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Hold Times

Why is there a difference between my Balance and my Available Balance?

Your ‘Available Balance’ represents funds available for withdrawal (or for spending). The difference between ‘Balance’ and ‘Available Balance’ is what is 'Pending.' Pending transactions are usually recent deposits you’ve made that are still on hold, payments that are in the process of being sent or Card transactions that have not yet completed – such as when you make a purchase and sign for it.

Your ‘Available Balance’ might also differ from your ‘Balance’ if there are pending electronic transfers due to clear during overnight processing. An example might include when you use your Card for a security deposit at a car rental agency.

When do deposits start accruing interest and how long are they on hold?

Interest starts accruing on your deposit starting the next business day after being processed.

All deposits into a 360 Savings and Kids Savings Account are subject to a 5 business day hold before they can be withdrawn. For security reasons, your initial deposit used to fund the account is on hold and unavailable for withdrawal for 10 business days.

Note: Your initial deposit must clear the initial 10 business day hold time before any additional deposits become available. For example, if you make your initial deposit on December 8th and make an additional deposit December 11th, both deposits will be on hold until the first deposit clears the initial 10 business day hold.

Electronic deposits that are automatically initiated outside the bank – like Direct Deposit or Social Security benefits – are available immediately. Transfers between Capital One 360 and Capital One Bank accounts are also available immediately. Both begin earning interest right away.

Deposits into 360 Checking are slightly different. Learn more.

What are the different types of transaction statuses?

360 Checking and MONEY:

  • Pending Payments – Your payments have been sent but are considered pending while we verify the delivery type (electronic or paper) and the estimated arrival date. Once we receive this information, your payment will move to History.
  • Pending Card Transactions – Card transactions may show up when a merchant has received authorization for the purchase but hasn’t completed the processing of the transaction. Sometimes these pending transactions will show up for $1.00 because the merchant will first “test” your Card to make sure your account is active and in good standing. Once the merchant actually processes the transaction, it will post under the ‘History’ section for the full amount.

All Accounts:

  • Deposits on Hold – Recent deposits that are unavailable for withdrawal.

How long are deposits to my 360 Checking "held"?

That depends on the type of deposit you make. Deposits pulled from your external linked checking account are on hold for 2 business days and are unavailable for withdrawal during that time. Keep in mind, transfers made from a Capital One Bank account are available right away. Check deposits are on hold for 2 business days; however, the first $200 of the total check deposit amount is made available the next business day. Deposits begin earning interest on the 2nd business day after the transaction is initiated. (If you're depositing a check from another 360 Checking or from a Capital One Bank account, the entire amount of the check will be available the next business day.)


Deposits that are automatically originated outside the bank that come to us electronically – like Direct Deposit or Social Security benefits – are generally available immediately. Transfers between Capital One 360 and Capital One Bank accounts are also available immediately. Both begin earning interest right away.

Keep in mind, checks deposited using CheckMate have slightly different hold times than regular transfers. Learn More

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
  • A check deposit drawn on 360 Checking or a Capital One Bank account - funds are available the next business day
    • Funds from a credit card cash advance check (even if issued by Capital One) are not subject to next business day availability and will follow the standard hold times listed above.

Note: Checks deposited into 360 Checking or MONEY via a check deposit taking ATM are available after 2 business days (the first $200 will be available the next business day).

For some deposits, like Federal checks, the total amount of the funds will be made available the next business day.

Here are a few examples:

  1. 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.    
  2. 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.
  3. 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.    
  4. 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.

Note: For checks deposited into 360 Checking or MONEY via a check deposit taking ATM, the cut-off time to make check deposits is 9 PM ET (vs. the usual cut-off time of 5 PM ET).

Transfers, Interest, and Hold Times

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