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Top 10 Questions

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.

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.

What if I forgot my Username and/or Password?

Having trouble logging in? Don't worry, we have a couple of tools to help you with your sign in information.

If you've forgotten your Username, use our Online Username (SaverID)/Customer Number Help tool:

  1. Go to capitalone360.com and click 'Sign In'
  2. Click on the 'Forgot your Username (SaverID)/Customer Number?' link
  3. Answer the security questions correctly
  4. You'll then be asked to enter your password
  5. If you enter your password correctly, you will be taken to your account
If you've forgotten your Password, use our Online Password Reset Tool
  1. Sign in to capitalone360.com with your Username
  2. Click 'Forgot your Password?'
  3. Confirm some personal information
  4. If you answered the questions correctly, you can choose to have a text message or email sent to the mobile phone number or email address we have on file with a 'Temporary Password'
  5. Go back to capitalone360.com and sign in with your Username
  6. Enter your Temporary Password
  7. Create your new Password
  8. Your new Password is automatically updated once you click 'Continue'

Please Note: If we don't have a valid email address or mobile phone number on file, you cannot use this tool to reset your password.

Need further assistance? You can also give us a call at 1-888-464-0727 from 8AM EST to 8PM EST, 7 days a week.

 

Will I receive a tax form?

You'll receive a 1099-INT tax form if:

  1. You have a 360 Savings, Kids Savings Account, CD, 360 Checking or MONEY
  2. You're the primary account holder on the account
  3. You earned a combined total of $10 or more in interest for all your accounts during the relevant tax year – this includes accounts you may have closed.

Keep in mind, if you received an account bonus, it may be reported to the IRS and/or your state as interest or miscellaneous income.

You'll receive a 1098 tax form if:

  1. You have an Adjustable Rate Mortgage, Easy Mortgage or Home Equity 
  2. You're the primary account holder on the account
  3. You paid interest during the relevant tax year
  4. You had $600 or more of an Easy Mortgage, Adjustable Rate Mortgage, Home Equity or Auto Loan cancelled or forgiven

You'll receive a 1099-R tax form if:

  • You took a distribution from an Individual Retirement Account (IRA) Savings or IRA CD during the relevant tax year.

You'll receive a 5498 form if:

  • You made a contribution, conversion, recharacterization or rollover for an Individual Retirement Account (IRA) Savings or IRA CD during the relevant tax year and/or made a contribution for the relevant tax year between January 1 and the current tax filing deadline without an extension.

Your 5498 form will be available on our website by June 1, or mailed by this date if you receive paper statements.  

ShareBuilder by Capital One® Customers:

  • You may receive a separate 1099 for activity in your ShareBuilder by Capital One account. Look for an email from ShareBuilder by Capital One with instructions on how to access your tax form(s) online.

Capital One Auto Finance Customers:

  • If you qualify to receive a tax form based on the eligibility criteria above, your form will be mailed to you by February 1st.

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 'Forms' 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.

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.

Cash

  • You can deposit from another Capital One 360 account or linked checking account using any of the following options:
    1. Sign in to your account 24/7 at capitalone360.com and click on the ‘Transfers & Deposits’ tab.
    2. Call our Interactive Phone Service with 24/7 access at 1-888-464-7868.
    3. Speak to an Associate at 1-888-464-0727 from 8 AM to 8 PM, 7 days a week.  
  • If you live near a 360 Café or Capital One Bank branch, you can make a cash deposit at the ATM. Find out if there’s one near you.

Checks

  • Deposit a check from anywhere with CheckMate using our mobile app to snap a picture of your check:
    1. Go to the Capital One mobile app and sign in to Capital One 360.
    2. Click the menu option on the top left of the screen.
    3. Select 'Deposit Checks'.
    4. Click 'Start' and follow the prompted instructions
  • 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 branch, 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

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 'Forms' tab. Simply print it out, fill it in and give it to your employer.

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)
  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!

How do I find a free ATM?

It's easy. Just check out our ATM Locator Opens a new window. One in every 12 ATMs is within the Allpoint® Surcharge-Free Network, and many are located in national and regional retailers such as Costco®, CVS®, Target®, and 7-Eleven® – so there's sure to be one close to you. Just look for the Allpoint logo:

Allpoint Logo

How do I set up my access for my personal financial management tool?

You’ll need an Access Code from us in order to set up your personal financial management tool with your Capital One 360 account.

Here’s how to create an Access Code:

  1. Sign in to capitalone360.com.
  2. Select the ‘My Info’ tab.
  3. Go to 'Preferences' and choose the 'Access Code' section.
  4. Click on the ‘Create New Code’ button. We’ll generate an Access Code which you can use as your Password along with your Username (Saver ID)/Customer Number to sign in to the tool.

How do I set up Web Connect and download transactions in Quicken®?

Go to the following links to view detailed step-by-step instructions on setting up Web Connect and downloading transaction information.

Quicken for Windows®
Quicken for Macintosh®

Can I use a Capital One Bank branch to service my Capital One 360 account(s)?

Yes, Capital One Branch bankers can help with limited servicing needs such as reviewing your account, answering questions related to transactions, disputing a transaction, changing contact information (such as address or phone numbers), and printing tax statements. Coming later this summer, branches will also be able to help you with some debit card related servicing as well.

If we can't help you out in the branch, we'll be happy to get you connected to our Capital One 360 specialists to assist you.

What if I forgot my Customer Number or PIN?

If you've forgotten or lost your Customer Number, use our Online Customer Number Retrieval Tool:

  1. Go to capitalone360.com and click 'My Accounts'.  
  2. Click on the 'Forgot your Customer Number?' link underneath the Customer Number field.
  3. Answer the security questions.
  4. If you answered the questions correctly, you'll be automatically taken to the sign in process with your Customer Number pre-filled.

If you've forgotten or lost your PIN, use our PIN Reset Tool:

  1. Sign in to capitalone360.com with your Username (Saver ID)/Customer Number.
  2. Click 'Forgot your Password/Sign In PIN' on the next page.
  3. Confirm some personal information.
  4. If you answered the questions correctly, you can choose to have a text message or email sent to the email address or mobile phone number we have on file with a temporary 'Password/Sign In PIN Reset Code' (you can only use this code once and it's only valid for 2 hours if sent via email or 10 minutes by text).
  5. Go back to capitalone360.com and sign in with your Username (Saver ID)/Customer Number.
  6. Enter your 'Password/Sign In PIN Reset Code.'
  7. Answer two security questions to confirm your identity.
  8. Select a new PIN between 6 and 10 digits in length.
  9. Your new PIN is automatically updated once you click 'Continue.'

Please Note: If we don’t have a valid email address or mobile phone number on file, you cannot use this tool to reset your PIN.

You can also give us a call at 1-888-464-0727 from 8 AM and 8 PM to request a new PIN by mail, which you'll receive in 5-7 days.

Top 10 Questions

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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