Help Topics > Transfers, Interest, and Hold Times > Transfers/Deposits > How long does it take to transfer money between my Capital One 360 account and my linked checking account?

How long does it take to transfer money between my Capital One 360 account and my linked checking account?

Electronic transfers between Capital One 360 and other banks are FREE and generally take 2 business days. Add an extra day for Federal holidays.

Like most banks, when we electronically transfer money with another bank, the money goes through a secure network called the Automated Clearing House (ACH) system.

We pull our transfer requests together each day and send them off to the ACH. That system then pulls together all the daily files they receive from thousands of banks and routes the transfer to the appropriate receiving bank account and then the transfer occurs.

View a brief demo Opens a new window to learn more about how these transfers work.

Banking, Credit Card, Auto Finance, and Home Loan products and services are offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A. NMLS ID 453156, Members FDIC.

Securities products are offered by Capital One ShareBuilder, Inc., a registered broker-dealer and Member FINRAOpens a new window/SIPC Opens a new window . Capital One ShareBuilder, Inc. is a subsidiary of Capital One Financial Corporation.

Securities, Credit Card, Auto Finance, and Home Loan products are: Not FDIC insured · Not bank guaranteed · May lose value

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