An overdraft occurs when you don't have enough money available in your account to cover a transaction, but we pay it anyway. Capital One Bank® offers the following overdraft options:

  • Courtesy Overdraft Service
  • Overdraft Protection linked to a savings account

What is Courtesy Overdraft Service?

Courtesy overdraft is a service we provide where we consider paying a transaction even if you don't have enough money in your account at that moment. Some customers appreciate the ability to overdraft in certain instances instead of having their debit card purchase declined at the store register or a check returned unpaid.

Your account comes standard with Opt Out coverage where we will authorize and pay overdrafts for checks and other payments using your account number and recurring debit card transactions. You also have the option for us to authorize ATM withdrawals and everyday debit card transactions (Opt In) or decline all transactions (Consider None).

Type of Transaction Considered for Overdraft Opt In Opt Out Consider None
Checks and other payments using your account number (like ACH) Yes Yes
Recurring debit card transactions Yes Yes
ATM withdrawals Yes
Everyday debit card transactions (non-recurring) Yes


Please visit a branch or see your banker to discuss your courtesy overdraft options.

Associated Fees

Please see below for fees associated with overdrawing your account.

Fee Type Fee
Overdraft Fee $35 per item
Assessed if:
• We choose to pay transaction (debit, ATM, check, ACH, etc.) even though it takes your account into overdraft status
Non-sufficient Funds Fee (NSF) $35 per item
Assessed if:
• We choose to decline a check or ACH transaction due to insufficient funds in your account
• These transactions may be subject to additional charges or penalties assessed by payee


Important Additional Information About Overdraft Fees

  • We won't charge additional fees for the same transaction even if your account remains overdrawn for an extended period
  • We won't charge a fee if we decline your everyday debit card transactions or ATM withdrawals

What is Overdraft Protection?

Overdraft protection is different from our courtesy overdraft service. This option lets you link another one of your Capital One Bank deposit accounts (like a savings account) to the checking account you enroll in overdraft protection. The funds will be automatically transferred from your linked account to your checking account, free of charge, in case of an overdraft. A single transfer will be initiated at the end of the business day to cover all transactions. Talk to a banker to set up overdraft protection.

Important additional details about Courtesy Overdraft Service:

Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. In making a payment decision, we typically consider a variety of factors, including the size of the transaction and whether your account is in good standing, you are making regular deposits and/or you have too many overdrafts.

If we elect to pay an overdraft item, you have no right to defer payment and you must deposit additional funds into your account promptly in an amount sufficient to cover any related fees.

1 If you opt out of everyday debit card transactions and ATM withdrawals (Opt Out) as described above, we will not generally authorize and pay everyday debit card transactions and ATM withdrawals that overdraw your account. However, under limited circumstances, we may sometimes approve these transactions, but will not assess a fee if you have opted out.

2 If you opt out of all transaction types (Consider None) as described above, we will not generally authorize and pay any transactions that overdraw your account. However, under limited circumstances, we may sometimes approve these transactions.