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The Basics

What is CheckMate and how do I access it?

CheckMate allows anyone with an Capital One 360 Savings account, Kids Savings Account, 360 Checking or MONEY to deposit checks from anywhere. To access CheckMate - 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 use the menu in the top left of the screen).

View CheckMate 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 mobil app and go to your Capital One 360 account.
  2. Touch the ‘Deposit' icon.
  3. Snap a picture of the front and back of your check.
  4. Enter the deposit amount and select the account where you want the money to go.
  5. 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 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 deposits are generally available next business day. However, in some cases, some or all of your deposit may be held for up to 5 business days. Deposits begin earning interest on the 2nd business day after the transaction is initiated. If you're depositing a check from another 360 Checking account or from a Capital One Bank account, the entire amount of the check will be available 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, 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 $5,000 CheckMate deposit limit
  • 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.
• Person2Person Payments - Email money securely to anyone’s bank account. (Note: You'll need to enter your Sign In credentials again to send a Person2Person Payment from the mobile banking app)
• Find ATMs – Search for fee-free ATMs using an address or your current location.
• 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.

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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