Transfer Funds

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Online Transfers to and from existing external accounts
Deposit account customers can link other bank and brokerage accounts to
Online Banking and move money to and from these accounts – for free!

To set up a non-Capital One account for funds transfer, choose “Manage Non-Capital One Accounts” from the Transfers section, review and accept the External Funds Transfer Authorization and Agreement, and start linking as many bank or brokerage accounts as you'd like. Once your non-Capital One accounts are verified, you'll be able to schedule one-time or recurring transfers any time you want.1 Restrictions on the number of transactions allowed per statement cycle may apply.2

See General Direct Banking Questions for more information on linking accounts.

When withdrawing money, your money reaches your external account 3 business days after the day you initiate the transfer (by 8:59 p.m. PT). For example, transfers initiated on Monday reach your account on Thursday.

When making deposits, your money reaches your account one business day after the day you initiate the transfer (by 4:00 p.m. PT). For example, transfers initiated on Monday reach your account on Tuesday.

Transfers to and from Capital One® accounts
With Online Banking, you may transfer funds between your savings and money market accounts, any time, day or night. The transferred money is reflected in your account balances and gives you immediate access to the cash you need. Transfers before 8:00 p.m. PT are posted to your account immediately and are reflected in your account balances. Transfers after 8:00 p.m. PT will be credited the next business day.

Get started now.
Just follow these five simple steps.

1. Log in (or enroll) to Online Banking
2. Click on the Transfers tab; you may set up a one-time or recurring transfer
3. Select accounts to "Transfer From" and "Transfer To" with the drop down text boxes
4. Enter amount of transfer
5. For recurring transfers, enter your transfer details

 
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View Demos of Online Banking features and services
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1 For external transfers, daily and monthly limits apply.

2 Federal law restricts withdrawals from money market and savings deposit accounts when such withdrawals are made by pre-authorized transfer, telephone transfer, computer transfer, and/or by checks made payable to third parties to no more than six during each monthly statement cycle. No more than three of those six may be by checks payable to third parties. However, any number of transfers can be made into a money market deposit account or into a savings account. An unlimited number of transfers from money market deposit accounts and/or savings accounts can be made to pay loans at Capital One, N.A. You agree that Capital One may convert your money market deposit account or your savings account to a suitable alternative account if you exceed the number of permissible withdrawals in any monthly statement cycle.  Review the Rules Governing Deposit Accounts for additional details.