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Mail a Check

How does the Mail a Check feature work?

It’s an online checkbook, so it works just like your paper checkbook, except here you’re writing a check with your computer, not your pen. No stamp. No envelope. No running to the post office. Just fill in the payment details and to whom the check should be sent. We’ll send the check via first-class U.S. Mail the next business day – at no cost to you. That means it’s more convenient for you and saves you money too.

NOTE: In order to send your payments as efficiently as possible, if the recipient of a payment you initiated using the Mail a Check feature can receive payments electronically, we will send it electronically.

To Mail a Check:

  1. Sign in to
  2. Select the ‘Payments' tab
  3. Select ‘Mail a Check’ 
  4. Enter the check information – name, send date, amount, etc.


How much does it cost to use the Mail a Check feature?

There is no cost to you.

What is the cut-off time to use the Mail a Check feature?

You should submit your request by 11:59 PM ET in order for it to be sent via first-class mail the next business day. If it’s a Saturday, it will be processed and sent on Monday. Checks sent via first-class mail will arrive within 5 business days.

How much can I make a Mail a Check out for?

Mail a Check payments are limited to $100,000.

How can I find out when a paper check sent through Mail a Check has cleared?

You can view this info online or set up an email notification that will alert you when a check has been cleared.

To view this info online:

  1. Sign in to
  2. Click on your 360 Checking
  3. Click on the transaction in question
  4. The 'Payment Cashed On' field will list the date the check cleared or say 'Not cashed yet' if the check hasn’t cleared yet

To receive an email notification when a check is cashed:

  1. Sign in to
  2. Click on the 'Alerts & Messages' drop down and choose 'Manage Alerts' 
  3. Select the ‘Paper Check Cashed Notification’ box under the Email column and click 'Save'

What are stop payments and why would I ever need to do one?

Stop payments are something you request after you’ve sent out a paper payment, only to find out that you need to cancel the payment. They’re pretty rare, but they do happen. A successful stop payment will cost $25 to process.

Here are a couple of examples:

  • Example #1: You sent your friend a check through the Mail a Check feature, and you accidentally used the wrong address. You need to get the money back so you can send it to the right address.
  • Example #2: You paid your landscaper for services, but they have not fulfilled their end of the bargain, so you don’t want them to be able to cash the check just yet.

How do I stop payment on a paper payment?

To request a stop payment:

  1. Click on your 360 Checking
  2. Click on the transaction
  3. Follow the instructions at the bottom of the screen

We will not assess the $25 Stop Payment Charge until we have successfully stopped the payment.

We can’t do a stop payment if a payment has been sent electronically. You’ll know that it’s been sent electronically if you don’t see the stop payment button. Once it’s sent electronically, you’ll have to deal directly with the company in order to get the payment credited properly.

What if I really need a paper check to give or send to someone?

360 Checking gives you options. For those times when you really need a paper check, you can send one from your computer. Learn more about mailing paper checks. And remember, you can always transfer money back to your linked checking account and write a check from that account as well.

Can you issue a certified check?

No. We do not offer certified check services, but we CAN overnight you a Cashier's Check. In most cases, this would also work. Learn how to send a Cashier's Check.


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