If your 360 Checking balance is negative at the end of the month, you must make a deposit of at least the minimum payment amount by the last day of the following month. Here’s how to calculate your minimum payment amount:

  • If your Overdraft Line of Credit balance is less than $100 – you must pay the entire outstanding balance.
  • If your month end Overdraft Line of Credit balance is between $100 and $3,333.33 – you need to pay at least $100.
  • If your month end Overdraft Line of Credit balance is over $3,333.33 – you need to pay at least 3% of your outstanding balance.

We’ll send you a reminder email before your payment is due and additional reminder emails when you miss a payment. When you sign in to capitalone.com, you’ll also see a message that provides instructions on how to make a payment.