Capital One — Credits and Debits

Processing order details

Here's a detailed breakdown of how credits and debits will be applied to your account. You'll see that debit transactions in categories 3-6 will post in order by date and time (in the order you make them) when we have that information.

CategoryExamplesHow They're Processed
1. Credits (except credits in category    10). 
  • Cash deposits
  • Check deposits 
Highest dollar amount to lowest
2. Debits deferred from a prior day for manual review due to insufficient or unavailable funds and related fees
  • Manually approved checks and ACH transactions
  • Overdraft and non-sufficient funds (bounced check) fees from the prior business day
Lowest dollar amount to highest
3. Cash or cash-like withdrawals
  • Teller and ATM withdrawals
  • Wire transfers
  • Capital One loan payments
Date and time, if available
Everything else from lowest dollar amount to highest
4. Customer intiated service charges and fees (except overdraft transfer protection fees)
  • Stop payment request
  • Check re-order fees
  • Wire transfer fees
Date and time, if available
Everything else from lowest dollar amount to highest
5. Debit card transactions and fees
  • One-time and recurring debit card transactions
Date and time, if available
Everything else from lowest dollar amount to highest
6. Automated Clearinghouse (ACH) transactions
  • Automatic payments you authorize, like mortgage payments or monthly utility bills
Date and time, if available
Everything else from highest dollar amount to lowest
7. Checks and other payment items
  • Check payments
  • Capital One Bank Online Bill Pay transactions
Highest dollar amount to lowest
8. Bank intiated transaction fees
  • Returned items chargeback fee
Highest dollar amount to lowest
9. Certain Capital One Bank account-to-account funding transfers and related fees
  • Overdraft protection plan
  • Sweep account
Highest dollar amount to lowest
10. Credits and debits we initiate
  • Account interest payments (credit)
  • Monthly account fees (debit)
Credits first, then debits