General Online Banking
- Are Capital One 360 accounts accessible through Capital One Online Banking?
Capital One 360 accounts are not accessible through Capital One Online Banking. For online access to your Capital One 360 account(s), visit CapitalOne360.com.
- Which of my accounts can I access using Online Banking?
Online Banking supports the following Capital One Bank accounts:
- Checking accounts (personal and small business)
- Savings accounts
- Money market accounts
- Certificates of deposit (CDs)
- Investment and mortgage accounts
- You may also link your Capital One® credit card and auto loan to view basic account information.
- What if I have questions about my account?
Anytime you have a question about personal or account information, you can use our secure message center via Online Banking. Or, you can call us toll free at 1-800-655-BANK (2265).
- What if I have questions about Online Banking?
If you have a question about Online Banking please call 1-877-442-3764, and an Online Specialist will assist you.
- What self-service functions are available to me online?
Some of the things you can do yourself with Online Banking:
- View checking, savings and money market statements and sign up for paper suppression
- Stop payment on a check
- View and print check images
- Order copies of paid checks and statements (should you need something more than a check image or online statement)
- Reorder checks
- Update e-mail address
- I forgot my user ID and/or password. What should I do?
If you forget your User ID or password, click the Forgot User ID or Forgot Password link. After successful validation, your user ID will be sent to the e-mail address we have on record for you. You can reset your password online by successfully answering your security questions.
- Can I view my bank statement online?
Yes, you can view your Capital One Bank checking, savings, and money market statements online. You may also view your Capital One money market and CD statements online. Online Banking starts archiving your statements from the first statement cycle after your Online Banking enrollment date and archives up to 18 months of online statements.
- I don't want to receive my account statements in the mail. Can I choose paperless options through Online Banking?
Many deposit accounts are eligible to stop receiving paper statements by mail. If you choose online statement delivery, we'll send you an e-mail alert each month to notify you that your online statement is available, so please be sure that your e-mail address is current.
- I signed up for combined statements in the branch, so all of my paper account statements are delivered in one envelope. Can I still sign up for paperless statements?
Yes. When you signed up for combined statements in the branch, one of your accounts was designated as the parent account. In Online Banking, this is the account that you can view your combined statement on. To enroll in online statement delivery for your combined account statement, all you need to do is choose the online only option on the parent account.
- If I sign up for online statement delivery, how will I access copies of my check images?
Your check images are available in Online Banking in your account transaction history. You may access up to 18 months of transaction history, including your check images.
- I made a deposit but only a portion of it is showing up. Why?
Deposited funds may be subject to holds as disclosed in your account disclosure. Funds that are subject to holds will appear in the Current Balance but not in the Available Balance until the hold period has ended. Funds that are immediately made available when a deposit is made at a branch, ATM, or by automated deposit will show in the Available Balance. If a deposit is made at a branch, ATM, or by automated system after the cut off time, a portion of the deposit may appear immediately in your Available Balance but the deposit will not post until the following business day, and will not be available to pay incoming ACH transactions or checks you have written.
Online Bill Payment Service
- Is the Online Bill Payment Service free?
Yes, our Online Bill Payment Service is free. Pay as many bills as you'd like per month at no charge.
- What type of account do I need for the Online Bill Payment Service?
If you have a Capital One Bank checking account, then you can use our Online Bill Payment.
- When are funds actually taken out of my account?
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.
- Is there a fee if I need to place a stop payment on a processed Online Bill Payment Transaction?
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.
- What happens if I do not have enough money in my account to cover an online bill payment I've made?
A non-sufficient funds (NSF) fee will be charged to your account. A second redeposit attempt will be made and if that is also unsuccessful due to insufficient funds, then the account will be charged another NSF fee.
- Can I get a copy of a payment I made through Online Bill Pay?
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.
- Is there a fee for using alerts?
No, all account alerts are free.
- Can alerts be sent to my phone?
We can send text alerts to most mobile phones. You can ask your service provider for details about specific fees and texting charges.
- What kind of alerts can I set up for my accounts?
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.
- 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 posted to your account
- What accounts can I transfer funds to and from?
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.
- Can I make advances from my line of credit through Online Banking?
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.
- When are internal transfers posted to my account?
Transfers set up between Capital One checking, savings and money market 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 between your DDA and loan or line of credit accounts follow the same posting schedule.