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Transfers/Deposits

How do I make a deposit?

You can make deposits into your 360 Savings, Kids Savings Account, 360 Checking or MONEY several ways.

To make a deposit from another Capital One 360 account or linked checking account using any of the following options:

  • Sign in to 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.
  • Speak to an Associate at 1-888-464-0727 from 8 AM to 8 PM, 7 days a week.  

To deposit a check using any of the following options:

  • Deposit a check from anywhere with CheckMate using our mobile app to snap a picture of your check or upload an image from any computer.

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 CheckMate - Mobile:

1. Sign in to the Capital One mobile app and go to Capital One 360.
2. Touch the ‘Deposit' tab in the left menu.

  • Deposit cash or checks at a Capital One ATM:

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

  • 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

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 with your Username (Saver ID)/Customer Number and PIN, clicking your account and going to the 'Forms' 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 (not your Customer Number) and the Capital One 360 routing number: 031176110.

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 CheckMate – Use our mobile app to snap a picture of your check or upload an image from any computer.  CheckMate 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 CheckMate - Mobile:
      1. Sign in to the Capital One mobile app and go to Capital One 360.
      2. Touch the ‘Deposit' tab in the left-hand menu.
  • 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 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.

View a brief demo Opens a new window to learn more about how these transfers work.

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 with your Username (Saver ID)/Customer Number and PIN 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 CheckMate – Use our mobile app to snap a picture of your check or upload an image from any computer.  CheckMate is available to everyone with 360 Savings, Kids Savings Account, 360 Checking or MONEY.
    • To access CheckMate - Mobile:
      1. Sign in to the Capital One mobile app and go to Capital One 360.
      2. Touch the ‘Deposit' tab in the left menu.
    • 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

Keep in mind, checks deposited using CheckMate 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.

View a brief demo Opens a new window to learn more about how these transfers work.

How do I delete a transaction?

To delete a pending transaction:

  1. Sign in to capitalone360.com with your Customer Name or Saver ID and PIN
  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?

Yes, 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 with your Username (Saver ID)/Customer Number and PIN, 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.

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.

Transfers, Interest, and Hold Times

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Securities, Credit Card, Auto Finance, and Home Loan products are: Not FDIC insured · Not bank guaranteed · May lose value

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