1. Sign in.
2. Navigate to Account & Feature Settings.
- From mobile: Tap Profile Menu in the lower righthand corner of the screen.
- From web: Go to the Menu
- Select Account & Feature Settings.
3. View external accounts.
- From mobile: Select Manage My External Accounts.
- From web: Navigate to external accounts
4. Tap on Add an External Account.
5. Select how you’d like to use your new external account:
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Choose Payments and Transfers to use the account for credit card and loan payments or transfers from other banks.
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Choose Payments if you plan to only use the account to make credit card or loan payments.
When adding an account for Payments and Transfers, we may ask you to provide additional verification for your security for your security.
6. Complete the following fields:
- Choose Account Type
- Bank Routing or ABA Number
- Account Number
- Verify Account Number
7. Check the box for Make Primary Payment Account if you’d like this to be your primary external account
8. Tap on Add Account.
You will receive a message confirming that you successfully added an external account. This message will let you know if you need to verify the account with test deposits.
If test deposits are needed to verify the account, you should check your external account to verify the two small amounts we deposited. Your test deposits will be available either immediately or up to 3 business days after linking your external account.
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Refer to Verify an External Account for steps on how to verify your external account after linking.
How many accounts can I link?
You may have up to 3 external accounts linked. You can not link a new external account if you currently have an unconfirmed link. That link must be confirmed or deleted before proceeding with the new link.
Can I link someone else’s account?
Customers can only add external bank accounts that they own. These external bank accounts must be a personal checking, savings or money market account with the name of the account holder matching the Capital One account.
Can I link a business account?
You may not link an external business account to your personal Capital One account. If you are linking to a personal account, the external bank account must also be a personal checking, savings or money market account with the name of the account holder matching the Capital One account.
Can I link a Capital One account?
Customers can only link external bank accounts, which are bank accounts at other financial institutions. To transfer money between your Capital One accounts, use the internal transfers feature. To transfer money to another Capital One bank account owner, you may use a different service, such as Zelle®.