Stop Payments

How do I stop payment on a Bill Payment?

To request a stop payment  click on the transaction within your 360 Checking Account Details and follow the instructions at the bottom of the screen.

We can’t do a stop payment if a payment has been sent electronically. You’ll know that it’s been sent electronically if you don’t see the stop payment button. Once it’s sent electronically, you’ll have to deal directly with the company in order to get the payment credited properly.

Can I cancel a Bill Payment?

Once you submit a request for a Bill Payment, you have until 11:59 PM ET (the day before it is scheduled to be sent) to cancel it. You can do this yourself, by signing in to capitalone360.com, clicking on the ‘Payments' tab at the top of the page, and then clicking on the payment itself. If it’s before 11:59 PM ET, you’ll see the ‘Delete’ button there. There is no charge to cancel a Bill Payment this way. If it is past 11:59 PM ET, you’ll need to request a stop payment (see next question to learn more about a stop payment).

How do I stop payment on a paper payment?

To request a stop payment:

1. Click on your 360 Checking
2. Click on the transaction
3. Follow the instructions at the bottom of the screen

We will not assess the $25 Stop Payment Charge until we have successfully stopped the payment.

We can’t do a stop payment if a payment has been sent electronically. You’ll know that it’s been sent electronically if you don’t see the stop payment button. Once it’s sent electronically, you’ll have to deal directly with the company in order to get the payment credited properly.

What are stop payments and why would I ever need to do one?

Stop payments are something you request after you’ve sent out a paper payment, only to find out that you need to cancel the payment. They’re pretty rare, but they do happen. A successful stop payment will cost $25 to process.

Here are a couple of examples:

• Example #1: You sent your friend a check through the Mail a Check feature, and you accidentally used the wrong address. You need to get the money back so you can send it to the right address.
• Example #2: You paid your landscaper for services, but they have not fulfilled their end of the bargain, so you don’t want them to be able to cash the check just yet.