Skip Transfers/Deposits Links

Transfers/Deposits

How do I make a deposit?

There are several easy ways you can make deposits into your 360 Savings, Kids Savings, 360 Checking or MONEY account.

External Link

To add a link online:

  1. Sign in to capitalone360.com.
  2. Click on 'Add Link', enter your new external account link information, and answer a few security questions.
  3. We will ask you to confirm ownership of your checking account by verifying 2 small amounts (you may see one or two small deposits - each less than $1.00) that we will deposit into your external checking account.
  4. Review the activity on your external checking account to determine the small amount(s) 2-4 business days after adding the link.
  5. Once you have the amount(s), sign in to capitalone360.com and click on the ‘External Accounts’ tab. Select ‘Unconfirmed’ and enter the amount(s).

To add a link by mail:

  1. Send us a personal check payable to yourself that is pre-printed with your name and address, made out for a deposit amount of at least $1.00 from the new external account link. The name pre-printed on the check must exactly match the name on your Capital One 360 account.
  2. Write your Customer Number and the word "Link" on the memo line of the check and make sure you sign it (but do NOT endorse the check).
  3. Keep in mind that the account you would like to link must be a personal checking account, not a brokerage or money market account. Voided or "starter" checks (checks without your personal information printed in the upper left corner) or checks with the words "payable through" cannot be used.
  4. Mail your personal check to add a link to:

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

Please Note: For your protection, if you add a link via mail, we place a temporary restriction on transfers to your new linked account for 5 business days from the date that it is received. This is a security measure to protect your money.

Cash

  • If you live near a 360 Café or Capital One Bank location, you can make a cash deposit at the ATM. Find out if there’s one near you.

Checks

  • Deposit a check from anywhere with Mobile Check Deposit using our mobile app to snap a picture of your check:
    1. Go to the Capital One mobile app and click your Capital One 360 account.
    2. Click the Deposit Icon (Note: If you're using an Android device, you'll need to select "Deposit Checks" in the menu on the top left of the screen)
    3. Fill in the info
  • Access Image Upload on your desktop:
    1. Sign in to capitalone360.com.
    2. Go to the 'Transfers & Deposits' tab.
    3. Select 'Deposit Checks' and choose 'Image Upload'.
    4. Follow the 4 easy steps.
  • If you live near a 360 Café or Capital One Bank location, you can make a check deposit at the ATM. Find out if there’s one near you.
  • Mail a check for deposit  (and be sure to include your Account Number on the check): 

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

 Keep in mind, business account customers cannot mail checks for deposit.

Direct Deposit

  • To set up Direct Deposit using any of the following options:
    • Give your Capital One 360 Account Number and our Routing Number, 031176110, to your employer.
    • Print our blank Direct Deposit form and fill in your information.
    • Access our pre-filled Direct Deposit form after signing into capitalone360.com, clicking your account and going to the 'Documents' tab. Simply print it out, fill it in and give it to your employer.

Can I receive wire transfers?

Yes, you can receive domestic incoming wire transfers into your accounts (except for a CD). We only accept transfers from banks within the U.S. You must provide the external bank sending the wire with your Capital One 360 Account Number and the Capital One 360 routing number: 031176110.

If the bank sending the wire needs an address, you can provide whichever they request:

  • Mailing: PO Box 360, Wilmington, DE 19899
  • Physical: 30 7th Avenue South, St. Cloud, MN 56301

There’s no charge from Capital One 360 for an incoming wire transfer. To see if an incoming wire was posted to your Capital One 360 account, simply sign in to capitalone360.com and click on your account. The transfer will be listed in the ‘History’ section if it was received.

How do I make deposits into my 360 Checking?

You can make deposits into your 360 Checking from another Capital One 360 account, linked checking account, or one of the following ways:

  • Deposit a check from anywhere with Mobile Deposit – Use our mobile app to snap a picture of your check or upload an image from any computer.  Mobile Deposit is available to everyone with 360 Savings, Kids Savings Account, 360 Checking or MONEY.
    • 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.
    • To access Mobile Deposit - Mobile:
      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 select "Deposit Checks" from the menu on the top left of the screen).
  • Set up Direct Deposit Opens a new window
  • Sign in to access your account 24/7 at capitalone360.com and click on the ‘Transfers & Deposits’ tab.
  • Call our Interactive Phone Service with 24/7 access at 1-888-464-7868.
  • Deposit cash and checks via one of our deposit taking ATMs. See if one is near you Opens a new window
  • Mail a check for deposit to (and be sure to include your Account Number on the check):

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

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.

Does Capital One 360 accept international wires?

No, we will not accept an international wire transfer. We only accept wire transfers from banks within the U.S.

What is Capital One 360's Bank 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 I access my money?

We create an electronic link between your existing checking account and your Capital One 360 account(s). This electronic link makes it easy for you to transfer money whenever you want, for free. And, you can link up to 3 non–Capital One 360 personal checking accounts.

Once the link is set up, you can make deposits and withdrawals any of these ways:

  • Sign in to your account 24/7 at capitalone360.com and select the ‘Transfers & Deposits’ tab.
  • Call our Interactive Phone Service with 24/7 access at 1-888-464-7868.
  • Speak to an Associate at 1-888-464-0727 from 8 AM to 8 PM, 7 days a week.

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 Mobile Deposit – Use our mobile app to snap a picture of your check or upload an image from any computer.  Mobile Deposit is available to everyone with 360 Savings, Kids Savings Account, 360 Checking or MONEY.
    • To access Mobile Deposit - Mobile:
      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 tap the menu in the top left of the screen).
    • 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

For 360 Checking and MONEY Customers, you can also deposit checks at a Capital One ATM. Find out Opens a new window if there's one near you.

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

How long does it take to transfer money?

Electronic transfers between Capital One 360 accounts are instant. Electronic transfers between Capital One 360 and other banks are FREE and generally take 2 business days. Keep in mind federal holidays are not considered business days.

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.

Basically, we pull our transfer requests together each day and send them off through 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.

How do I delete a transaction?

To delete a pending transaction:

  1. Sign in to capitalone360.com
  2. Click on the account with the pending transaction
  3. Click the red 'X' next to the transaction under the 'Scheduled' section

How do I set up Direct Deposit?

You can set up Direct Deposit one of three ways:

  1. Give your Capital One 360 Account Number and our Routing Number, 031176110, to your employer.
  2. Print our blank Direct Deposit form Opens a new window and fill in your information.
  3. Access our pre-filled Direct Deposit form after signing into capitalone360.com, clicking your account, and going to the 'Documents' tab. Simply print it out, fill it in and give it to your employer.

Remember, you can choose to have all or only a portion of your paycheck direct deposited.

Where do I mail a check for deposit?

Mail your check for deposit to (and be sure to include your Account Number on the check):

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

What is an electronic transfer?

All funds transferred to and from Capital One 360 are done electronically via the Automated Clearing House (ACH) system.

Every day we send all our transfer requests to the ACH. That system then pulls together all the daily requests they receive from thousands of banks and routes them to the appropriate receiving bank. And voila, we have a transfer.

These transfers are free and typically take 2 business days to complete. View a demo Opens a new window to learn more about electronic transfers.

How do I initiate a wire transfer?

Wire transfers are processed on an exception basis only. To get started, you’ll need to give us a call at 1-888-464-0727 and, if approved, an Associate will grant access for you to complete the request online. Keep in mind, you’ll only have 12 hours to complete the wire request.

You can send a wire transfer to another bank account in the U.S. A wire transfer is done the same day, if requested before 2 PM ET on a banking business day, and costs $30.00. This is different from a normal transfer, which can take 2-3 business days to complete and is free.

Can I send an outgoing wire internationally?

We do not offer outgoing international wire transfers.

What's the difference between a wire transfer and the way I normally transfer money?

A wire transfer is done the same day, if requested before 2 PM ET on a banking business day, and costs $30.00.

Your normal transfers are made using the Automated Clearing House (ACH), which is a system that provides electronic fund transfers between banks. It's used for all kinds of money transfers, including direct deposit of a paycheck and monthly routine payments to vendors. These transfers generally take 2-3 bank business days to be completed and are completely FREE.

What information do I need to send a wire?

You can send a wire transfer to your linked checking account or a title company. To send a wire you'll need the following information from the external bank receiving the wired funds:
•    Bank Name
•    Wire Routing Number (ABA)
•    Account Number

Sometimes the receiving bank requires additional information. We recommend that you contact the receiving bank to verify their wiring information and instructions.

Why aren’t my other accounts showing?

Only your Capital One 360 account(s) that are currently eligible to initiate a wire transfer are shown.

Your account may not be eligible at this time due to one of the following reasons:
•    You have a restriction on one or more of your accounts.
•    Your external linked checking account hasn't been confirmed for the required 30 day minimum.
•    Your Capital One 360 account has not been opened for a sufficient amount of time.
•    You do not have enough available funds currently in your Capital One 360 account to send a wire transfer.

Have questions? Call 1-800-289-1992.

When will my funds arrive?

If the wire request is received by 2:00 PM EST and verified through our security procedures outlined in the Terms and Conditions, funds will be processed the same business day. If received after 2:00 PM EST, funds may be processed the next business day. We may treat any funds transfer request received at or after our cut-off time as if it was received that business day or we may treat it as if it were received at the opening of the next business day.

Transfers, Interest, and Hold Times

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.

All entities are separate but affiliated legal entities of Capital One Financial Corporation, each is responsible for its own products and services.

Securities are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRAOpens a new window/SIPC Opens a new window . 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.

Securities and services are: Not FDIC insured • Not bank guaranteed • May lose value • Not a deposit • Not Insured by any Federal Government Agency

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