How do I deposit a check?

You can deposit a check into your Capital One 360 account one of 3 ways:

  1. Deposit a check from anywhere with CheckMate – Use our mobile app to snap a picture of your check or upload an image from any computer.  CheckMate is available to everyone with 360 Savings, Kids Savings Account, 360 Checking or MONEY.
    • To access CheckMate - Mobile:
      1. Sign in to the Capital One mobile app and go to Capital One 360.
      2. Touch the ‘Deposit' tab in the left menu.
    • To access Image Upload:
      1. Sign in to capitalone360.com.
      2. Go to the ‘Transfers & Deposits’ tab.
      3. Select the ‘Deposit Checks’ tab, choose ‘Image Upload’ and follow the steps.
  2. Deposit the check into your external linked checking account. Once the funds are available, sign in to capitalone360.com and transfer the money electronically from your linked account to your Capital One 360 account.
  3. Mail your check in for deposit:
    • Write your Customer Number and Account Number (you can find this on the 'My Accounts' page) on the check.
    • Drop the check into an envelope.
    • Mail the envelope to:

Capital One 360
PO Box 60
St. Cloud, MN 56302-0060

Keep in mind, checks deposited using CheckMate have slightly different hold times than other deposits. Learn More

Products and services offered by Capital One 360, a division of Capital One, N.A., Member FDIC.
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