Q: Is ߣ����վ a bank?

ߣ����վ is a division of Capital One, N.A. Capital One, N.A. is an FDIC-insured bank owned and operated by Capital One Financial Corporation. We offer online and mobile banking for a full suite of deposit products including checking, savings, money market, certificate of deposit, and IRA accounts. To learn more about ߣ����վ, visit discover.com/company . To learn more about FDIC coverage, visit our FDIC Deposit Insurance page or FDIC.gov.

Question 1

Is ߣ����վ a bank?

Accepted Answer

ߣ��վ is a division of Capital One, N.A. Capital One, N.A. is an FDIC-insured bank owned and operated by Capital One Financial Corporation. We offer online and mobile banking for a full suite of deposit products including checking, savings, money market, certificate of deposit, and IRA accounts.

To learn more about ߣ��վ, visit discover.com/company.

To learn more about FDIC coverage, visit our FDIC Deposit Insurance page or FDIC.gov.

Question 2

What is my bank routing number?

Accepted Answer

The routing number used for electronic transfers made by ACH (including Direct Deposit) and for domestic wire transfers (from another bank within the U.S.) is 031100649. The routing number used for international wire transfers (from another bank outside the U.S.) is 043000261.

Question 3

What is a Payable on Death (POD) Account?

Accepted Answer

A POD Account is an account where a beneficiary has been named. Upon the death of the accountholder(s), the funds in the account will be distributed evenly to each beneficiary who survives the account holders(s) (or to his or her representatives as applicable).

Question 4

How do I add or remove a beneficiary?

Accepted Answer

You can manage your beneficiaries online through the web or through the mobile app after you login into your Account Center.

You can also do it by phone by calling us at 1-800-347-7000. We will need the following information when requesting to add beneficiaries by phone:

Beneficiary Name
Beneficiary Date of Birth
Beneficiary Social Security Number
Beneficiary contact information including address and phone numbers (optional)

Question 5

What is a custodial account?

Accepted Answer

A Custodial Account is an account that is maintained by an adult (Custodian) for the benefit of a minor.

Note: We establish and maintain all custodial accounts under the Delaware Uniform Transfers to Minors Act.

Question 6

What types of accounts can be opened as custodial?

Accepted Answer

Certificates of Deposit, Money Market accounts and Online Savings accounts can be opened as custodial accounts.

Question 7

How do I apply for a custodial account?

Accepted Answer

To apply for a Custodial account, call us at 1-866-515-5283. U.S.-based Banking Specialists are available Monday - Friday 8 a.m. to 10 p.m. (ET) and Saturday/Sunday 10 a.m. to 6:30 p.m. (ET) to assist you with completing your custodial account application.

Question 8

How does the identification code process work?

Accepted Answer

We may need to send you an identification code via text message or phone call to verify your identity. This might occur when you log in from an unrecognized computer or mobile device, or for certain actions like changing your profile information. There's no need to sign up; this is an automatic service for your added security and protection. Once you receive the code, you will need to enter it when prompted.

FRAUD NOTE: ߣ��վ will not call you to ask for this code. If you receive a call (even a call with a purported caller-identification of ߣ��վ) requesting this code, the call is not from ߣ��վ and may be an attempted fraud.

Question 9

I've received multiple identification codes. Which one do I use?

Accepted Answer

Use the most recent identification code and disregard the previous ones you received; they are no longer valid when you request a new one.

Question 10

Will my identification code expire?

Accepted Answer

Yes, your identification code is temporary and will expire if you don't use it within a certain time period. If needed, you can request a new one by clicking the "Get New Code" button.

Question 11

I already have an identification code but I get an error when I click "Continue." What should I do?

Accepted Answer

If you already have an identification code, there is a link at the bottom of the page to "Go to next step" - you can use this option to continue.

Question 12

When can I access deposited funds?

Accepted Answer

For information on funds availability, please refer to the Deposit Account Agreement and for mobile deposits the Mobile Check Deposit Service User Agreement Addendum.

Question 13

What are my online transfer limits?

Accepted Answer

The following limitations apply to online transfers initiated through ߣ��վ's Account Center:

Incoming limit is up to $250,000 per 30-day rolling period for each Account Center registered owner.¹
Outgoing limit is up to $250,000 per 30-day rolling period for each Account Center registered owner.
The limits above are subject to a combined incoming/outgoing limit of $300,000 per 30-day rolling period for each Account Center registered owner.
For security reasons, there may be additional limits on the dollar amount and the number of external transfers made through this Service.
To see your limits, please look in Account Center during ACH transfer setup.

¹Checking accounts opened online or through the ߣ��վ App after March 20, 2022 are subject to up to $10,000 incoming limit per 30-day rolling period for each Account Center registered owner.

Note: The transfer limits noted above only apply to transfers initiated at ߣ��վ through the Account Center. Transactions initiated externally do not have limits from ߣ��վ, other than the limitation of available funds in your Account, but may be limited by the external financial institution.

Additional restrictions may apply. See the Account Center (Banking) Agreement for complete details.

Question 14

Are there any new customer deposit limits?

Accepted Answer

For security reasons, there may be new customer deposit limits imposed when you initiate a funds transfer at ߣ��վ or when you deposit a check through our Mobile Check Deposit service. Additional deposit methods include initiating an ACH transfer from another financial institution, mailing a check deposit, or making a deposit via wire transfer. Please note that other deposit limitations and funds availability policies apply. See the Deposit Account Agreement for more details.

Question 15

Can I manage my ߣ����վ account on my mobile phone?

Accepted Answer

With the ߣ��վ Mobile App for Android, iPhone, and tablet you
are able to:

Deposit Checks via our Mobile Check Deposit Service
View account balances and see recent account activity
Pay bills via our Bill Payment Service
Set up one-time or recurring transfers
View scheduled transfers and payments
Contact customer service
Redeem your Cashback Bonus
View your account number & routing number
Update your Profile & Settings
Find no-fee ATMs nearby
Manage Alert preference

You must be registered for the ߣ��վ Account Center to use our ߣ��վ App. You can also download the app by texting APP to 20877. Message and data rates may apply.

Question 16

How do I start using the ߣ����վ Mobile app to bank?

Accepted Answer

If you haven’t done so yet, register for a banking account online at ߣ��վ.com/register-account. You can then download ߣ��վ Mobile through your device’s app store or by texting APP to 20877 (message and data rates may apply). Finally, open the ߣ��վ Mobile app on your device and enter your banking account user ID and password to log in.

Question 17

Are there any fees I need to pay to use the ߣ����վ Mobile app?

Accepted Answer

No. The ߣ����վ Mobile app is free to download and use.

Question 18

Do I need to use the app?

Accepted Answer

No. If you don’t have a smartphone or a compatible mobile device or if you simply don’t want to download the app, you can always access your account at ߣ��վ.com.

Question 19

Is the ߣ����վ Mobile app secure?

Accepted Answer

Yes. The safety and security of your account is our priority. Here are just a few ways ߣ��վ helps protect your information:

We use encryption technology to help prevent unauthorized access to your account.
We proactively monitor your account for any suspicious activity.
ߣ��վ, a division of Capital One, N.A., is a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposits are FDIC-insured up to the maximum allowed by law.

To learn more about how we keep your account secure, visit our Online Banking Security Center.

Question 20

What is Fingerprint login?

Accepted Answer

Fingerprint login for iOS and Android devices allows you to securely access your account with your fingerprint instead of typing in your login information or Passcode.

Question 21

Does Fingerprint login work for all devices?

Accepted Answer

Fingerprint login for our ߣ��վ Mobile app is available for Apple devices with Touch ID^® technology (with minimum supported iOS 15) and for Android devices with built-in fingerprint readers (with minimum supported OS 10).

Question 22

How do I enable Fingerprint login?

Accepted Answer

In order to use Fingerprint login, you must first have the Passcode function enabled. To enable both Passcode and Fingerprint:

Log in to the ߣ��վ App and navigate to Profile & Settings
Select either "Touch ID^®" if you are using an iOS device or “Fingerprint” on Android. You will then be guided through setting up a Passcode and Fingerprint login

Question 23

I cancelled out of the Fingerprint pop-up box when logging in. How do I return to the Fingerprint option?

Accepted Answer

If you cancel out of the Fingerprint pop-up box when launching the ߣ����վ App, you will be taken to the Passcode keypad for login, where you can choose Fingerprint below and to the right of Passcode.

Question 24

I was unable to successfully log into my account using Fingerprint. Why do I no longer have the option to use Fingerprint login?

Accepted Answer

After a number of unsuccessful attempts, Fingerprint login will be temporarily disabled until you log in to your device using the Passcode. Please make sure you have the correct fingerprint saved by going to the "Settings" menu of your device.

Question 25

I no longer want to use Fingerprint login. How do I disable this feature?

Accepted Answer

If you have Fingerprint login enabled and would like to disable it:

Navigate to Profile & Settings in the ߣ��վ App
Select either “Touch ID^®” if you are using an iOS device or "Fingerprint" on Android
Slide the switch to “Off”

Question 26

Does ߣ����վ store and maintain my fingerprints?

Accepted Answer

Enabling Fingerprint login grants ߣ��վ access to validate your fingerprint against any of the fingerprints stored on this device. ߣ��վ does not store or maintain your fingerprint.

Question 27

What is Passcode?

Accepted Answer

Passcode allows you to create a numerical 4-digit code which makes logging in faster and easier. You may enter only your Passcode instead of your full User ID and Password to access your account.

Question 28

How do I enable Passcode?

Accepted Answer

To enable Passcode:

Navigate to Profile & Settings in the ߣ��վ App
Select Passcode
Slide the switch to ‘On’ and follow the on-screen guidance

Question 29

How do I disable my Passcode?

Accepted Answer

If you have Passcode enabled and would like to disable it:

Navigate to Profile & Settings in the ߣ��վ App
Select Passcode
Slide the switch to 'Off'

You can disable your Passcode at any time. If you have Passcode enabled on more than one device, it will continue to be enabled on those devices until you disable it for each device. You can also call 1-866-245-7419 to have a Banking Specialist disable your Passcode on all your devices at one time.

Question 30

What if I lose my device that has Passcode enabled?

Accepted Answer

To protect your account, we advise that you call 1-866-245-7419 to disable Passcode on all your devices. This will prevent others from attempting to log in to your account with your Passcode.

Question 31

What happens if I'm trying to log in with Passcode and enter it incorrectly too many times?

Accepted Answer

For security purposes, you will be locked out of the application after a certain number of failed attempts. If your account becomes locked, please call our Banking Specialists at 1-866-245-7419 to unlock your account.

Question 32

How do I register and manage my deposit account(s) online?

Accepted Answer

Our registration process is quick and easy—with a few simple steps. When you register, you will need to provide the last 4 digits of one of your ߣ��վ bank account numbers and verify the security information provided when you opened your account. If you have multiple bank accounts with us, you will only need to register once as all your bank accounts are automatically linked to your online profile. To register for online banking, click here.

You can also manage your account via our mobile app. Click here to learn more about mobile banking.

Question 33

What are the User ID and Password guidelines?

Accepted Answer

Your User ID must be between 6-16 characters in length and can contain letters, numbers, and most special characters. Your Password must be 8-32 characters in length and must contain at least 1 letter and at least 1 number. Your Password is case sensitive and can contain most special characters.

Question 34

What should I do if I forget my User ID or Password?

Accepted Answer

If you forget your User ID or Password, click here. If you are still unable to log in, call us at 1-800-347-7000.

Question 35

If I have a joint account, can we both sign up for the Account Center at ߣ����վ.com/online-banking?

Accepted Answer

Yes. Each joint owner should register separately to securely protect his/her personal information. Account holder(s) should not share User IDs or Passwords.

Question 36

What is Overdraft Protection?

Accepted Answer

Overdraft Protection is a link between your Deposit accounts that transfers funds to help avoid the inconvenience of returned items and insufficient funds. You can link a ߣ��վ account so that funds in a funding account can be automatically used to cover eligible transactions in your protected account that would otherwise be returned unpaid.

Overdraft Protection is used to cover checks, online bill payments and ACH transfers initiated at another bank. It does not apply to ATM, debit card transactions or transfers initiated at ߣ��վ.

Question 37

How does Overdraft Protection work?

Accepted Answer

In the event your protected account does not have sufficient available funds to cover an eligible transaction, the Overdraft Protection service will automatically initiate a transfer of funds from your designated funding account to your protected account in the overdrawn amount. Note: Overdraft Protection service is not automatic and requires you to sign up for the service.

See the Overdraft Protection Service Agreement Addendum for complete details.

Question 38

What is a protected account?

Accepted Answer

Your protected account is the account you choose to provide funding to from another account if there are not sufficient funds to cover your transactions. Checking, Money Market and Savings accounts can be set up as a protected account.

Question 39

What is a funding account?

Accepted Answer

Your funding account is the account you wish to provide funding from in the case that sufficient funds are not available in the protected account to fund transactions.

Checking, Money Market and Savings accounts can be set up as a funding account.

Question 40

What types of transactions are covered by Overdraft Protection?

Accepted Answer

Online Bill Payments, electronic transfers initiated externally and checks are covered by Overdraft Protection. Debit Card purchases, ATM withdrawals and transactions initiated at ߣ��վ are not covered.

Question 41

Are there any Overdraft Protection Fees?

Accepted Answer

There are no fees associated with using ߣ��վ's Overdraft Protection Service. No fee is assessed for enrolling in or using ߣ��վ's Overdraft Protection Service to cover transactions.

Question 42

If I do not have enough money in my funding account to cover the total amount overdrawn in my protected account, will my transactions still be covered by Overdraft Protection?

Accepted Answer

If the amount overdrawn from your protected account is not available in your funding account, we will initiate the Overdraft Protection Service to cover as many eligible transactions, from lowest dollar amount to highest dollar amount, as there are available funds in your funding account.

Transactions where sufficient funds are not available in your funding account will be returned unpaid.

See the Overdraft Protection Service Agreement Addendum for complete details.

Question 43

How can I enroll in Overdraft Protection Service?

Accepted Answer

When you are logged into your online account via the Account Center, select Overdraft Protection under Accounts. This will direct you to the Overdraft Protection enrollment page.

Question 44

Can I have multiple funding accounts identified for a single protected account?

Accepted Answer

You are only allowed to identify one funding account for each of your protected accounts at a time.

Question 45

Can I use one of my accounts as the funding account for multiple protected accounts?

Accepted Answer

You are only allowed to use an account as a funding account for one protected account at a time.

Question 46

Can one account be used as both a protected and funding account?

Accepted Answer

An account can only be used once, as a protected or funding account, as part of the Overdraft Protection Service.

Question 47

Is ߣ����վ Online Banking safe?

Accepted Answer

Yes. The safety and security of your Online Banking accounts are top priority. Here are a few of the ways we help protect your accounts and information:

We use sophisticated encryption technology to prevent unauthorized access to your information online and in the ߣ��վ mobile app.
We proactively monitor your accounts for potential fraud and will reach out if we see anything suspicious.
ߣ��վ, a division of Capital One, N.A., is a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposits are FDIC-insured up to the maximum allowed by law.
We offer tools you can enroll in, such as account alerts, to help you boost your account’s security.

To learn more, visit our Online Banking Security Center.

Question 48

Is my account and personal information secure when I log in?

Accepted Answer

Yes. Each time you log in, we will authenticate you with your user ID and password and your session will time-out after a period of inactivity.

Question 49

Will ߣ����վ ever send me an email asking for my personal information?

Accepted Answer

No, ߣ��վ will never send you an email requesting you to reply directly in an email with any personal information such as:

Account numbers
Account Center user ID or password
Birth date
Social security number

If you do receive a suspicious email, please call us immediately at 1-800-347-7000.

Question 50

What are the benefits of enrolling in Paperless Statements?

Accepted Answer

Security—protect your information behind a secure login.
Convenience—access up to 7 years of statements online and via the ߣ��վ App any time you need it.
Quicker access—eliminate the wait for mail. We’ll send you an email notification after your statement is ready to access.
Environment-friendly—save paper and reduce clutter at home.

To enroll in paperless statements, log in and update your settings.

Once enrolled, we'll send you an email notification after your statement is ready to access. You will also be able to view your statements online and in the ߣ��վ App after you are logged in.

Question 51

What accounts are eligible for enrollment in Paperless Statements?

Accepted Answer

All accounts are eligible for paperless statements except for IRA CDs. For IRA CDs and IRA Savings, your annual plan statement will be available to view online and will also be mailed.

Please note that new Online Savings and Cashback Debit accounts are automatically enrolled in paperless statements and some accounts may default to paperless when opened online or via the ߣ��վ App. Cashback Debit accounts require paperless enrollment and IRA CDs require paper enrollment but for all other products, you can modify the paper or paperless setting at any time.

To enroll in paperless statements, log in and update your settings.

Question 52

How do I enroll in Paperless Statements?

Accepted Answer

Paperless enrollment must be completed online or via the ߣ����վ App after log in. Once enrolled, we’ll send you an email notification after your statement is ready to access. You will be able to view your statements online and via the ߣ����վ App.

Question 53

When will I receive my statements?

Accepted Answer

Checking and money market account statements are available monthly.
Savings, IRA Savings and non-IRA CD account statements are available quarterly. However, if there is an electronic fund transfer transaction within the month, we’ll provide a statement for the month the transaction was processed.
IRA CD statements are available in January annually.

If you are enrolled in paperless statements, we’ll send you an email notification after your statement is ready to access.

To view, save and print your statements, click here.

Question 54

If I’m enrolled in Paperless Statements, can I still get paper copies of my statements?

Accepted Answer

Yes. You can print your statement directly from the PDF provided in the Account Center. Simply open the PDF and select “Print”. You have access to view, save and print the last 7 years of statements. You can also call us at 1-800-347-7000 to request copies.

To view, save and print your statements, click here.

Question 55

Why do I need to update my browser?

Accepted Answer

Keeping your browser up-to-date is important for both security and ensuring that web pages load properly. Updating your browser also helps ensure that you have the best online experience possible

For security reasons, you'll need to update your browser in order to view ߣ��վ.com/online-banking/ and access the Account Center.

Click here for more information about identifying your browser and how to update your browser or contact a Customer Service representative at 1-800-347-7000.

Question 56

How do I send a wire transfer?

Accepted Answer

Important: Please submit your request at least 2-3 days in advance of when you would like us to process your wire to ensure pre-processing and verification (if needed) can be completed.

You can initiate your wire transfer request in one of the following ways:

Account Center online (for domestic wire transfers only): Log in, select "Transfers" or "Transfers & Payments" in the navigation menu and follow the instructions for Wire Transfer
ߣ��վ App (for domestic and international wire transfers): Log in, select the Transfer icon and follow the instructions for Wire Transfer

International and Domestic Wire Transfer requests received and verified before 3:00 PM ET on a business day will be processed the same day. Requests received and verified after 3:00 PM ET on a business day or any time on a weekend or holiday will be processed by the next business day.

A Wire Transfer Specialist will review your request before your wire transfer is processed. If we need to verify additional information, we will attempt to contact you within 1 business day of your submission at the phone number of record on your account.

Wire Transfer Specialists are available to help Monday–Friday, 8:00 a.m. – 7:00 p.m. Eastern Time (ET). They are unavailable on weekends and Federal Reserve Bank holidays.

NOTE:

International wire disclosure will be read on the day wire is scheduled to be sent through a phone call.
Regarding International Outbound Wires, ߣ��վ only sends wires funded in U.S. dollars. If the beneficiary’s account is not denominated in U.S. dollars, then you will need to send the wire from a different bank. If a wire is sent denominated in U.S. dollars, the proceeds of an international wire transfer may be delivered in the foreign currency equivalent, less any applicable fees assessed by the beneficiary’s bank.
Wire transfers may be delayed, not processed, and/or funds may be frozen if we or an intermediary bank perceives that a wire request may be in violation of United States OFAC sanction programs or other applicable laws.
Important: If you provide an incorrect beneficiary account number or incorrect beneficiary bank identifier (ABA Routing Number, SWIFT, IBAN or CLABE), you could lose the transfer amount.

Question 57

Is there a service charge for sending a wire transfer?

Accepted Answer

There is a $30 service charge for each outgoing wire transfer sent from your ߣ��վ bank account.

Question 58

Is there a fee for receiving a wire transfer?

Accepted Answer

We do not assess a service charge for receiving domestic wires or for receiving international wires in U.S. dollars.

For international wire transfers received in a foreign currency, the currency exchange rate is determined by our designated intermediary bank and will impact the amount received by ߣ��վ. Our designated intermediary bank may also apply a $20 currency exchange fee.

Note: If an intermediary bank not designated by us is used in the transfer process (domestic or international), that intermediary bank may charge you a fee for their services that could decrease the total amount we receive.

Question 59

What information do I need to send a Domestic Wire to my ߣ����վ bank account?

Accepted Answer

For domestic wire transfers (from another bank in U.S.), please wire funds to:

Beneficiary Bank: ߣ��վ, a division of Capital One, N.A.
ABA/Routing Number: 031100649
Beneficiary Bank Address (if required): 502 East Market Street, Greenwood DE 19950
Beneficiary Name: Your name (as it appears on your ߣ��վ bank account)
Beneficiary Address: Your address (as it appears on your ߣ��վ bank account)
Beneficiary Account Number: Your ߣ��վ bank account number

Further Credit Tips

This is an optional field, please note that there is a 140-character limit (including spaces) for this field.

Question 60

How long do Domestic Wire transfers take to post?

Accepted Answer

Wire transfers received and internally verified before 4:00 PM ET will be posted to your account on the business day we receive them.
Wire transfers received and internally verified after 4:00 PM ET will post to your account the following business day, with an effective date of the business day the funds were received.

Some wire transfers may require additional processing time. In those cases, your wire transfer will post to your account upon completion of processing, with an effective date of the business day the funds were received. If it has been more than 2 business days since your inbound wire was sent and it has not yet posted, feel free to call us at 1-800-347-7000.

Question 61

How do I receive the Domestic Wire transfer updates?

Accepted Answer

Wire Transfers are generally received within 1-2 business days, however factors such as bank cut off times and intermediary banks if applicable.
The best way to monitor when your wire transfer is posted to your account is to set up account alerts where you can choose to set up alerts whenever funds are posted to your account, based on a specific amount threshold, etc.

Question 62

What are the rules for the Domestic Wire returns?

Accepted Answer

A wire transfer may return for several reasons including:

Missing/Incomplete Information
The information provided does not match what is on your ߣ��վ bank profile
A request received from the external bank

Once a return has been initiated there is no way for ߣ��վ to stop or cancel the return.

If your wire is returned, funds should be received by the EFI no later than 10-13 business days.

Question 63

What information do I need to send an International Wire to my ߣ����վ bank account?

Accepted Answer

For international wire transfers (from another bank outside the U.S.), please wire funds to:

Beneficiary Bank: BNY
ABA/Routing Number: 043000261
SWIFT Code: IRVTUS3N
Beneficiary Bank Address (if required): #3 Mellon Bank Center, Pittsburgh, PA 15258
Beneficiary Name: ߣ��վ, a division of Capital One, N.A.
Beneficiary Account Number: 9914394
For Further Credit to: Your name (as it appears on your ߣ��վ bank account), your address (as it appears on your ߣ��վ bank account), and your ߣ��վ bank account number

There is a 140-character limit (including spaces) for the Further Credit section, to ensure the necessary information to post your wire is received following these tips:

Do not place information on individual lines, use a comma to separate the information
Common abbreviations such as RD instead of Road, Jr instead of Junior, etc. are acceptable

Information ߣ��վ bank requires in the Further Credit Section to post your wire transfer:

Your Name- As it appears on your ߣ��վ Account
Your address- As it appears on your ߣ��վ Account
Your full ߣ��վ Account Number you’d like to post the wire to
Example: John Doe, 1234 ߣ��վ RD SLC, UT 84130, 1234567

Question 64

How long do International Wire transfers take to post?

Accepted Answer

While Wire Transfers are generally received within 1-2 business days, International Wires may require additional processing. This can vary based on the number of intermediary banks involved.
Wire Transfers received and internally verified before 4:00 PM ET will be posted to your account on the business day we receive them.
Wire Transfers received and internally verified after 4:00 PM ET will be posted to your account the following business day; with an effective date of the business day the funds were received.

Some wire transfers may require additional processing time. In those cases, your wire transfer will post to your account upon completion of processing, with an effective date of the business day the funds were received. If it has been more than 2 business days since your inbound wire was sent and it has not yet posted, feel free to call us at 1-800-347-7000.

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Online Banking FAQ

We’re here to help

Can’t find what you’re looking for in our Online Banking FAQ?

Friendly support from a real person who’s here to help

ߣ��վ