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How do I make a deposit?

There are several easy ways you can make deposits into your 360 Savings, Kids Savings, 360 Checking or MONEY account.

External Link

To add a link online:

  1. Sign in to
  2. Click on 'Add Link', enter your new external account link information, and answer a few security questions.
  3. We will ask you to confirm ownership of your checking account by verifying 2 small amounts (you may see one or two small deposits - each less than $1.00) that we will deposit into your external checking account.
  4. Review the activity on your external checking account to determine the small amount(s) 2-4 business days after adding the link.
  5. Once you have the amount(s), sign in to and click on the ‘External Accounts’ tab. Select ‘Unconfirmed’ and enter the amount(s).

To add a link by mail:

  1. Send us a personal check payable to yourself that is pre-printed with your name and address, made out for a deposit amount of at least $1.00 from the new external account link. The name pre-printed on the check must exactly match the name on your Capital One 360 account.
  2. Write your Customer Number and the word "Link" on the memo line of the check and make sure you sign it (but do NOT endorse the check).
  3. Keep in mind that the account you would like to link must be a personal checking account, not a brokerage or money market account. Voided or "starter" checks (checks without your personal information printed in the upper left corner) or checks with the words "payable through" cannot be used.
  4. Mail your personal check to add a link to:

Capital One 360
PO Box 60
St. Cloud, MN, 56302-0060

Please Note: For your protection, if you add a link via mail, we place a temporary restriction on transfers to your new linked account for 5 business days from the date that it is received. This is a security measure to protect your money.


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


  • Deposit a check from anywhere with CheckMate using our mobile app to snap a picture of your check:
    1. Go to the Capital One mobile app and click your Capital One 360 account.
    2. Click the Deposit Icon (Note: If you're using an Android device, you'll need to select "Deposit Checks" in the menu on the top left of the screen)
    3. Click 'Start' and follow the prompted instructions
  • Access Image Upload on your desktop:
    1. Sign in to
    2. Go to the 'Transfers & Deposits' tab.
    3. Select 'Deposit Checks' and choose 'Image Upload'.
    4. Follow the 4 easy steps.
  • If you live near a 360 Café or Capital One Bank location, you can make a check deposit at the ATM. Find out if there’s one near you.
  • Mail a check for deposit  (and be sure to include your Account Number on the check): 

Capital One 360
PO Box 60
St. Cloud, MN, 56302-0060

 Keep in mind, business account customers cannot mail checks for deposit.

Direct Deposit

  • 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, clicking your account and going to the 'Documents' tab. Simply print it out, fill it in and give it to your employer.
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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.

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