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Debit MasterCard

When will I receive my Card in the mail?

Your Card should arrive in the mail 5-7 business days after you open your 360 Checking on capitalone360.com.

How do I activate my Card?

Whether you're activating a new Card or reactivating one you temporarily deactivated, make sure you have your Card Number handy then follow these simple steps:

  1. Sign in to capitalone360.com (or the Capital One mobile app) with your Customer Number/Saver ID (Username) and PIN
  2. Click on the ‘Activate Card’ link underneath your ‘360 Checking’
  3. Enter the last four digits of your Card number and then click ‘Activate Card’

Then, start using your Card for purchases anywhere MasterCard® is accepted. Just sign the receipt (or enter your Card PIN) and go!

Where can I use my Card?

Use your Card anywhere MasterCard® is accepted, including any ATM that has the Allpoint® or MasterCard, symbols on it.

What is this Card considered – a Debit Card or a Credit Card?

It is a debit card, because the money for purchases you make is deducted from your 360 Checking right away. With a credit card, you borrow money to make purchases and pay the amount plus interest at a later time. However, when you’re asked “Credit or Debit?” you can do either. The merchant is simply asking you if you wish to sign (Credit) or enter a PIN (Debit) to authorize the purchase. It’s up to you.

Can I use my Card overseas?

Sure, you can use your Card anywhere you see the MasterCard® logo. But if you are planning on traveling outside of the U.S., for security purposes, please notify us of your travel plans. That way we’ll know it’s you and not someone else making overseas purchases. If you have any questions or problems when you’re traveling you can give us a call at our collect international number 302-658-9593. 

To notify us of your travel plans, just follow these simple steps: 

  1. Sign in to capitalone360.com with your Customer Number/Saver ID (Username) and PIN
  2. Click on your ‘360 Checking'
  3. Click on the 'Debit Card' tab
  4. Click on the 'let us know' link in the ‘Travel Plans' section and follow the steps

Are there any charges for using the Card?

In addition to worldwide cash access, we provide free access to your cash at over 38,000 ATMs in all 50 states through our partnership with the Allpoint® Network (ATM Locator Opens a new window).

If you use your Card for a foreign transaction (any transaction made in a foreign currency or that MasterCard classifies as a cross-border transaction), we won't charge you anything.

I am making an online purchase transaction and it is asking for a ‘CVC’ or Security code – where can I find that on my Card?

Look on the back of your Card, in the signature line. This is the last three digits you see. As with all aspects of your Card, keep this secure.

What if my Card is damaged and is no longer working?

Call 1-888-464-0727 as soon as you realize your card is not working properly so that we can send out another card. If you’re calling from overseas and need to have a card expedited, call 1-302-255-3473.

Are there any transaction limits on my 360 Checking Card?

Yes. The limit depends on how you use the Card.

  • ATM withdrawal: $1,000 per day (Some ATMs have their own transaction limits, so it may take multiple transactions before reaching the daily limit)
  • Purchases made using your PIN: $5,000 per day
  • Purchases made not using your PIN: $5,000 per day

Why is there a transaction for $1.00 or an amount greater than my actual transaction amount in my 'Pending and On Hold' section?

When you use your card for a purchase like filling up your gas tank, many time the merchant puts through an electronic transaction to make sure your account is active and in good standing. This transaction can be for any amount, although most times it’s for a $1.00. Once the merchant completes your transaction (typically 1-5 days) the correct amount will appear in your ‘History' section, and the $1.00 (or whatever the amount was for) transaction will disappear from the 'Pending' section.

Another example might be a rental car company. Say you rent a car using your 360 Checking Card.  At the time of the rental, the merchant obtains an authorization for $200 over the estimated charge of the rental. Once you return the rental car, the company will then send a charge for the final amount due and the original authorization for $200 would then be released and disappear from your 'Pending and on Hold' section.

Why is the pending amount of a charge greater than the actual amount of the charge?

There are times when a merchant may submit a charge for an amount that is greater than the actual amount of the transaction. When the transaction posts it will post for the correct amount.

Why are there two charges showing for the same Card purchase that’s already posted? One lists my funds on hold under the ‘Pending’ section and the other is under ‘History’.

Sometimes merchants send us a transaction amount that doesn’t match the bill on hold. This happens most commonly at restaurants, where the tip is added to the posted transaction after the merchant has run the card for the amount of the bill. Because the actual amount charged to your 360 Checking Card doesn’t match the amount the merchant initially had us authorize, our system can’t match the charge with the amount on hold, so the hold is not automatically removed. The hold will drop off automatically three days after it was placed.

What do I do if my Card is about to expire?

Don’t worry, a replacement Card should arrive by the end of the first week of the month your Card is expiring. Your Card number & PIN will be the same, but the expiration date will change. If you use your Card to pay bills, make sure to give billers the new date to avoid any payment lags. Any bills you have set up through 360 Checking Bill Pay are good to go.

What do I do if my Card is expired?

Hang tight, if you haven’t received a replacement Card yet one should arrive by the end of the first week of the month your Card expired. If the week passes and your new Card hasn’t arrived give us a call at 1-800-464-3473.

 

How do I notify you of my travel plans?

If you're planning on traveling outside of the U.S. (or even just going far from home), please notify us of your travel plans. That way we'll know it's you and not someone else making purchases with your Card.

To tell us about your travel plans, just follow these steps:

  1. Sign in to capitalone360.com with your Customer Number/Saver ID (Username) (Username) and PIN
  2. Click on your account (360 Checking or MONEY)
  3. Go to the 'Debit Card' tab
  4. Click on the 'notify us of your travel plans' link in the 'Travel Plans' section and follow the steps
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