(5) The confirmation code or number of the transaction. We may refuse to pay an overdraft item at any time, even though we have previously paid overdrafts. we may charge a fee, and you agree to pay this fee. Overdrafts: In the event that we pay a check drawn on a joint account and that payment causes an Overdraft, each party to that joint account will be jointly and severally liable to us for the amount of that Overdraft without regard to which party signed the check or for what purpose the proceeds of the check were used. * You understand and agree that even if you have authorized us to do so, you have no right to overdraw your account at any time, for any reason, and our decision to pay overdraft items is solely within our discretion. All checks, withdrawals and other debits will be paid from the DDA sub-account. offices. Welcome to Capital One, N.A. We will not be responsible for damages for wrongful dishonor of an item resulting from a preauthorization hold. Only the trustee is authorized to perform transactions on the trust account. Except as otherwise provided by applicable law, the maximum period for which we shall be liable for interest on any amount to be refunded or paid to you with respect to an unauthorized, erroneous or other Funds Transfer Request is thirty days. We may report information about your account to credit bureaus and/or check verification systems. We will attempt to communicate with you only by use of the most recent address you have provided to us. We will provide prior notice of changes to you as required by applicable law. Different limits may be assigned on a case-by-case basis. For example, your debit card transaction is paid when the merchant requests payment of a transaction that we previously authorized-which can be days after the authorization. At certain Capital One Bank-branded ATMs, you can also use your ATM/Debit Card and PIN to purchase non-monetary items (such as gift certificates). Each correspondent will be liable only for its own negligence. If you have questions regarding zero liability coverage or you suspect unauthorized use of your debit card, contact us IMMEDIATELY. Customers can set up online bill pay with their Capital One checking … Substitute checks should only be generated by banks during the check collection process. (These funds will be available at the time that funds from the check we cashed would have been available if you had deposited the check.). However, at our discretion, we may use reasonable efforts to act on any request for cancellation or amendment, provided that the method by which we are notified of a request for cancellation or amendment complies with our security procedures. Available balance – the amount of money available for withdrawal or for your use. B. Varying amounts: If these regular payments vary in amount, the person you are paying must tell you ten (10) days before each payment when it will be made and how much it will be. Amendments and Fee Changes. If you do not know this information, you may be unable to have the payment stopped without closing your account. Automated Teller Machine (“ATM”) transactions. YouTube The law establishes procedures under which unclaimed property must be surrendered to the applicable State. Also, restaurants typically request authorization for 20% more than the price of the meal. We shall not be liable for any transactions you later allege are unauthorized unless you have placed a stop payment order, and we have had a reasonable time to act upon your stop payment request. During your life, the funds in the account belong to you and, until your death, or if there are co-owners, upon the death of the last co-owner, the beneficiary(ies) have no interest in the account and cannot perform transactions on the account. If you have any questions, contact a banking officer. C. If you, or your Authorized Representative, breach any such laws or regulations, you irrevocably agree that we may retain any monies or funds transmitted to us pursuant to this Agreement and/or not fulfill any Funds Transfer Request if we are required to take or refrain from such action by any legal, regulatory or governmental authority or if we reasonably believe that such action may violate any laws or regulations described herein, and such monies shall not bear interest against us. Capital One, N.A. All Funds Transfer Requests delivered in person, by email, or by facsimile must be in writing, signed by you or your Authorized Representative and must contain detailed and specific instructions in a form acceptable to us in our sole discretion. Additionally, and where applicable as set forth above, the individual who signs the signature card as Secretary hereby certifies that (1) she/he is the duly qualified Secretary or other authorized officer of the business entity identified on the signature card as the account holder; (2) such business entity is organized and existing under state or federal law; (3) all actions by shareholders, directors and all others necessary to execute this signature card and establish an account with Capital One Bank have been taken; and, (4) until further actual notice to Capital One Bank, each signer is authorized to transact on the account until Capital One Bank receives actual written notice in a form acceptable to us, executed by the number of Signers required to execute withdrawals on the account, and/or executed by others as required by us, that such Signer is no longer so authorized. If the account owner is not a natural person, such as a corporation, unincorporated association, limited liability company, partnership or any other entity holding an account in any capacity other than an individual capacity, and as may be required by Capital One Bank for the specific deposit account, each person who signs the signature card hereby certifies that they are fully authorized to execute all documents in their stated capacity. We generally charge a fee for each overdraft item, but the following exceptions apply: We will not charge a fee for one-time debit card transactions (such as a point of sale purchase at a store) and ATM transactions unless you opt into our optional overdraft service. We will give you a receipt for the total amount shown on your deposit ticket, but the amount must be verified before it is credited to your account. Android is a trademark of Google Inc. By clicking on the Google Play link above, you will be taken to a site hosted by Google Inc. Apple, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Direct deposit eliminates paper checks and the need to make a trip to the bank to deposit funds. We will not be liable for the loss of items in transit. Welcome to Capital One, N.A. You will pursue your rights or, at our option, assign them to us so that we may pursue them. We will require you to submit an affidavit of unauthorized activity in connection with any such transaction immediately thereafter. If the preauthorization request varies from the amount of the actual transaction, payment of the transaction may not remove the preauthorization hold immediately. Your New Account. Business Accounts. Subject to any rights we may have with respect to advance notice of withdrawal from your account, you may close your account at any time and for any reason. If your deposit of these checks (other than a U.S. Treasury Check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. To help you better understand our debit processing, we have created the following table that includes both the category of debits to be processed and our processing order for each: Uncollected/Held Funds. Security Procedures: You agree and consent to the use of certain security procedures by us to confirm the validity of the Funds Transfer Request made pursuant to this Agreement. At certain ATMs, cash withdrawals may only be made from your primary savings and primary checking account. Taxpayer Identification Number. Your Access Device and Your Personal Identification Number: An access device is a card, personal identification number ("PIN"), or other code used to initiate an electronic fund transfer ("EFT") to or from your account. You authorize us to recognize the signature, oral or electronic instruction of any co-owner for withdrawals, payments or funds transfer. Log into your account at capitalone.com and click on the transaction. To help the United States Government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information identifying each person who opens an account. Limitations on Assignment and Transfer of Ownership. If you do not, then your verbal request will expire after fourteen (14) days. The below limits apply to High Yield Checking and High Interest Checking accounts: The below limits apply to all other products (excluding High Yield Checking and High Interest Checking accounts): D. Third Party Transaction Limitation: Savings and money market accounts are permitted no more than six (6) transfers per statement cycle to a third party or to another account of the depositor at Capital One Bank. We reserve the right to require waiting periods, as described in the Deposit Availability Disclosure provided herein, before we will allow withdrawal against temporary credits. All connected bank accounts will be visible when you log into your account through the website or mobile app. You shall similarly exercise good faith and reasonable care in observing and maintaining security procedures, in communicating Funds Transfer Requests to us, and in reviewing periodic bank statements for any discrepancies. (Note: If the customer desires next-day availability of funds from these checks, you may require use of a special deposit slip.) All returned foreign checks will be charged back to your account at the rate used when initially credited and may be subject to a return fee and foreign bank charge (if applicable). Open a new 360 Performance Savings account by June 10, 2020, using promo code SCORE500. The Capital One phone number is the only currently available option for checking status. Capital One Offers New 360 Checking Account Holders: $400 Bonus when you Open a 360 Checking Account by January 26, 2021, apply promo code BONUS400 and Receive 2 Direct Deposits totaling $1,000 or more within 60 days of account opening. If the amount of the overdraft causes you to exceed the amount of credit available on the overdraft protection line of credit or balance in the overdraft protection deposit account linked to the overdrawn deposit account, you agree to pay the amount by which the deposit account has been overdrawn plus all associated fees and charges as reflected in our then current Schedule of Fees and Charges and the applicable line of credit agreement. For example, we may close your account with no notice of action if the account has a zero balance. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. We must be notified within sixty (60) days after the first statement we mailed to you on which the suspected problem appeared. Funds from all other check deposits will be available no later than the fifth business day after the day of your deposit. The front of a substitute check states: “This is a legal copy of your check. Thanks karthik_r Inconsistency of Name and Account Number: You acknowledge and agree that when you (or your Authorized Representative), provide us with a name and account number in order for us to process a Funds Transfer, payment may be made by the beneficiary's/designated recipient's bank solely on the basis of the account number, even if the account number identifies a person different from the beneficiary so named. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. Likewise, we have a right to reject any Funds Transfer Request(s) for an outgoing Funds Transfer for reasons including, but not limited to, insufficient or uncollected funds in the account specified in the Funds Transfer Request, a request that fails the security procedures outlined in Section 4, our inability to execute the Funds Transfer for the reasons set out in the Section of this Agreement entitled Method Used to Make the Funds Transfer above, or if we are unable to verify the authenticity of the Funds Transfer Request. Accordingly, the process may take longer, depending on the foreign bank. Liability of the Customer: Except as otherwise provided by law, you shall be liable for any loss or damage to which your negligence contributed or which resulted in unauthorized, fraudulent or dishonest acts by your current and/or former Authorized Representatives. If you are a new customer, the following special rules will apply during the first thirty (30) days your account is open: Funds from wire transfers and electronic deposits (such as ACH credit transfer direct deposits) will be available on the day we receive the deposit. Death of a Party: You agree to notify us of the death of any joint owner and to reimburse us for any tax we must pay by reason of our payment or release of funds in the account to you. Federal law requires that you provide us with your Social Security Number or your Employer Identification Number before opening any account. A Funds Transfer Request received after the cut-off time may be executed on the next business day, again provided we are able to validate your request that next business day as described in Section 4. However, you have rights under other law with respect to those transactions. If you provide your ATM card or ATM/Debit card and personal access code to a third party, you have authorized the third party to withdraw funds from your account at a teller window, ATM machine or point of sale terminal. 7933 Preston Rd. Liability for Unauthorized Transfers on Consumer Accounts Only: A. We may treat each co-owner of a joint account as having full and complete authority to make deposits into such account, to request information with respect to such account and to place a hold on such account. Right to stop payment: If you have authorized regular payments out of your account, you can stop any of these payments. Legal Process Against Account. If the expected fee is large, you may be asked to pay the fee in advance. How to Make a Funds Transfer: You may request or authorize a Funds Transfer (“Funds Transfer Request”) either in person, through our Telephone Wire Request Service, or strictly for an outbound international wire from a business account, by email. If the item upon which you have stopped payment has already been paid, we will refund the stop payment fee at your request. Withdrawals made at ATMs owned and operated by other entities will be automatically deducted from your designated primary checking or savings account. Capital One Bank is used as a trade name for Capital One, N.A. Other intervening transactions that occur while authorized debit card transactions are pending may create overdrafts on your account. Sometimes the preauthorization requests may be in amounts different from the total amount of the transaction. Your account balance does not include pending debits and deposits that have not posted to your account. Deposits made through our night drop after 7:00 a.m. may be processed on the next business day. Accounts That May Be Accessed: The accounts you link to your ATM/Debit Card are referred to in this Agreement as "designated accounts." The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure. Facebook Notices from you will generally be effective when received at the appropriate address specified in this Agreement, but notices under Section 14 ("Liability for Unauthorized Transfers on Consumer Accounts Only") will be effective once you have done whatever is reasonably necessary to give us the information we need. Sometimes legal, regulatory, or governmental authorities require additional information, either in respect of individuals, entities, or particular transactions. Your account is considered a new account if it has been open for thirty (30) calendar days or less. Adverse Claims. Funds in excess of $5,525 will be available no later than the fifth business day after the banking day of your deposit. Plus, we take extra steps to make sure you get the latest updates. Our decision to pay an item into overdraft is solely within our discretion. Please ask a Relationship Banker if you are unsure about when funds from a deposit will be available. If you make a claim, or if we suspect that your account may be compromised, we may recommend that you close the account. Waiver of Rights. Funds deposited after the above stated times will be credited on that business day or the next business day. Telephone transactions using the IVR System may require a combination of: 1) the entry of your social security number 2) the entry of the last four digits of your account number 3) the entry of your debit card number 4) the entry of your debit card pin or 5) automated phone number verification/matching to transfer funds between checking, savings and money market accounts bearing your name and linked to your social security number. Under certain circumstances, current transaction information may not be available, and the item upon which a stop payment has been requested may already have been paid. We will provide you with monthly or periodic statements for certain accounts. You deposit checks totaling more than $5,525 on any day to any account(s) you maintain (alone or with others) at Capital One Bank. Deposit Errors. Checks will be deposited the same day when submitted through HSBC Mobile Check Deposit before 10 p.m. Eastern time on a business day: BB&T: Mobile check deposits are generally available the next business day; those submitted on weekends, bank holidays or after 8 p.m. Eastern time on weekdays will be processed the following business day: Capital One You agree that we may contact you at any telephone number (including a mobile telephone number that you provide us), and use an automated telephone dialing system or similar device to do so. In addition, we will not be liable if the merchant or other third party initiating the transaction changes the dollar amount of the transaction or makes other changes so that we do not recognize it as the payment you stopped. You may also use your ATM/Debit Card to complete transactions at non-Capital One Bank ATMs that are members of the EFT networks in which we participate. Deposits: You can use your ATM/Debit Card and PIN at Capital One Bank-branded ATMs to make deposits into your designated accounts. Available credit on an overdraft protection line of credit associated with the designated account may be used to fund ATM/Debit Card transactions when you do not have sufficient collected funds in your designated account(s). Learn more about Privacy and Security. You have exercised reasonable care in safeguarding your card from any unauthorized use. This fee waiver is based on your total overdraft balance and not the amount of the transactions. If an error is discovered in the amount of your deposit, we will adjust your account and notify you of the correction. We will periodically reevaluate the usage and handling of your account based on your customer history with Capital One Bank. Please read the Deposit Availability Disclosure section of these Rules for more information on when we make funds available to you. If you want someone other than an authorized signer on your account to transact business on your account, you must provide us with a form reasonably acceptable to us which identifies the person to whom you grant your power of attorney and each account for which you wish the agent to exercise the power of attorney. ATM Deposit If you live near a Capital One Café or Capital One Bank location, you can make a check deposit at the ATM at that location. You further agree that we shall not be deemed to have failed to exercise ordinary care in paying an item solely because our procedures do not require us to perform a sight examination of items with a face amount below a threshold level established by us from time to time. We may disclose any information given to us that we in our sole discretion think necessary or desirable to disclose; except we will only disclose confidential information if required by law, a court, or legal, regulatory, or governmental authority, or as permitted by law in order to combat, prevent, or investigate issues arising under anti-money laundering laws, economic sanctions, or criminal law. A copy of our Online Privacy Policy and our U.S. Consumer Policy Notice is available on our Website. If we decide that there was no error, we will send you a written explanation. Snap a picture of your check (front & back) Show it a little love with good lighting, a dark background, and a view of all 4 corners. We are not required to enforce multiple signature requirements that you may have agreed upon among yourselves. Select the Deposit icon. On Wednesday, the merchant requests payment for the $80.00 transaction authorized on Monday, and you’re charged a fee because the balance in your account is insufficient to pay the transaction at that time. Conversion rate: For international Funds Transfers involving non-U.S. currencies, the exchange rates we use for your transactions are not necessarily the bank-to-bank negotiated exchange rate or other potentially more favorable rate. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. Notices: All notices from us will be effective when we have e-mailed them, mailed them or delivered them to the last address that we have for you in our records. If we incur any expenses, including without limitation, reasonable attorney fees, in responding to an attachment, garnishment, levy, or seizure that are not otherwise reimbursed, we may charge such expenses to your account without prior notice to you. We may also suspend your ATM/Debit Card if we consider your designated account to be inactive or dormant. Interest compounded monthly. These transfers will not appear on your monthly statement and will not be subject to any fees. Change in Authorized Representative: Any changes in the authority of persons authorized to make a Funds Transfer on your behalf shall not be binding upon us until we have received written notice from you. We also consider the type of overdraft service you have on your account. To secure payment of any monies that you may owe us or any of our affiliates, for any reason, you grant us a continuing security interest in all funds that you may now and in the future maintain on deposit with us, with the exception of funds held in a trust or fiduciary account, or in an Individual Retirement Account, or in other qualified tax-deferred accounts. When deciding to pay debit transactions that cause an overdraft, we consider a variety of factors, including the size of the transaction, whether your account is in good standing and/or your history with us, including whether you’ve previously had too many overdrafts on your account(s). Here is an example of how that could happen: You’re enrolled in our optional overdraft service. D. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the above time periods. Consult your attorney or investment advisor regarding the potential risks associated with foreign exchange transactions. If more than one person signs your request for electronic banking services, notice to or from one of the people who signed the request will be effective for everybody who signed. See the Mobile Deposit Terms and Conditions for complete details. You may also be charged a fee by us, as disclosed in our then current Schedule of Fees and Charges, for each cash withdrawal, funds transfer, or balance inquiry that you may make using a non-Capital One Bank branded ATM. Verifying Pre-Authorized Deposits: You can verify whether a direct deposit has been processed to your account by calling us at 1-800-655-2265. You may withdraw all or part of the account balance, close the account, remove or add POD beneficiaries or change the account type or ownership. Merchandise purchased using your ATM/Debit Card that is subsequently returned will be reflected as a credit on your designated account statement, provided you elect to have the return credited to your designated account. FDIC deposit insurance does not insure against any loss due to foreign currency fluctuations. You further agree that if we elect to pay overdraft items, you must deposit additional funds into your designated account immediately in an amount sufficient to cover the overdraft and to pay us overdraft fees for each overdraft item in accordance with our then current Schedule of Fees and Charges. We may decline to open an account for any reason, or for no reason. Governing Law: All actions arising out of or concerning the Funds Transfer Service or these terms and conditions shall be heard by a judge sitting without a jury. Purchases may also be made using your ATM/Debit Card at merchant locations that are members of the POS networks in which we participate. You understand that unless we have complete and accurate information from you, we may be unable to identify the check for which a stop payment has been requested which will result in the check being paid. 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