External account
You can link your eligible checking or savings account to an account you have at another bank. Doing so lets you easily transfer funds between your accounts.
Learn how to link an external account online.
Mobile deposit
Deposit a check from anywhere in the U.S. and U.S. territories with Mobile Deposit. Follow these steps on our mobile app to snap a picture of your check:
Go to the Capital One Mobile app and select your account.
Click on “deposit” next to the camera icon.
Take photos of the front and back of your check (please write "for Capital One mobile deposit" and sign your name on the back of the check prior to taking your picture).
Follow the prompts to fill out the deposit amount and, if you’d like, a memo.
Slide your finger across the green button to complete your deposit.
Be sure to keep your check in a safe location until you see the full deposit amount listed in your account’s past/recent transactions. Once you do, make sure to destroy the check immediately by shredding it or using another secure method.
ATM deposit
If you live near a Capital One Café or Capital One bank location, you can make a check or cash deposit at an ATM at that location. Find nearby locations.
Direct deposit
You can set up direct deposit by giving your Capital One account number and routing number to your employer. You can find that information either:
In the app: Sign in and select your bank account. Scroll down to “Account Info” and select “Show more.”
By form: Print out our blank direct deposit form, fill in your information and give it to your employer.
Make a transfer
Visit our transfers page to learn more about making a transfer.
For more information about how long it takes for money to move in and out of your account, please visit the funds availability page.
Instead of visiting an ATM or branch, use Add Cash in Store
Add cash to your eligible checking account at any CVS®, Walgreens® or Duane Reade by Walgreens® location in the U.S.
- Visit any participating Walgreens® or CVS®. Note that this is not available at any CVS Pharmacy® at Target stores.
- In your Capital One app, choose which eligible checking account you'd like to add cash to and enter the amount. For each account, the monthly limit for adding cash in store is $4995 or no more than 5 transactions per month. The daily limit is $999.
- Generate your barcode. For your security, each barcode can only be used once, and it will expire after 30 minutes.
- Tell the Walgreens® or CVS® cashier you'd like to add cash to your Capital One account, and then show them the barcode.
- Give your cash to the cashier and they'll give you a receipt. Please keep your receipt.
This money will typically be available right away for you to use. You’ll receive an email confirmation when the transaction is finished. You will also see it in your list of recent transactions within one business day.
Are there any fees associated with deposits?
No, you never pay a fee when you make a deposit into your Capital One consumer checking or savings account.
Is there a limit on how much money I can deposit into my account?
There are deposit limits, and they depend on the deposit method. Check out your account’s disclosures for more details.
For mobile deposits, the Capital One Mobile app will show your max deposit amount. If you need to deposit an amount that's more than your limit, visit a branch or Capital One ATM.
When will I have access to my deposited money?
Availability depends on the account you’re depositing into and the deposit method.
Generally available immediately:
- Electronic deposits that are automatically initiated outside the bank—like Direct Deposit or Social Security benefits
- Cash deposited at a Capital One ATM, including ATMs at Capital One Cafés and branches
- Cash added via Add Cash in Store
- Transfers between Capital One 360 and Capital One Bank accounts
Generally available the same business day:
- Cash deposits made at a Capital One branch
- Incoming domestic wire transfers, if it’s received by 5 p.m. ET on a business day
Generally available the next business day:
- Mobile check deposits
- Check deposits made at a Capital One branch
- Most deposits into Essential Checking, 360 Checking, Total Control Checking and MONEY Teen accounts
Subject to a 4 business day hold before you can withdraw that money:
- Most deposits into 360 Performance Savings, 360 Savings, 360 Money Market, Essential Savings, Confidence Savings and Kids Savings Accounts
Are deposits FDIC-insured?
Capital One, N.A. is an FDIC member. Our FDIC certificate numbers are 33954 and 4297. All deposits at this Capital One banking institution are FDIC-insured to at least $250,000 per depositor, per ownership category.