?

Capital One, N.A. is an FDIC member. Our FDIC certificate numbers are 33954 and 4297. All deposits at this Capital One banking institution are FDIC-insured to at least $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 this institution at the FDIC Web site, www.fdic.gov, by searching for "Capital One National Association" using Bank Find.

 

  1. What is direct deposit? How do I set it up for my account?

With this feature, your employer will automatically deposit all or portion of your paycheck to your account so you earn higher returns faster. All you need to do is determine the amount you want directly deposited to your account each pay period. This amount will be automatically withdrawn from every paycheck and deposited into your account. Talk to your employer about enrolling in direct deposit or splitting your existing direct deposit across accounts. You will need to provide your account number as well as the "routing" number for the account. Download our Direct Deposit Information Form to make getting started easier. We've listed all information you'll need to begin direct deposit to your Capital One Bank account.

 

  1. 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, N.A.: 051405515 or 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 **

 

  1. 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, N.A.: 051405515 or 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 **

 

  1. Can I request an outbound wire?

You can wire funds out of your account only if the receiving account is in the name of, or for the benefit of, the account owner or beneficiary (in deceased situations only). Wires cannot be sent to third parties, including escrow accounts, and title companies. In order to process your wire request, please call us at 855-280-3619. Note there is a $20.00 service charge to process an outbound wire. Here is the information you will need to complete the wire transfer:

  • Which Capital One account the money will come from
  • Dollar Amount
  • Recipient Name (remember, you can only send to a deposit account you own - no third party)
  • Recipient Account Number
  • Recipient Address
  • Valid Recipient Bank Wire Routing/ABA Number
  • Valid Intermediary Bank Wire Routing/ABA Number (if applicable)
  • Memo (if applicable)

 

  1. Where can I view product disclosures?

Forms

Use our forms to set up direct deposit, change account owners and complete other transactions.