1. Sign in to capitalone.com
  2. Click on your ‘360 Checking' account
  3. Click on “More Services”
  4. Click on “Overdraft Settings”
  5. Click on “Change” next your 360 Checking account
  6. Click on the 'Select' button under Overdraft Line of Credit
  7. Review the terms and conditions and hit 'Continue'
  8. Confirm your Overdraft amount and click 'Submit'
  9. Keep in mind, the maximum line amount possible is $1,000.

In order to apply online, your account must:

  • Be in good standing
  • You (or your joint account holder) must not have any outstanding account restrictions
  • You (or your joint account holder) must not be past due on any other loan product
  • Be active (show at least one transaction besides interest accrual in the past 24 months)