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The Basics

What is Mobile Deposit and how do I access it?

Mobile Deposit allows anyone with a Capital One 360 Savings account, Confidence Savings account, Kids Savings Account, 360 Checking, Total Control Checking or MONEY to deposit checks from anywhere in the United States. To access Mobile Deposit:

  1. Sign in to the Capital One mobile app and go to your Capital One 360 account.
  2. Touch the ‘Deposit' icon. (Note: If you're using an Android device, you'll need to use the menu in the top left of the screen).

View Mobile Deposit Terms & Conditions Opens a new window

How do I deposit a check with my phone?

Depositing your check is easy.  Sign in to the Capital One 360 mobile app, then follow these steps:

  1. Sign in to the Capital One mobile app and go to your Capital One 360 account.
  2. Touch the ‘Deposit' icon.
  3. Fill in the info.
  4. That’s it.

Still need help? Check out Opens a new window our demo.

What kind of checks can I deposit?

We’ll accept U.S. personal, business, and federal checks. 

Deposits that won’t be accepted include:

  • Foreign Checks
  • Money Orders
  • Traveler’s Checks
  • Savings Bonds

Are there any fees to use Mobile Deposit?

Nope, Mobile Deposit is a completely FREE way for you to deposit checks into your Capital One 360 account(s), faster.

What should I do with my check after I deposit it?

Hang on to your check until you receive an email from us confirming that your check has been successfully deposited.  After that, go ahead and void the check by writing "VOID" across it.

When will my check deposit be available?

Most deposits into 360 Savings, Money Market and Kids Savings Accounts are subject to a 4 business day hold before they can be withdrawn. Deposits to Confidence Savings are generally available the next business day.

Checks drawn from another Capital One, N.A. account will be available the next business day.

Electronic deposits that are automatically initiated outside the bank - like Direct Deposit or Social Security benefits - are generally available immediately. Cash deposited via one of our deposit taking ATMs and transfers between Capital One 360 and Capital One Bank accounts are also available immediately.

Deposits into 360 Checking are slightly different. Learn More.

Is there a cut off time in order to have funds available the next business day?

Checks deposited after 9 PM ET Monday through Friday, and anytime on Saturdays, Sundays or federal holidays will be processed the next business day and made available based on the info above.

I noticed my check was rejected, what happened?

There are a few reasons why your check may have been rejected. But don’t worry; we’ll let you know what the issue was in your check details and send you an email with the reason.

To view your check details:

  1. Sign in to Opens a new window
  2. Select the account you deposited the check into
  3. Click on the check reversal transaction

Depending on the issue, you may be able to resubmit the check. 

I deposited my check into the wrong account, what should I do?

Hang tight. Once your deposit becomes available, you can transfer the money into the account you want, and because it’s an internal transfer (this includes Capital One Bank accounts), the funds will be available immediately.

What would cause my check to be rejected?

There are a few reasons why your check would be rejected. Here are a few examples:

  • We can’t read your check
  • The corners of your check are cut off
  • The image is too light or too dark
  • Information on the check is unclear
  • Check is greater than the Mobile Deposit deposit limit shown in the app
  • You’re missing a signature on the back

What can I do with the Banking app?

• My Accounts - View your account balances.
• Account Details – View account information, recent transactions and activity.
• Transfer
- Transfer money to and from your Capital One 360 or Capital One Bank accounts instantly.
• Deposit Checks – Deposit checks from anywhere, anytime (iOS and Android only).
• Pay Bills – Make payments and schedule your bills.
• Find ATMs & Capital One Locations – Search for fee-free ATMs using an address or your current location (iPhone only).
• Open an Account – Open 360 Checking in 5 minutes.
• Download Apps – Download our other apps from iTunes, Google Play or App World.
• Contact Us - Email, call, Facebook or Tweet us.

Investment and Insurance Products Are:

Not FDIC InsuredNot Bank GuaranteedMay Lose Value
Not a DepositNot Insured By Any Federal Government Agency

Banking and lending products and services are offered by Capital One, N.A. NMLS ID 453156, and
Capital One Bank (USA), N.A., Members FDICOpens a new window Equal Housing Lender

Investment products are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRAOpens a new window/SIPC Opens a new window .
Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor.
Insurance products are offered through Capital One Agency, LLC.

All are subsidiaries of Capital One Financial Corporation.

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. All rights reserved.