How long does it take to transfer money to capital one 360

More Specifics

• You must be a US citizen or permanent resident with a valid Social Security number.
• Account holders must be at least 18 years old or a joint holder with an adult.
• Account opening deposit must be from a personal checking account only. Please note:
  • We don't accept brokerage, money market or savings accounts (institutions put restrictions on these types of accounts that prevent electronic transfers).
  • If your check has the words "Payable Through" with another bank name listed near the memo field, it can't be linked.

Link Verification

• You'll need to verify ownership of your external linked checking account by confirming one or two small amounts that we'll deposit in your account. (You'll receive detailed steps on the final page of this account opening process.)
• If this is a joint account and your joint account holder is on your external checking account, that person is also required to confirm the 1 or 2 small deposits.
• If you choose to fund your account via a linked account, you (and your joint account holder if you have one) will not be able to make withdrawals from your Capital One Account until the link verification is complete.
• If you do not validate the link within 60 days Capital One may close the account, return the initial deposit including any interest earned to your linked account.

Interest & hold times on deposits

• Interest starts accruing on your deposit starting the next business day after we process your request.
• All deposits are subject to a 4 business day hold before they can be withdrawn.
• Keep in mind, if you receive an account bonus, it may be reported to the IRS and/or your state as interest or miscellaneous income.

Transfers

• Transfers to your checking account will generally be at your bank within 3 business days.
• Although Capital One does not charge fees, we can't control the fees charged by your existing bank. Generally, banks do not charge for electronic funds transfers.

Adding a link

• You may link up to 3 personal checking accounts. Learn more about how to add a link by mail or online.

Statements

• Accounts opened online will automatically be set up to receive electronic statements.
• You'll automatically receive a statement every quarter. If there is activity on your account - in other words, a deposit or withdrawal - you'll get a statement each month.

Access your account online or by phone.

• Sign in to www.capitalone.com 24/7.
• Call our Interactive Phone Service with 24/7 access at 1-888-464-7868.
• Speak to an Associate at 1-800-289-1992 from 8 AM to 8 PM, 7 days a week.

Before making a transfer from an external account, you’ll need to make sure your external account has been linked up for transfers.

You can view and manage your external accounts on the website:

1. Sign in to capitalone.com
2. Click on your name/icon in the top right corner
3. Click on “Settings”
4. Under the “External Accounts” heading, you can view your linked external accounts

As long as your external account is linked up for transfers, you can make deposits or withdrawals with that external account.

To make a transfer on the website:

1. Sign in to capitalone.com
2. Click on the Capital One account you want to transfer with
3. Click on “Transfer” or “Move Money” next to your balance
4. Follow the prompts to set up your transfer

To make a transfer on the mobile app:

1. Sign in to the Capital One Mobile app (Text “MOBILE” to 80101 for a link to download)
2. Tap the Capital One account you want to transfer with
3. Tap “Transfer” below your balance
4. Follow the prompts to set up your transfer

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