cancel capital one debit card

This is not peculiar to Capital One, but any Credit/Debit Card issuer including general clearing They may not just suspend the card but cancel it. Yes, you can cancel a Capital One account online. Capital One members are How do I remove restrictions from my Capital One debit card? Contact by Phone. Customer service: 1-800-655-BANK (2265). Checking, Savings, CD & IRA accounts and to report a lost or stolen ATM/Debit Card.

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Are you trying to use your Capital One credit card only to find out that it is restricted? This can be a frustrating experience especially if you’re trying to make an important purchase or paying a bill that’s already due.

You’re probably reading this because you can’t find any answers on why your Capital One account is currently restricted. Did you do something wrong? Or is it the fault of the bank? Is lifting your restricted Capital One account possible?

If you want to know more about why your credit card account is restricted, read on.  A lot of people end up having their accounts restricted due to a variety of reasons.

This article will explain the possible reasons why your Capital One account is restricted and how to get it unrestricted as soon as possible. We will also discuss some tips that you should follow so that your account does not become restricted again in the future.

1. You’ve gone over the maximum credit limit of your Capital One account

When you open a credit card with any bank, you will be given a maximum credit limit. This means that you can only spend up to the amount allowed by the bank.

Many banks, however, will let you spend a certain amount over the limit and only charge you a fee whenever this happens. However, when you exceed your limit multiple times, this could be a reason for your account to be restricted.

If your Capital One credit card is currently restricted, one reason could be that you’ve spent over the limit. You can check your credit card activity if you have access to online banking or call customer service.

You can scroll down towards the end of the article where we will place links on how to contact Capital One so you can restore your account.

2. You have late payments on your Capital One account

If you have been delinquent with your credit card payments, this is another reason why your account may be restricted. Have you paid your last credit card bill? How long ago did you last pay your credit card?

Maybe you missed paying your bill because it slipped your mind or you forgot that the bill was due. It’s also possible that difficult financial times made you unable to pay the minimum payment.

Whatever that reason is, Capital One could restrict your account because of unpaid bills. If you have missed paying for several months, your credit card may also be charged off.

This means it was closed,  turned over to the collections department, and you may need to pay the entire amount and close it off.

3. You’re using your card in stores or places where you’ve never used it before

Another reason why your Capital One account may be restricted is if you are using the credit card to purchase from a store or platform that you’ve never purchased from before. New shopping activity could cause the system to recognize the transaction as a suspicious or fraudulent activity.

For example, you are in a different country and you’re trying to use your Capital One credit card for purchases. If you have never used your card in that establishment before, Capital One may restrict your account to protect your card.

This could also happen if you are using your card on an online payment platform that you have not used before.

4. Capital One suspects fraudulent activity on your account

What if you’re not using your credit card on a new payment platform or store, yet your credit card is still restricted? What could have been the reason? Another possible reason that Capital One restricted your account because it detected suspicious activity on your account.

Some examples include multiple or consecutive purchases on a single establishment, unusually large purchases, and multiple changes to your Capital One account. Capital One might see these as red flags and may restrict your account to prevent unauthorized purchases.

5. Capital One is experiencing a system error

Maybe you’re a diligent payer when it comes to your credit card bills, you’re 100% sure that you’re not over your maximum credit limit, and you’re not using your card on any suspicious or new platform –so why is your card still restricted. Believe it or not, it might not even be your fault.

System error is another possible reason why your Capital One account is restricted. Capital One could be experiencing problems or issues on their system and that may be a reason why you can’t use your card.

What to do if your Capital One account is restricted?

Now that we’ve ticked off the different possible reasons why your account may have been restricted, the next step is to take action. You might be wondering: Will Capital One reopen a restricted account?

The answer is yes, it is possible for a restricted account to be opened again. When an account is restricted, it means that it is suspended and if you take the necessary actions, then you can have it opened again.

So what do you need to do if you find out that your account is restricted?

The easiest and simplest way is to immediately contact Capital One’s customer service department. You have to confirm with the bank the reason why your account was restricted.

Even if you may have a suspicion on what the reason is, it is best to contact the bank to know the specific actions that you need to take.

Here’s a step-by-step guide to help you navigate through this process.

Step 1: Prepare important account details before contacting Capital One

Before you contact Capital One, prepare your account details that may be required during the call.

Examples of details that you may need to prepare are your account number, your PIN or password (if you’re required to log into your online account), the date of your last purchase, and the amount of your last purchase. Usually, these things are asked by the agent or by the voice prompt to verify your identity.

Step 2: Contact Capital One by phone

Calling the Capital One customer service department is usually the quickest way to resolve an issue. Below are the current contact numbers from their website:

Capital One Credit Card Support

  • Capital One Customer Service
    1-800-CAPITAL (1-800-227-4825) (For servicing of existing accounts only)
  • Outside The US, Call Collect
  • Online Banking Support
  • Fraud Protection
    1-800-427-9428 or 1-800-239-7054
  • International Collect Calls To Report A Lost Or Stolen Card
  • Capital One General Customer Service Phone Support

Step 3: Explain to the customer service agent your concern

Once you have been connected to a customer service agent, you have to explain your concern. Tell the agent that you have tried using the credit card but it was restricted.

This is the opportunity for you to check with the agent the reason why your account is restricted.

At this point, the agent may ask you questions about your account and account activity to get to the bottom of the issue. The agent may need to take time to check the system and your account activity to find out the answer.

The agent will either give you one of the reasons listed above or another reason entirely that is relevant to your unique situation.

Step 4: Confirm with the agent the actions you need to take to remove the restriction on your account

Once you determine the reason why your account is restricted, confirm with the agent what you need to do to remove the restriction.

For example, if the restriction was due to late payments, ask the agent whether paying the minimum payment will remove the restriction. Or if it was due to a system error, ask the agent whether you need to do anything from your end to fix the issue.

Don’t forget to ask the agent about the time frame on when your account will be fixed.

How to avoid having your Capital One account restricted

Getting a restricted credit card account can add a lot of stress and anxiety to your financial life and perhaps cause you great embarrassment if you were on a date, for example. To avoid having your card restricted again, you can follow these recommendations below.

1. Keep track of your account online

Having access to your account through online banking makes it easier for you to track your account activity. This way, you can easily see if there are unusual activities in your account that may have caused the restriction.

This will also help you see whether you’re already spending over the limit or if you have late payments. Indeed regular proactive checks to ensure there is no fraud on your account is a habit worth cultivating in this day and age of cybercrime.

2. Don’t spend over the limit

Spending over the limit can be unavoidable sometimes, but doing so can cause more problems including having your account restricted. If you have a habit of maxing out your credit card limit, try to constantly monitor your usage to avoid going over.

3. Pay the minimum amount on or before the due date

If you are always missing your payment due date, one way to prevent this from happening is by downloading a personal finance app like Mint to notify you when your credit card bills are due.

4. Inform the bank before making an unusually large purchase or traveling to another country

If you are planning to make a purchase that costs higher than what you normally use your card for or you’re planning to use it in another country, it may be a good idea to call your bank beforehand to inform them. This way they can take note that the purchase is an authorized purchase and you can prevent your account from being restricted.

Wrapping It Up

Finding out that your Capital One account is currently restricted should not be a cause for panic. There are various reasons why your credit card account was restricted and it might not even be your fault.

The best way to solve the issue is to follow our guide on how to contact customer service so you can clarify and lift the restriction of your Capital One account.


Brian Laundrie arrest warrant issued by FBI claiming ‘he used unauthorized debit cards after Gabby Petito’s death’

A FEDERAL arrest warrant was issued for Gabby Petito’s fiancé, Brian Laundrie, according to an indictment filed on Thursday by the Denver Field Office of the FBI.

Laundrie, 23, stands accused of swiping a Capital One debit card and running up a $1,000 balance from August 31 through September 1, according to the indictment and comes on the same day that a law firm offered $20,000 reward to a tipster who helps find the missing fiancé.

Brian Laundrie, 23, stands accused of swiping a Capital One debit card and running up a $1,000 balance from August 31 through Sept. 1, according to the indictment


Petito was killed around two months into her four-month road trip with Laundrie


Authorities in Florida confirmed that they are halting Thursday's search, but plan to resume their manhunt for Laundrie in the Carlton Reserve on Friday


Authorities have been scouring the 25,000-acre Carlton Reserve in Florida for any signs of Laundrie


The purchases appear to violate a federal statute (use of unauthorized access devices), and he has been indicted by a federal grand jury.

The news release from the FBI says Laundrie’s spending activities happened following Gabby’s death that was officially determined to be a homicide.

"While this warrant allows law enforcement to arrest Mr. Laundrie, the FBI and our partners across the country continue to investigate the facts and circumstances of Ms. Petito's homicide," FBI Denver Special Agent in Charge Michael Schneider stated in a release accompanying the indictment.

"We urge individuals with knowledge of Mr. Laundrie's role in this matter or his current whereabouts to contact the FBI No piece of information is too small or inconsequential to support our efforts in this investigation."

Laundrie's attorney responded to the indictment and stressed that it's not directly related to Petito's "actual demise" but for focusing on activities that occurred after she died.

"It is my understanding that the arrest warrant for Brian Laundrie is related to activities occurring after the death of Gabby Petito and not related to her actual demise,’ Steve Bertolino told the Daily Mail.

"The FBI is focusing on locating Brian and when that occurs the specifics of the charges covered under the indictment will be addressed in the proper forum."

The news of the arrest warrant for the 23-year-old Laundrie comes as authorities in Florida confirmed that they plan to resume their manhunt for Laundrie in the Carlton Reserve.

"The ground search in the Carlton has been halted for the day," according to a tweet by North Port Police.

"Nothing found.

"We will be back at it Friday."

On Thursday, a law firm in Florida said it was offering up to $20,000 to the first person who provides information that leads directly to tracking down Laundrie.

The Boohoff Law firm posted on its site that it was offering the sum "for information leading directly to the exact whereabouts of missing person Brian Laundrie, a person of interest in the case of 22-year-old Gabrielle “Gabby” Petito."

It added: "A reward will be paid once the investigating law enforcement agency supplies Boohoff Law written verification that a tip helped lead to locating Brian Laundrie."  

Also, CNN's Chris Cuomo reported on his show Thursday night that he had spoken with a source close to Brian Laundrie's family and claims that when he left his parents' Florida home last Tuesday he did so without his cell phone and wallet.

The same source told the anchor that Laundrie's parents worried that their son might do harm to himself.

The young man hasn’t been heard from or seen since last Tuesday, according to his family, who claims he left home to go hiking in Carlton Reserve, near Venice, Florida but never returned.

Gabby’s last text from her phone was released by the FBI and uses the word "Stan" which internet sleuths claim is a codeword for “danger”.

In the August 27 text to her parents, the vlogger wrote: "Can you help Stan, I just keep getting his voicemails and missed calls."

The Teton County Coroner D. Brent Blue said initial findings were that Petito died as a result of homicide but the cause is still pending final autopsy results.

He returned home to Florida alone in the couple's van on September 1, around two months into the couple's planned four-month cross-country road trip.

Laundrie immediately retained an attorney and refused to cooperate with the police.

Gabby's mother said she pleaded with Laundrie for answers about where her daughter was but received no reply. She then reported Gabby missing to the police on September 11.

Three days later, on September 14, Laundrie vanished from his parent's home after telling them he was going hiking in the 24,000-acre Carlton Reserve.

Laundrie's parents told police they only grew concerned between 24 to 48 hours after their son failed to return from the hike.

They claim they drove up to the 25,000-acre park, spotted Laundrie's car, and drove it home after allegedly finding a note on the windshield left by police asking for it to be removed from the area.

Brian's parents didn't report him missing until September 17.

Since then, officers have deployed drones and boats as well as ATVs to pinpoint the swampy terrain for any sign of Laundrie, but so far have not been able to track him down.

Officials search the waters for Brian Laundrie in Carlton Reserve

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Capital One offers some of the highest interest rates of any savings products we review. Plus, you can count on keeping those returns since the bank doesn’t charge account maintenance fees.

With full-service branches in eight states plus Washington, D.C., Capital One offers a physical presence, as well as strong online tools and app experience. The company has recently introduced Capital One Cafes in big cities in eight states across the country, adding another opportunity for face-to-face interactions.

In addition to its Capital One 360 Performance Savings Account, Capital One offers nine certificate of deposit (CD) accounts, among other offerings.

If you’re looking for a place to park your money that earns decent interest but also makes it fairly accessible in case you need cash for an emergency or a down payment, it’s worth considering the many savings options Capital One provides.

We’ve got details on those products below.

Read on below to explore Capital One's many offerings.

ProductKey Details
Capital One 360 Performance Savings Account
  • Competitive interest rates

  • Automatic Savings Plan allows you to put your savings on autopilot

  • Interest compounded monthly

  • No minimum balance or deposit requirement

Capital One 360 CD®
  • Rates dependent on the term of your CD

  • Terms varying from six months to five years

  • Guaranteed rates and returns

  • Interest compounded monthly

  • 10-day rate lock guarantee if you fund your CD within 10 days

Capital One 360 Checking Account®
  • Interest-earning accounts
  • MasterCard® debit card

  • Mobile check deposit

  • No minimum deposits or balances required

  • Interest compounded monthly

Capital One 360 IRA®
  • Open an IRA through Capital One Investing or Capital One 360

  • Available as Roth or traditional IRAs

  • Available as individual or joint account

  • No account fees or minimums

  • To open a 360 IRA, you must already have another kind of 360 account

Capital One Interest Rate Comparison

Capital One Bank Overview

Capital One is one of the most recognizable banking brands not only in the U.S., but in Canada and the U.K., as well. Starting as a small business founded in 1988, the company has grown to a Fortune 500 company offering a range of banking, investing and credit options and more. It also offers a number of personal finance education services and materials.

The company promises a convenient and valuable experience for the customer it serves. With its wide variety of financial offerings, it can certainly be convenient for you if you’re looking to keep all your accounts in one place. For example, you can open a Capital One credit card and a Capital One IRA, gaining the ease of working with only one institution. Plus, you can easily manage any and all accounts by going online, calling or visiting one of their many physical branches.

Save more with these rates that beat the National Average

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Capital One Bank Account Features

In addition to its other financial offerings, Capital One offers a few different kinds of savings accounts. These include a traditional savings account and various CD accounts. The company offers some of the best APYs connected to each savings account. Plus, you can avoid account maintenance fees when you open one of these savings accounts.

Capital One provides FDIC (Federal Deposit Insurance Corporation) protection on your deposits up to the legal amount. Most savings account types do offer a few options in terms of what kind of account you want to open. This means you can open an account either as an individual account, a joint account, a joint account with a minor or a living trust account.

Compare Capital One to Other Competitive Offers

Capital One 360 Online Savings Accounts

Minimum DepositNone
Access to Your Savings Account Online or mobile, you can also call Capital One customer service any day of the week between the hours of 8 a.m. and 11 p.m. ET
SecurityFDIC insurance up to the maximum amount allowed by law, secured website and files.
FeesFees may be charged for an outgoing domestic wire and a copy of a statement within the last two years.
Current Terms and Rates0.30% APY for Kids Savings Account and 0.40% APY for 360 Performance Savings Account.

When it comes to your basic savings accounts, Capital One offers the 360 Performance Savings Account and the Kids Savings Account. The 360 Performance Savings Account offers a 0.40% APY with interest compounded monthly. There is no minimum amount that you have to deposit initially, nor is there a minimum amount you have to maintain within the account. Your money will earn interest regardless of how much money is inside.

There are a couple of fees that you could see with a 360 Performance Savings Account. Completing an outgoing domestic wire transfer will cost you, as will a copy of a statement generated within the last two years. You may also see a penalty for exceeding the maximum amount of outgoing transactions. You are limited to six outgoing transactions by federal law.

To make a deposit into your 360 Performance Savings Account, you have a few options. You may deposit funds over the phone, online, mailing a check, an electronic funds transfer or a domestic wire transfer. You can also deposit cash. The length of time between your deposit and its availability will vary depending on the type of deposit, but you can usually expect the funds after four days. 

Withdrawing money from your 360 Performance Savings Account is as simple as calling customer service or going online. You cannot withdraw more than what’s in your account at the time. You will also have to keep track of your withdrawals as you are limited to six outgoing transactions per statement cycle. Going over that limit will end up in a penalty fee. If you're ever unsure how many transactions you've made, you can easily head to your online account and manage your account(s) on its account page (like shown above). 

The Capital One Kids Savings Account allows you to deposit money into an account for your child to teach them about saving and investing. This account also comes with no maintenance fees or balance/deposit minimums, which can help show your child that savings doesn’t have to be costly. The only fee listed in the account disclosure is for a copy of your statement. The Kids Savings Account has a 0.30% APY, so your child’s savings can be nicely padded, like yours. The processes of depositing and withdrawing money are the same as the 360 Performance Savings Account.

Both accounts also offer access to Capital One’s Automatic Savings Plan. This program allows you to set your savings accounts settings and then revert to autopilot. Your accounts will do all the growing and all the work. This is an ideal program especially for the Kids Savings Account, so you and your child can watch the funds grow without much stress. With the ease of a website and a mobile app, you can change your settings at any time. In terms of security, both accounts are also FDIC-insured up to the legal amount.

You have a few different options when it comes to savings account ownership. With either account, you can open it as an individual account, a joint account or as a living trust account. There are further rules and regulations surrounding opening a joint account and a living trust account. You should make sure you read your agreement papers to know exactly what’s entailed. In the case of the Kids Savings Account, you may open it as a joint account with a minor. This means one minor and one adult both own the savings account.

Capital One 360 CD (Certificates of Deposit)

Feature Details 
Minimum DepositNone
Access to Your CDOnline, mobile and via phone. You may also send checks in the mail. Plus, renewal is automatic at maturity date.
SecurityFDIC insurance up to the maximum amount allowed by law.
FeesA fee of $5 will be charged for a copy of a statement generated within the last two years. Penalties will apply should you withdraw from your CD before its maturity date.
Current Terms and Rates
  • 6 Month: 0.10% APY

  • 9 Month:  0.10% APY

  • 12 Month: 0.20% APY

  • 18 Month: 0.25% APY

  • 24 Month: 0.70% APY

  • 30 Month: 0.70% APY

  • 36 Month: 0.75% APY

  • 48 Month: 0.80% APY

  • 60 Month: 1.00% APY

A certificate of deposit (CD) is another kind of savings account, but a less flexible one. Once you make your initial deposit into the account, you cannot touch it without penalty until its maturity date. There are usually a number of varying term lengths, though, from a couple of months to a few years. That way you can find a CD depending on whether you need a more immediate return or a more long-term return. As an extra perk, Capital One allows you to add beneficiaries to your CDs, which you can easily do through your online account. 

Capital One 360 CDs come in varying term lengths between six months and five years. The exact APY will depend on the term length, but generally the longer the term, the higher the APY. Regardless of your starting APY, Capital One guarantees that rate for the length of your CD term. You also get to choose whether you want your interest to be paid out at the end of the full term, monthly or annually.

To make your CD deposit, you have a few options. You can transfer money from another bank account, use Capital One’s automated phone system, call a customer service representative or go online.  Again, your deposit is FDIC-insured up to the legal limits. You will also have the option of opening a CD as either an individual, joint, joint with minor or living trust account.

When it is time to withdraw funds from your CD, you usually will get a grace period of about 10 days to do so. If you don’t take any action, Capital One will automatically renew your CD for the same length of time. Should you withdraw before your CD’s maturity date, you will face penalties. For CDs with a term of 12 months or shorter, the penalty is three months’ interest. For CDs with a term longer than 12 months, the penalty is six months’ interest.

CDs can be a valuable part of any investment portfolio. If you have questions about how to build a robust savings profile that includes accounts like the ones at Capital One, SmartAsset’s free tool can match you with top financial advisors in your area. All you need to do is answer a short questionnaire that gives some insight into your financial needs. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.

Capital One 360 Checking® and MONEY Accounts

Minimum DepositNone
Access to Your 360 Checking AccountEasy access online and with your Capital One mobile app.
SecurityPasswords, PIN and mobile and online security.
FeesThere are no fees for account maintenance. Both the 360 Checking® account and the MONEY account have a number of fees that may be charged for certain transactions.
Current Terms and Rates360 Checking®
  • Account balance of $0 - $49,999.99: 0.10% APY

  • Account balance of $50,000 - $99,999.99: 0.10% APY

  • Account balance of $100,000 or more: 0.10% APY


Not only do Capital One’s savings accounts earn interest, but so do the checking accounts. The company offers two types of checking accounts, the 360 Checking® and the MONEY account, specifically for teenagers. The 360 Checking® account earns at a 0.10% APY on balances from $0 - $49,999.999, a 0.10% for balances from $50,000 to $99,999.99 and 0.10% on balances of $100,000 or more. Interest is compounded and credited monthly. 

You will receive a free MasterCard® debit card to make your purchases and ATM withdrawals. You will face some limitations when it comes to spending and withdrawals, like most other debit cards. Total card purchases and withdrawals are limited to $5,000 per day. This limit includes ATM withdrawals, cash advances and signature and PIN purchases. Withdrawals made from an ATM using your 360 Checking Card are limited to $1,000 per day. To decrease your ATM withdrawal limit, you may call Capital One's customer service. Other limitations include that of $100,000 maximum for “bill pay,” “mail a check” or cashier’s check.

While there are no fees for the maintenance of the 360 Checking® account, there are fees for other transactions. Their fees can be charged for cashier’s checks, a stop payment, physical checks sent through a courier, expedited debit card shipping, outgoing domestic wires, returned checks, overdraft, statement copies, and subsequent checkbook orders. You can open a 360 Checking® account as an individual account, joint account or as a living trust account. 

The MONEY account is a checking account designed for teenagers to manage together with a parent or guardian. By sharing the account, teens are able to learn about being responsible with a checking account and debit card while you, as a parent, can keep an eye on the account. There is no minimum deposit or balance requirement. The Capital One MONEY account carries an APY of 0.10%, no matter what your balance is. Interest is compounded and credited on a monthly basis. 

Plus, unlike the 360 Checking® account, there are only three fees that may be charged. These include an expedited debit card, a physical check sent through a courier and a statement copy. However, if you avoid these transactions, you can avoid the fees. You will also run into purchase and withdrawal limitations. It’s important to check your account agreements, since account owners under the age of 18 will have lower limits. To increase or decrease these limits, or manage your account, you can always call Capital One customer service.

It’s important to know that with a MONEY checking account, you will also get a MONEY debit card. This card will be issued to the teen of the account. The adult connected to the account will not get another card. You should also know that this account will be opened as a joint account, rather than an individual account.

IRAs: Capital One 360 or Capital One Investing

Minimum DepositNone
Access to Your AccountOnline or through the Capital One mobile app.
SecurityFDIC-insured up to the legal limits.
FeesNo maintenance fees.

If you really want to keep all your financial accounts in one place, including your retirement savings, you’re in luck with Capital One. You can open an IRA through Capital One Investing or Capital One 360. In order to open a 360 IRA, though, you will already need to be a Capital One 360 customer. This means you already have a 360 savings, CD or checking account.

Whether you open an IRA through Capital One Investing or Capital One 360, you will have much of the same opportunities. Both offer the option of opening a Roth or a traditional IRA. You can also rollover or transfer funds from other institutions into your Capital One IRA. Plus, neither will charge account fees or require minimum balances or deposits from you.

Both routes offer FDIC-insured savings with interest. With a Capital One Investing IRA, it is an FDIC-insured cash balance of up to $250,000. With a Capital One 360 IRA, your savings are FDIC-insured in CDs and cash savings. Another difference is that you can invest in various assets like mutual funds, ETFs, stocks, bond funds and more with a Capital One Investing IRA but not a Capital One 360 IRA.

Where Can I Find Capital One?

You can find Capital One online at There is also an app for easy access to your accounts. If you need to speak to someone on the phone, you can easily find the phone number for the corresponding department on the website. The hours you can call will depend on the department and the services you need, but generally employees will answer from 8 a.m. – 8 p.m.

There are also physical branches that you can visit in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, Delaware, Connecticut and the District of Columbia. To see if there is a branch near you, you can visit the website and find a location using your address or zip code.

Capital One Cafes

The company has recently introduced a unique feature. They have begun rolling out Capital One Cafes, a hybrid location of a Peet’s® cafe and a Capital One bank branch. These cafes offer a more comfortable environment to do your banking. Instead of a cup of office coffee, you can order a Peet’s® beverage made by a barista along with your choice of baked goods at a Capital One Cafe. Once you’ve got your treats, you can hang out like you would at any other cafe.

Then you can easily finish up your Capital One banking needs at the cafe. You can open a new account, pay your bills, apply for a credit card, make deposits and withdrawals or learn more with the company's tools and materials. Plus, the Cafe provides a more relaxed banking experience. We bet you never thought you would hang out with friends at your bank!

You can find Capital One Cafes in California, Colorado, Florida, Illinois, Massachusetts, Minnesota, Pennsylvania and Texas.

What Can You Do Online With Capital One?

You can virtually do everything you need to do with your Capital One accounts online. You can explore the many financial offerings, from auto loans to home loans to IRAs. You can just as easily apply for those accounts and loans online. Once you have an account, or more than one account, you can sign in to your online accounts to manage them all.

Capital One also provides a ton of educational materials on personal finance. There are blog posts, communities, financial literacy programs and more to help you get more acquainted with financial terms and opportunities. Plus, you can interact with the company through multiple social media platforms like Twitter and YouTube.

You can even access your accounts and help on the go with the Capital One mobile app. The accompanying image provides an example of what your mobile experience might look like once you log in. From there, you can click on the accounts you want to manage, find the nearest branch or ATM to you and more. 

How Do I Access My Money?

Like most things nowadays, you can most easily access your Capital One accounts online or on your smartphone mobile app. Once you have an account, you can log in through the website or on the app. 

Whether on mobile or online, you can check on your account balances and transactions and transfer money. Plus, you can deposit checks easily on your mobile app. Luckily, all your accounts will be in one place for your convenience. You won’t have to have different usernames or accounts to view your IRA and your checking account, for example.

You may also call the appropriate customer service number for your account to manage your accounts. Or, if you live close to a physical location that offers the services you need, you can head there.

How Can I Save More Money With a Capital One Account?

Capital One offers interest on both its savings accounts and its checking accounts. This means that not only can you put away some of your money for safekeeping, but you can be assured that it will grow (at least a little) while it sits there. Many banks and other financial institutions don’t offer that earn interest.

You also get to save money on fees when you bank with Capital One. There are no fees to open or maintain an account, which allows your money to grow largely unharmed. Of course, there will be fees for certain transactions, but if you’re able to avoid those, you can also avoid the fees.

What’s the Process for Opening an Account With Capital One?

Often, opening an account with Capital One is as simple as going online to its website, finding the account you want to open and clicking “Apply” or “Open Account.” You will need to provide personal information like your address, email address and Social Security number on a page like this example image. Online applications are secure, but you can also visit a physical branch if you want. The exception is a MONEY account which you can only open through the website.

Once you’ve opened an account, you will need to make your initial deposit. Capital One accounts don’t require a minimum amount to deposit, so you won’t have to worry about that. You will have to make a deposit within a set time period, however, or else Capital One will close the account.

Some accounts might require more from you to qualify before you can open an account. For example, you cannot open a 360 IRA unless you already have another 360 account like a 360 checking account.

What’s the Catch?

If you’re looking for a financial institution that has branches throughout the country, or even the world, you might want to look elsewhere. Capital One does have 755 physical branches and 30 cafes, but they’re pretty much limited to New York, New Jersey, Texas, Louisiana, Maryland, Virginia and the District of Columbia.

Capital One offers a good rate of return on its savings accounts, plus the checking accounts earn interest, which is relatively rare. However, some people might want higher rates. Some accounts do require quite high balances to achieve a higher APY. Even so, Capital One outperforms other big institutions like Wells Fargo and Chase, who offer a mere 0.01% APY on their savings accounts. Plus, with so many different financial offerings, you would be more able to keep all your accounts in one place with Capital One.

Bottom Line

All in all, Capital One is a huge player in the financial game for good reason. Not only does it offer credit cards, but it also offers various savings accounts, checking accounts, auto loans, investing opportunities and more. This makes it an ideal choice for anyone who wants to avoid the hassle of banking or borrowing from too many institutions.

Plus, Capital One offers some of the best rates when compared to other huge companies. Even the checking accounts earn interest. If you’re looking for a reputable company with millions of customers, Capital One could be a good choice. 


How Can You Cancel Your Walmart Credit Card?

Walmart offers two types of credit cards: the Capital One Walmart Rewards Card, which can be used anywhere, and the Walmart Rewards Card, which can be used exclusively at Walmart. Both are administered through Capital One. To close either of these credit cards, contact Capital One by sending a letter to the address shown on your latest billing statement or by calling the company’s customer service number (you can find it on the back of your card, on your monthly statement, or online).

Key Takeaways

  • Walmart has two credit cards: the Capital One Walmart Rewards Card, and the Walmart Rewards Card.
  • The fastest way to cancel your Walmart card is by calling Capital One customer service.

How to Cancel Your Walmart Credit Card

If you need to close your account right away, call the customer service phone number on your statement. A customer service representative can help you cancel your card.

Otherwise, you can close your Walmart credit card by sending a letter to Capital One at the address on your statement. For delivery assurance, you may want to send the letter via certified mail. Include in the letter your name, billing address, and account number, as well as a request to close the account. You don’t have to explain why you are closing the account, but if the letter is a follow-up to a phone call, then you should include the date and time of the call, as well as the name of the representative with whom you spoke.

What Happens When You Close Your Walmart Card?

Under most circumstances, you are still liable for the full outstanding credit card balance, even after you have canceled the card. To prevent accumulating additional charges by any other authorized users of your Walmart credit card, collect all the cards that were issued and destroy them. If any authorized users don’t live near you, notify them about your plan to close your Walmart card right away.

Until you settle the account in full, the variable annual percentage rate (APR) on your card will apply to any remaining balances.

If you have accumulated rewards on a Capital One Walmart Rewards Card or Walmart Rewards Card, then you may lose them when you cancel the card. Users of the Capital One Walmart Rewards Card earn 5% cash back on purchases at, 2% back on restaurants, travel, and purchases at Walmart physical locations and gas stations, and 1% back on purchases wherever Mastercard is accepted. Users of the Walmart Rewards Card earn the same rewards on Walmart purchases, with 5% back on in-store purchases for the first 12 months.

How Closing Your Walmart Card Affects Your Credit Score

Capital One reports your credit card activity to the three major credit bureaus (Equifax, Experian, and TransUnion). Closing your account may negatively impact your credit history, depending on how long you have had the card. If your Walmart credit card is your oldest credit card, then consider paying off the full balance but keeping your account open; otherwise, the average age of all your accounts will go down, which can reduce your credit score.

Walmart offers several payment options for its credit cards, including online, over the phone, by mail, and in-store (at both Walmart and Sam’s Club, if you’re a Sam’s Club member).


Capital One 360 Checking Account Review

Capital One 360 iPhone AppCapital One 360 iPhone App

Capital One may be known best for its popular travel and rewards credit cards.

Capital One 360 is an online banking division of Capital One that also happens to be one of the most popular destinations for people seeking an online bank.

One go-to product is the 360 Checking account, an online checking account that delivers great rates and features without any fees.

In this review, learn more about the benefits of the account to see if it is right for you:

Never Pay a Fee or Deal with a Minimum Balance

Banks these days seem to nickel and dime customers wherever they can.

Monthly maintenance fees, ATM fees, and other fees can cause your balance to dwindle even if you’re a good saver.

The biggest draw of Capital One 360’s checking account is that there is no minimum balance required to open the account.

On top of that, there are no maintenance fees. No matter how much or how little you keep in the account, it will cost the same amount, nothing.

In an age where banks are charging you to hold your money, having somewhere truly safe to keep your cash is invaluable.

Easy to Use Overdraft Line of Credit with No Fees

Capital One 360 makes it so that you're not paying expensive overdraft fees when you spend more than you have in your account.

After you open your account, you can apply for an overdraft line of credit through your online portal.

If your application is approved, you can receive a credit limit as high as $1,000.

When you make a purchase or transaction that exceeds the balance of your account, the difference is borrowed from the overdraft line of credit.

How it works

When you make a purchase or transaction that exceeds the balance of your account, the difference is borrowed from the overdraft line of credit.

Then, you’ll have to make payments on the loan.

The interest rate is high, so you should try to pay it in full to avoid incurring interest charges.

The good news is that the rate is lower than the rate charged by most credit cards.

You can make a payment simply by transferring money from another account into your 360 Checking account.

You’ll get a reminder e-mail that will tell you the minimum you must pay each month.

The good news is that the rate is lower than the rate charged by most credit cards. You can make a payment simply by transferring money from another account into your 360 Checking account.

You’ll get a reminder e-mail that will tell you the minimum you must pay each month.

Another option is to transfer from savings

If you decide to stop using an overdraft line of credit, you can switch to using the savings transfer option.

With the savings transfer, if you try to make a purchase that exceeds your checking account’s balance, the funds will be taken from a 360 Savings account.

Neither the savings transfer nor the overdraft line of credit charges a fee when you use them.

Easy Access to ATMs Nationwide

Capital One 360 will never charge an ATM fee. However, the operator of any out-of-network ATM may impose a surcharge.

The online bank is partnered with the Allpoint ATM network to provide surcharge-free access to more than 40,000 ATMs in the country.

The online bank is partnered with the Allpoint ATM network to provide surcharge-free access to more than 40,000 ATMs in the country.

Also, customers can use any Capital One ATM for free. Its branch and ATM network is present in Connecticut, Washington DC, Delaware, Louisiana, Maryland, New Jersey, New York, Texas, and Virginia.

Capital One also operates café branches in other states, but not every state has a physical Capital One location.

That means that your phone and ATMs will be your primary way to interact with your account.

No Fees for Foreign Transactions or ATMs Too

Keeping with Capital One’s credit card offerings, there are no fees for using your card during international trips.

When making foreign purchases or ATM withdrawals you will have to convert your US dollars to the local currency.

Capital One will automatically do the conversion for you using the market rate at the time of the transaction.

There are no fees charged by Capital One for performing the conversion. Again, you will still be responsible for fees charged by the ATM operators.

Leading Interest Rates on Higher Balances

After the ability to access the money in your checking account, the next most important thing about a bank account is its interest rate.

The Capital One 360 checking account offers three interest rate tiers based on your account’s balance:

  • Less than $50,000
  • $50,0000 to $99,999.99
  • $100,000 or more

Capital One 360’s interest rates tend to beat most national banks, but the lower end rates fall short of the rates offered by online banks.

If you have a lot of money to keep in your checking account you can earn more at Capital One than you can elsewhere.

Otherwise, you might be able to get more interest with a different account.

No Monthly Fees

As mentioned before, the Capital One 360 Checking account does not charge a monthly service fee or other monthly fees.

By keeping your money working for you, you can get closer to achieving your financial goals.

Capital One 360 Checking Account Fees

Monthly Maintenance Fee$0
Out-of-Network ATM Fee$0 (ATM operator fees may apply)
Overdraft Fee$0
Overdraft Protection TransferN/A
Returned Item$9
Stop Payment$25
Deposited Item Returned or Cashed Check Returned$0
Incoming Domestic Wire Transfer$0
Incoming International Wire Transfer$0
Money OrderN/A
Cashiers Check$10

Manage Your Account and Deposit Checks From Anywhere

Capital One strives to make accessing your account as easy as possible.

That’s why they’ve built a nationwide network of ATMs and opened physical banks and café locations.

On top of the convenient ways to get physical cash in your hand, Capital One makes it easy to manage your account online.

You can access your account through a computer to make transfers or pay bills.

You can also manage your account on the go using Capital One 360’s smartphone app.

If you want to deposit a check, it’s easy to do using the account’s mobile deposit feature.

How Does It Compare

Capital One 360 is just one bank out of the hundreds that you could work with. If you need to open a checking account, consider these other banks too.

Axos Bank Rewards Checking

The Axos Bank Rewards Checking account offers one of the best interest rates available from a checking account.

The catch is that you’ll need to jump through a few hoops each month if you want to earn that rate.

To qualify for the highest rate available, you’ll need to receive $1,000 in direct deposits each month.

You also have to use your Rewards Checking Visa debit card 15 times in a month. If you meet one, but not both requirements, you’ll earn a moderate interest rate.

Though using a debit card means you’re passing up cash back or other credit card rewards, you can still get rewarded for using this debit card.

When you log in to your Axos bank account, you’ll see a list of cash back offers. These offers will offer a statement credit of a certain amount if you spend at least a certain amount at the specified store.

Add the offer to your debit card and you’ll automatically receive a statement credit if you meet the requirements.

TIAA Bank Checking

The TIAA Bank Checking Account requires a $5,000 minimum deposit to open. If you can meet that hefty requirement, you’ll get an account with no monthly fees and ATM fee reimbursement.

The main draw of this account is the Yield Pledge.

EverBank promises that its checking account will always offer an interest rate in the top 5% of similar accounts.

If you have an TIAA Bank Checking account you can rest easy that your money is earning as much as it can.

Ally Bank Interest Checking

Ally Bank is one of the biggest online-only banks in the United States. It offers a full suite of financial services, including checking accounts.

Like the Capital One 360 checking account, Ally’s Interest Checking Account offers interest tiers. One interest rate applies to accounts with a balance under $15,000.

The other rate applies to accounts with $15,000 or more. Both rates are lower than the rates that Capital One offers, but Ally tries to make up for it in other ways.

One of Ally Bank’s biggest benefits is that you can receive ATM fee refunds, up to $10 per statement.

No matter where you are in the US, you can use any ATM and get the fee refunded.

That makes it easy to get your cash without having to worry about finding an in-network ATM.

If you’re a heavy cash user or have other accounts with Ally Bank, the convenience of the Ally Bank Interest Checking Account is hard to beat.

Final Verdict

The Capital One 360 Checking account offers a mix of convenience and high interest rates, so long as you have a high balance.

It doesn’t excel in any one category, but it does not lag behind in any either.

If you want a safe, easy place to store your money, the Capital One 360 Checking account is a good choice.

If you know that you want to earn the best rate available or that you need to be able to use any ATM in a pinch, consider a different account.

More:Best Checking Accounts of the Year

Continue Reading

 Why did Affirm do this?
I have a Capital One debit card, am I affected?

Capital One recently made the decision to no longer allow cardholders to use their credit card for certain services such as Affirm. Unfortunately, we are not able to bypass this decision.  


I used to be able to use this card, why can’t I now?

Capital One has recently made this decision, so you may have been successful in using your Capital One card for prior down payments or loan payments on eligible loans.  At this time we cannot move forward with processing a payment toward this card. 


Why did Affirm do this?

This is not a decision made by Affirm, but is Capital One's decision.  We will continue to accept payment methods from other issuers for down payments and on certain types of loans.  We do always encourage the use of ACH bank transfers and debit cards for payments. 

I have a Capital One debit card, am I affected? 

You can still make payments with a Capital One debit card.


Capital One Debit Card

Posted by Karen(Monterey County, CA (formerly Verbania Italy-Lago Maggiore)) on

I've used Capital One Debit cards for international travel for almost 10 years and has always been fee free. We are departing Friday and just making sure I'm notifying banks of international travel for both debit and credit cards.
On Capital One's travel notification link, they say because of the chip it's not necessary to notify them (no issues here), but then it says

We never charge foreign transaction fees for purchases. Just remember when you use international ATMs there's a fee of $2 plus 3% of the amount you withdraw.

We were just in Italy in April and didn't experience these fees.

Does anyone know if their policy changed recently? We are going to be in Italy for a year, so this is a "Holy CXXX" moment. Will call them tomorrow (not open now).

We too have used CapOne for about 10 years with their High Yield Money Market account (older product) and have never had any surcharge. This has never been changed. 3% of your withdrawal amount is in fact the “Foreign Transaction Fee”. You need to speak with their customer service - which we have always found to be first rate and cannot believe you cannot get through to them on their toll free number which should not be down for the day - and clarify this. As for that ATM fee, CapOne should not be charging one, and If it is a fee of the ATM machine they cannot do anything about it as they do not refund fees the way Schwab and some others do.

I checked my Capital One (360, does that matter?) debit MasterCard and there is no notification about fees.

That sounds more like a cash withdrawal fee on a credit, not a debit, card.

I just checked the rates on my recent withdrawals. I used my Cap One ATM card twice in Istanbul at the end of last month. I looked at the mid-market rates on and that's exactly what I was charged, so no fees at all.

I used my Cap One 360 card in England last month and wasn't charged any kind of fee. hmmm...

Some Capital One accounts do now charge fees for cash withdrawals using your debit card.

Their 360 account still does not. (And if it ever does, I am closing that account.)

Don't hesitate to call them for clarification and to see if they can either change your account or let you open a 360 account if your account has no option to avoid the fees.

Also, alas, the higher than industry standard daily withdrawal limits have ended. I got a letter from Capital One today informing me that my daily ATM limits were reduced to $500 a day or $2500 a week with no allowance for higher limits. Several other changes to how much money can be moved in and out of my accounts per day as well. Bummer.

This topic has been automatically closed due to a period of inactivity.