How to determine when and how much you will need to pay?

Learn more on how to calculate your minimum payment amount.

How to determine when and how much you will need to pay?

Learn more on how to calculate your minimum payment amount.

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.