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Banking with Capital One 360

What is Capital One 360's Routing Number?

Our Bank Routing Number is 031176110. This is the same routing number for your checking, savings, business, personal loan and home equity accounts. If you are setting up a direct deposit, please make sure you use your Account Number, NOT your Customer Number.

However, if you have a mortgage and want to make your mortgage payments electronically from another bank, you'll need to use the Capital One Home Loan Routing Number for your payments: 255071981.

How do you keep my business information and account secure?

Our industry-leading technology and software protects all of our banking systems, with features in place to verify your identity and ensure that all requests related to your account come directly from you or another authorized signer.

Protecting business accounts is extremely important to us. Transfers from your Capital One 360 account can only be made to your linked business checking account. You may authorize up to two additional people associated with your business to access your Capital One 360 Business Account – no one else can access your account without an authorized Username (Saver ID)/Customer Number, PIN and other personal information. Visit our Security Zone to learn more about what we do to protect your info.

How do I get or change my PIN?

You will choose your PIN during the account opening process. If you have forgotten your PIN, you can click on the 'Forgot your Password/Sign In PIN?' link during the sign in process to reset it. You can also call an Associate at 1-877-464-1777 to request a new PIN be mailed.

If you would like to change your PIN, simply make the change online by signing in to your account and clicking on the 'My Info' tab. Just choose any 6-10 digit number that will be easy for you to remember.

Will I have two sets of sign in credentials if I also have personal accounts?

No, you will have one Customer Number and PIN. You can access your personal and business accounts separately via our website. After signing in to your account online, choose whether you want to view your personal or business accounts from the 'My Accounts' drop down menu at the top of the page.

How do my authorized signers access the account?

Each authorized signer will have their own separate Username (Saver ID)/Customer Number and PIN to use to access the account.

Will I receive a tax form if I’m a Business Accounts Customer?

You’ll receive a 1099-INT if: 

  • You’re a Sole Proprietorship, Partnership, LLC, Corporation or Non-Profit and have earned in total $10 or more in interest on any/all of the following accounts during the relevant tax year:
    • Business Savings Account
    • Business CD

Keep in mind that only those individuals with a matching Social Security Number will be able to view tax forms for Sole Proprietorships and single-member LLCs. In order to ensure your privacy, other Authorized Signers on these accounts will not be able to view tax forms.

How do I contact Capital One 360?

We're here to help. You can reach us any of the following ways:

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

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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