Key account terms and charges
Monthly Service Charge Free
No monthly service charge—includes free debit card and use of Capital One
image-enabled ATMs.
Balance requirement None No minimum balance requirement to maintain this account.
Minimum deposit to
open account
None No minimum deposit required at time of account opening.
Pays interest Yes This account does earn interest.
Send money with Zelle®
payments and Bill Pay
Free
There’s no charge for “Send Money with Zelle®” (person-to-person) payments or Bill Pay
with this account.
ATM charges
Capital One,
MoneyPass® and
Allpoint® ATMs
Free There are no ATM fees when you use Capital One, MoneyPass® and Allpoint® ATMs.
Other Bank ATMs Free
Capital One will not charge a fee for using an ATM outside our supported networks.
However, if you use an ATM that is not branded with Capital One, MoneyPass® or
Allpoint®, you may be subject to a charge by the ATM operator.
Overdra options
Auto-Decline Free
We’ll generally decline transactions that will cause you to overdraw your account.
Pre-authorized transactions, like gas station purchases, may still overdraw your
account, but we won’t charge a fee when that happens.
Free Savings Transfer Free
Link an eligible savings account to your checking account, and if you overdraw
your checking account, we’ll initiate a single transfer at the end of the business day
to cover overdra transactions.
No-Fee Overdra Free
Opt in required. We will consider paying checks, ACH, and recurring debit card transactions
that will cause your account to be overdrawn. You can also ask us to consider paying ATM
and one-time debit card transactions.
360 Checking
Products and services are oered by Capital One, N.A., Member FDIC. ©2024 Capital One. Capital One is a federally registered service mark. All rights reserved.
If you have any questions, call us between 8 a.m. to 11 p.m. ET, 7 days a week, at 1-877-383-4802 or visit us at capitalone.com. For detailed account information,
a list of other charges that may apply to your account, or the Funds Availability Policy, please review the 360 Checking account disclosures. Revised 4/2024.
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Explanation of Various Key Services and Charges
Here are some details about 360 Checking services.
How deposits and withdrawals work
The order in
which withdrawals
and deposits
are processed
We’ll post items to your account using the following priority:
• Real-time transactions: These post as they are received throughout the day, and include transactions
such as PIN-based debit card purchases, ATM transactions, wires, some Zelle® transactions, and any
fees charged to your account.
• Batch-processed transactions: These post to your account in batches processed at various times
throughout the day. We group similar transactions into a batch and then process them in a specic
order: ACH credits, checks presented for payments, debit card transactions using a signature, and
pre-scheduled ACH debits/electronic payments. Generally, within each batch, credits are posted
rst followed by debits. Debit card transactions using a signature are posted in date and time order.
Debits for pre-scheduled Bill Pay transactions will post highest dollar amount to lowest. Other batch
processing will be from lowest dollar amount to highest dollar amount.
When your deposits
are available
(Funds Availability
Policy)
Same business day
• Electronic deposits received (i.e. direct deposit or wire transfer).
• Cash deposits.
Next business day
• Our general policy is to make funds from your check deposits available to you on the rst business
day aer we receive the deposits.
Second business day
• In some cases, we may delay your ability to withdraw funds beyond the rst business day.
The delayed funds will generally be available by the second business day aer the day of deposit;
however, the rst $225 will be available on the rst business day.
• ACH deposits will generally be available on the second business day.
Longer delays may apply
• Funds you deposit by check may be delayed for a longer period under certain circumstances.
• We’ll notify you if we delay your availability to withdraw funds for any reason, and we’ll tell
you when the funds will be available.
Business day and cuto times (when deposits are considered received)
• A “business day” is every day except Saturdays, Sundays and federal holidays.
• Check deposits made aer 9 p.m. ET/8 p.m. CT at an ATM or via the Capital One Mobile app will be
credited the next business day.
Related charges
Stop payment Free
A request by the customer not to honor a specied check drawn on
his or her account before it’s paid.
360 Checking
Products and services are oered by Capital One, N.A., Member FDIC. ©2024 Capital One. Capital One is a federally registered service mark. All rights reserved.
If you have any questions, call us between 8 a.m. to 11 p.m. ET, 7 days a week, at 1-877-383-4802 or visit us at capitalone.com. For detailed account information,
a list of other charges that may apply to your account, or the Funds Availability Policy, please review the 360 Checking account disclosures. Revised 4/2024.
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Statement services
Statement copies Free Downloading and printing statement copies using Online Banking.
Statement copy Free
Providing additional copies of your statement that you can request by
calling us at 1-877-383-4802.
Wire transfer services
Domestic incoming Free A wire transfer that’s deposited into your account from another bank account.
Domestic outgoing
Up to $30 per
transfer
A wire transfer that you send from your account to another linked
U.S. bank account or pre-approved list of title companies.
Miscellaneous
Orders for checks
$20 per 50 quantity
checkbook, $25 per
100 quantity check-
book, rst checkbook
(50 quantity) is free.
An order of personal checks.
Cashier’s checks
$20 online with
overnight shipping,
$10 in Capital One
Location.
A check guaranteed by the bank.
Document copies Free
We’ll provide paper copies of some documents you request that
can’t be found online if you call us at 1-877-383-4802.
Account research Free We’ll research your account for you.
Optional services
You may never need any of these services, but we want to provide you with the charges that apply just in case.
360 Checking
Products and services are oered by Capital One, N.A., Member FDIC. ©2024 Capital One. Capital One is a federally registered service mark. All rights reserved.
If you have any questions, call us between 8 a.m. to 11 p.m. ET, 7 days a week, at 1-877-383-4802 or visit us at capitalone.com. For detailed account information,
a list of other charges that may apply to your account, or the Funds Availability Policy, please review the 360 Checking account disclosures. Revised 4/2024.
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