Terms and Conditions for Text Messaging

Have a Verification Code sent to you via text.

Supported Carriers:

  • AT&T
  • Alltel
  • Verizon Wireless
  • Cincinnati Bell
  • Sprint/Nextel/Boost
  • Virgin Mobile
  • T-Mobile
  • ACG
  • U.S. Cellular
  • Interop

Cost: Message and data rates may apply. Charges are dependent on your service plan which may include fees from your carrier to send and receive text messages.

Message Frequency: One (1) message per query.

How to Opt-Out: Don't want text messages anymore? Just reply STOP to 464328 anytime. We'll send back a final text confirming that we got your request.

Support/Help: Need help? Just text HELP to 464328 at anytime. Need to speak to a real person or provide more info? Give us a call at 1-888-464-0727.

Rev. 06/2020




Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • Account transactions and credit card or other debt


All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Capital One chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Capital One Share? Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus



For our marketing purposes – to offer our products and services to you



For joint marketing with other financial companies



For our affiliates' everyday business purposes – information about your transactions and experiences



For our affiliates' everyday business purposes – information about your creditworthiness



For our affiliates to market to you



For nonaffiliates to market to you



To limit our sharing

Call us toll free at 1-888-817-2970 and one of our representatives will update your privacy choices.

Please note: If you are new customer, we can begin sharing your information 30 days from the date we sent this notice. If you’re an existing customer and have opted out previously, you don’t need to update your privacy choices again. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.


Go to capitalone.com/privacy or capitalone.com/contactus

Who we are

Who is providing this notice?

Capital One, N.A. and Capital One Bank (USA), N.A., and their affiliates that use the names Capital One, Chevy Chase, and Greenpoint.

What we do

How does Capital One protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Capital One collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.



Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include financial companies with the Capital One, Chevy Chase, Wikibuy, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association.


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include insurance companies, co-branded partners, retailers, data processors, and advertisers.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include companies such as other banks and insurance companies.
Other important information

For California residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account.

For Vermont residents: We will not share information we collect about you with non affiliated third parties except as permitted by law,  including, for example, with your consent or to service your account. We will not share information about your creditworthiness with our affiliates, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

For Nevada residents: Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 1-888-817-2970. If you would like more information about telemarketing practices, you may contact us at Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285 or webinfo@capitalone.com. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1-702-486-3132; e-mail: BCPINFO@ag.state.nv.us.

Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded.

This notice is available in Spanish.

Este aviso está disponible en Español.

© Capital One. Capital One is a federally registered service mark.