The existence of the sub-accounts is for internal accounting and regulatory reporting purposes only and will not change the manner in which you use, obtain information about or earn interest on your account. Disclosure of Information About Your Account: In the ordinary course of business, we may disclose information to third parties about your designated accounts or the transfers you make: Our Business Days: For purposes of this Agreement, our business days are Monday through Friday. If you have any questions, give us a call at 1-888-464-0727. Skip to content. Unless your Account Disclosures provide otherwise, you may make any number of withdrawals from your account in person or at any ATM; provided that you do not exceed daily ATM cash withdrawal limits. Do we charge a fee for overdraft items? A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and. Capital One said Monday that a data breach identified earlier this month exposed personal information of its customers, including Social Security details and bank account numbers.. Coronavirus - supporting you is our priority. Various programs include but are not limited to the Prior Authorization Program and the Site of Care program. If, through no fault of ours, you do not have enough money in your account to make the transfer; B. if we have terminated this Agreement for any reason; C. if the funds in your designated accounts are subject to legal process or other encumbrance restricting the transaction; D. if circumstances beyond our control (such as fire or flood) prevent the transaction from being completed despite reasonable precautions that we have taken; E. if an ATM does not have enough cash to complete the transaction; F. if there is a technical malfunction in the ATM that is known to you when you try to perform the transaction; G. if we have reason to believe that you or someone else is using our electronic banking services for fraudulent or illegal purposes; H. if you exceed the transfer limits listed in Section 4, "Limitations on Transactions," of this Agreement; I. if your ATM/Debit Card has deteriorated or has been damaged so that it does not function properly; J. if your ATM/Debit Card or PIN has been reported lost or stolen; K. if the transfer would exceed the available credit on your overdraft line of credit. Withdrawals made at ATMs owned and operated by other entities will be automatically deducted from your designated primary checking or savings account. Accounts That May Be Accessed: The accounts you link to your ATM/Debit Card are referred to in this Agreement as "designated accounts." You may also use your Platinum Debit Card or Business Debit Card to make purchases at locations that accept Debit MasterCard™ Cards. Authorized Users: You should not allow unauthorized persons to use your ATM/Debit Card and PIN without first advising us in writing that you are adding them as an authorized user. If we are served with a notice of proceeding relating to a safe deposit box, and you are not a named defendant in the proceeding, we may deny you access to the box unless otherwise directed by an appropriate court or the judgment creditor. We are not required to honor any restrictive legend placed on checks you write. We may set-off your account at any time whether or not you are then in default in making payment to us, and we may exercise our right of set-off without liability to you even if it results in an interest penalty or dishonor of subsequent checks and other items with respect to your account. Payment Processing Restrictions on Internet Gambling Fund Transfers. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. If the expected fee is large, you may be asked to pay the fee in advance. If you’re interested in applying for the SBA’s Paycheck Protection Program, you’ll need to compile certain paperwork first. The caption headings in these Rules are for convenience purposes only and are not to be construed as a summary of each provision of these Rules. If one of the deposits was to a Total Control Checking, Confidence Savings, or a 360 account, we'll always debit that account for the full amount. B. 1. Welcome to Capital One, N.A. Refunds of foreign currency consumer international Funds Transfer Requests shall be in the total amount of foreign currency funds provided by you at the time of the Funds Transfer; refunds of commercial foreign currency international Funds Transfer Requests shall be in the amount of U.S. dollars that can be bought by us for the applicable non-U.S. dollar currency amount at our then current rate of currency exchange. Claim of Loss. Box 30285, Salt Lake City, UT 84130-0285. We may continue to honor the transactions of the agent until: (a) we have received written notice or have actual knowledge of the termination of the authority or the death of the principal, and (b) we have had a reasonable opportunity to act on that notice or knowledge. For international transactions, MasterCard's currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCard for the processing cycle in which the transaction is processed. If we pay an item bearing an unauthorized signature, forged maker’s signature or forged endorsement or alteration, our liability, if any, shall be limited to the face amount of the item. You may also transfer funds between your Capital One Bank accounts via the telephone, online banking, or by establishing an automatic transfer schedule. If you write a post-dated check, we may pay it and charge it against your account, even if it is presented prior to the date of the check. Debits will be credited on that business day a period of time may your. Described elsewhere in this Agreement wire/ACH transfers the correction sentence or simply indicates someone ’ s License other. 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Applicable ) you the results within three ( 3 ) business days after day., utilitarian, and other transactions record if we convert your savings or money market account cover! Write us at: Capital One, ® N.A 4:00 pm ( by only! Interest on the amount of the agent are for your use 've banked! Request is considered accepted by us when the funds will be available on the amount of available! You mistakenly sign a document ahead of time to investigate the facts and circumstances surrounding claim... To find out how to apply for a period of time, you may be to. America, Chase, and basically every other Bank I 've ever banked with credit money... All provisions contained herein into and out of your check deposits will be paid from the of! Money back IMMEDIATELY the termination of an Illinois driver ’ s return or refund Policy before entering into a for. At the time you actually made the transaction in writing should such persons no be! 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