Frequently Asked Questions — Online Banking
General Online Banking
- Online Banking supports the following Capital One accounts:
- Checking accounts (personal and small business)
- Savings accounts
- Money market accounts
- Certificates of deposit (CDs)
- Installment loans and lines of credit
- Investment and mortgage accounts
- Auto loans
You may also link your Capital One® credit card to view basic information about your credit card account.
- Anytime you have a question about personal or account information, you can use our secure message center via the Messages and Alerts tab within Online Banking. Or, you can call us toll free at 1-800-655-BANK (2265).
- If you have a question about Online Banking please call 1-877-442-3764, and an Online Specialist will assist you.
- Some of the things you can do yourself with Online Banking
- View checking, savings and money market statements
- Stop payment on a check
- View and print check images
- Order copies of paid checks or statements (should you need something more than a check image or online statement)
- Reorder checks
- Update e-mail address
- Yes, just log in to Online Banking and select the Self Service tab. Please keep in mind that a stop payment fee may apply depending on your account type. Requests made online after 9:00 p.m. ET will be processed the next business day.
- You can get your user ID by clicking on the Forgot User ID link on the homepage of capitalonebank.com. Your user ID will be sent to the e-mail address we have on record. You can reset your password online by answering your security questions.
Online Bill Payment Service
- Yes, our Online Payment Service is free. Pay as many bills as you'd like per month at no charge.
- If you have a Capital One Bank checking account, then you can use our Online Bill Payment.
- You can pay just about any individual or business located within the United States. There are some exceptions to this, so please see the “Prohibited Payments” or “Exception Payments” sections of the Online Bill Payment Service Authorization for full information before using the service.
- In most cases, the payment amount will be debited from your checking account on the scheduled due date of your payment. Exceptions include payments sent by paper check and payments with due dates that fall on a weekend or bank holiday. These payments may be paid to your merchant (and debited from your account) the business day prior to the scheduled due date.
- If you need to stop payment please call 1-877-442-3764 and select the bill pay option. An agent will advise if it's possible to stop your payment and if a fee applies for the stop payment request.
- A non-sufficient funds (NSF) fee will be charged to your account. A second attempt will be made and if that is also unsuccessful due to insufficient funds, then the account will be charged another NSF fee.
- Check images are available online or with your monthly statement. If you don't see the payment there please send us a secure message via Online Banking with your payment details or call 1-877-442-3764.
Alerts
- No, all account alerts are free.
- Voice alerts can be sent to your phone, including your home, office or mobile phone numbers. Text alerts can be sent to your wireless device (including most mobile phones). Check with your service provider for details on specific fees and charges for mobile phone or text use. We do not offer fax alerts.
- It's easy:
Log into Online Banking- Click on the Messages & Alerts menu option
- Choose Set Alerts and the account you wish to establish alerts
- Choose how you'd like to be contacted (e-mail, cell phone, etc.) by clicking on Contact Points
- The type of alerts you can receive depends on the types of accounts you hold. There are more than a dozen types of alerts available for different accounts (there are currently no alerts for loans or lines of credit).
Account alerts
- New statement available in Online Banking
- Daily balance summary
- Account balance is above an amount you previously specified
- Account balance is below a threshold you previously specified
- A credit above/below/equal to a certain amount has posted OR All credits regardless of amount
- A debit above/below/equal to a certain amount has posted OR All debits regardless of amount
- A direct deposit has posted
- A check has has posted
- Overdraft protection has been utilized (applies only to accounts with this option)
- A non-sufficient funds (NSF) charge has posted
- Log into Online Banking:
- Click on the Messages & Alerts menu option
- Choose Set Alerts and select the account for which you wish to change your alert settings. Each alert that is applicable to that type of account will appear.
- Click the checkbox next to the alerts you wish to set-up or edit, make your changes then click Update Alerts.
Your alerts can be temporarily suspended by clicking the Suspend Alerts button.
Transfers
- You can transfer funds between your checking, savings, money market, eligible loan and line of credit accounts, and eligible Capital One Direct Banking accounts. You can also transfer funds to other banks once you link your external bank account in Online Banking. Learn More.
- Yes, you may advance funds from your eligible Capital One Bank line of credit account in the Transfers section of Online Banking. Simply choose your line of credit as the “Transfer From” account on the Schedule Transfers page. You may advance funds up to the available balance on your line of credit.
- Transfers set up between Capital One accounts before 10:00 p.m. CT are posted to your account immediately and reflected in your Account Balances. Transfers set up after 10:00 p.m. CT are posted on the next business day. Transfers made to non-Capital One accounts take 3 – 4 business days.
- Linking your external bank account in Online Banking is easy:
- Log in to Online Banking and click on Transfers
- Click on "Link a non-Capital One bank account"
- Provide requested bank information
Once we validate account ownership, your external account will be available for transfers.
- The Pending External Transfers page displays your scheduled transfers. You may cancel or modify your instructions at any time when still in the pending state. Once the transfer process has started, these transfers move to the External Transfer History page and into the "In-Process" state. Transfer instructions can no longer be canceled or modified once the status changes to "In-Process".
Quicken, Money, or QuickBooks Users
- Yes, you can download your account information into QuickBooks. This service is free. To get started, download our Getting Started with QuickBooks guide. Or, if you have additional questions, just call us at 1-877-442-3764.
- We support the current version plus the two prior versions, of Quicken, QuickBooks, as well as Microsoft® Money.
We’re sorry, but QuickBooks for MAC is not supported.
- No. Downloading transactions into QuickBooks is completely free.
- When connecting to Capital One Bank through your Quicken software, your customer ID and password are the same as the user name and password you use to access Online Banking.
- Just give us a call us at 1-877-442-3764.
- Here's how you set up your Quicken software.
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