How do I access CheckMate – Image Upload?
CheckMate is available to everyone with 360 Savings, Kids Savings Account, 360 Checking or MONEY. To access Image Upload:
- Sign in to capitalone360.com
- Go to the ‘Transfers & Deposits’ tab
- Select the ‘Deposit Checks’ tab, choose ‘Image Upload’ and follow the steps
View CheckMate Terms & Conditions
How do I upload a check using Image Upload?
Uploading your check is easy. First, you’ll need to have the images of the front and back of your check already saved on your computer.
You can use a digital camera, your mobile device, or even your scanner to take an image of your check. Once you’ve saved the images of your check:
- Sign in to capitalone360.com and go to the ‘Transfers & Deposits’ tab
- Select ‘Deposit Checks’
- Choose the ‘Image Upload’ option and follow the steps
Still need help? Check out 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 CheckMate?
Nope, CheckMate 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?
Checks deposited using CheckMate have slightly different hold times than regular transfers. Here’s the breakdown:
- Checks deposited into 360 Checking or MONEY for less than $500 – first $200 is available the next business day, the remaining funds are available after 2 business days
- Checks deposited into 360 Checking or MONEY for greater than $500 – first $200 is available the next business day, the remaining funds are available after 5 business days
- Any deposit into 360 Savings or Kids Savings Account - funds are available after 5 business days
Here are a few examples:
- I deposit a personal check of $600 into my 360 Checking on Monday, May 7, 2012 (after 5 PM ET). The first $200 is available on Wednesday, May 9, 2012. The remaining $400 is available on Tuesday, May 15, 2012.
- I deposit a personal check of $200 into my 360 Checking on Monday, May 7, 2012 (before 5 PM ET). The entire check is available on Tuesday, May 8, 2012.
- I deposit 2 personal checks, each for $200 into my 360 Checking on Monday, May 7, 2012 (before 5 PM ET). That means the total amount I deposited on Monday is $400. The first $200 of that amount is available on Tuesday, May 8, 2012. The remaining $200 is available on Wednesday, May 9, 2012.
- I deposit a personal check of $400 into my 360 Savings on Monday, May 7, 2012 (before 5 PM ET). The entire check will be available on Monday, May 14, 2012.
For some deposits, like federal checks, the total amount of the funds will be made available the next business day. Also, if you're depositing a check from another 360 Checking, the entire amount of the check will be available the next business day.
Is there a cut off time in order to have funds available the next business day?
Checks deposited after 5 PM ET Monday through Friday, after 2 PM ET on Saturday and anytime on 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:
- Sign in to capitalone360.com
- Select the account you deposited the check into
- Click on the check reversal transaction
Depending on the issue, you may be able to resubmit the check.
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 $3,000 CheckMate deposit limit
- You’re missing a signature on the back
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, the funds will be available immediately.