Obtaining credit reports: We may request a consumer (credit) report in connection with your account(s). Your 360 Performance Savings account won't be considered "opened" until you complete our verification procedures. How to open an account: You must tell us to either electronically transfer money from your Linked Account or give us a personal check drawn on your Linked Account. Individual Taxpayer Identification Numbers (ITINs) are acceptable for account opening in Branches and Capital One Cafés and your Linked Account must be with a bank chartered in the U.S. In order to open an account, you must be at least 18 years old with a valid Social Security Number, and with a U.S.-based mobile phone number. physical address located in one of the 50 United States or Washington, D.C., or with military addresses (APO or FPO). Who can open an account: You must be a United States citizen or lawful permanent resident with a U.S. accounts, and between your Linked Accounts and your Savings account. You can use our automated phone system, our sales and service call center, or … the easiest thing to do is use our website - transfer money between your eligible Capital One, N.A. chartered bank ("Linked Account") - that's the way you make deposits to and withdrawals from your account with us. You "link" your Savings account to your personal (non-business) checking account at another U.S. ![]() You can open an account in your name alone or in your name and the name of one other person. The basics: Here's a quick overview of how your account works. We may limit, refuse or return all or any part of a deposit without prior notice to you.Īccount limits - We reserve the right to limit the number of accounts you may open at our discretion and without advanced notice. Based on confidential fraud and essential risk criteria, they may be modified at our discretion without advance notice. These limits are designed to be flexible in order to protect the security and integrity of the service and accounts, as well as you and all other users of the service. Transaction limitations - Automated Clearing House (ACH) External Transfer transactions are subject to limits on the dollar amount of electronic transfers between your account and external accounts at other financial institutions. A Cashier's check purchased at a Capital One location is $10.00.If you present us with a foreign check, we will not charge a fee, but the paying bank may deduct a fee from the proceeds.If we agree to process an outgoing domestic wire transfer for you, the cost per wire will be $30.00.(Here's an example - if you make a non-cash deposit on a Sunday, we will process it on Monday, and interest will begin to accrue no later than Tuesday.)įees - The following fees may be charged to your account: For cash deposits, interest will begin to accrue the same day on which the funds were deposited. This method applies a daily periodic rate to the principal in the account each day.Īccrual of interest on deposits - For all types of non-cash deposits, interest will begin to accrue no later than the next business day following the banking day on which the funds were deposited. ![]() ![]() The interest rates and annual percentage yields are variable and may change at any time at our discretion.Ĭompounding and crediting - Interest on your account will be compounded and credited on a monthly basis.Įffect of closing an account - You will receive the accrued interest if you close your account before interest is credited.īalance computation method - We use the daily balance method to calculate the interest on your account. Rate information - The Interest Rate on your account is NaN% with an Annual Percentage Yield of NaN. ![]() Minimum balance to obtain Annual Percentage Yield (APY) - There is no minimum balance required to obtain the disclosed APY.
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