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Overdrafts happen—now you have more options.

Explore new overdraft options for your checking account.

An overdraft is when you spend more than you have in your account. This could happen anytime you make a purchase, schedule a payment or withdraw money and you don’t have enough to cover it. Overdraft coverage gives you the control to tell us what we should do when your balance drops below zero. Now you have even more options available to cover your Capital One® Checking account.

Choose the coverage that's best for you.

Log in to your account, click on your Checking Account and choose More Services, then Overdraft Settings.

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Auto-Decline

We’ll generally decline transactions that will cause you to overdraw your account.

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Free Savings Transfer

We’ll automatically transfer available funds from your savings or money market account.

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Overdraft Line of Credit

This is a loan where we transfer funds to your checking account to cover an overdraft. You’ll pay interest on the overdrawn amount for the length of time you borrow funds.

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Next Day Grace

You’ll have a full business day to replace the amount you're overdrawn before we charge you a $35 fee.

Don't have a checking account? No problem, open one now.

Questions? Give us a buzz at 1-800-289-1992 to talk to a real person (8 a.m.–8 p.m., E.T., 7 days a week).

All bounced checks will incur a $9 non-sufficient funds (NSF) fee, regardless of overdraft coverage.

Next Day Grace: Next Day Grace: Standard authorizes us to consider paying your checks, ACH and recurring debit transactions that put your account into overdraft. Next Day Grace: Plus authorizes us to consider paying your everyday debit card and ATM transactions as well. In making a payment decision, we typically consider a variety of factors, including the size of the transaction, whether your account is in good standing and/or if you have had 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 the overdraft and any related fees.

Overdraft Line of Credit: If you choose to apply, we'll run a credit check, which might impact your credit score. The amount of overdraft coverage provided under a line of credit is determined by your credit limit, which is subject to review and approval.

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Products and services offered by Capital One, N.A., Member FDIC.

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