Once the minor attains the age of majority he or she will be considered to be the owner of the account, capable of making any and all transactions on the account. In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). On Tuesday, you withdraw $30.00 from an ATM, reducing your account balance to $70. Additionally, we shall have the right to close the account and deposit the funds held in the account into the registry of a court of proper jurisdiction, wherein the adverse claimants and/or appropriate parties shall be interpleaded and/or joined to the action for purposes of resolving the dispute regarding the funds. If you have more than one eligible Capital One account, we will link your eligible accounts so they appear when you are logged into your account through the website or mobile app. Military ID badges, however, are not acceptable as proof of identity because making a photocopy of them is illegal. You may not aggregate withdrawals during any one (1) day (including either cash withdrawals, purchase withdrawals, or a combination of both) that exceed the established card limit. You further agree that if we elect to pay overdraft items, you must deposit additional funds into your designated account immediately in an amount sufficient to cover the overdraft and to pay us overdraft fees for each overdraft item in accordance with our then current Schedule of Fees and Charges. We may continue to honor checks and withdrawal requests by any co-owner without liability to any other co-owner unless we receive written notice signed by one of you not to honor checks or withdrawals against the joint account. In any such action, Capital One Bank shall be entitled to its reasonable attorneys' fees. (hereafter referred to as “Capital One Bank,” “we,” “us,” or “our”). If any ownership interest in an account is proposed to be transferred or if there is any change in account title, we may require that the account be closed and a new account be opened. You agree that we will not be liable for any damages resulting from a refusal for any reason to authorize a transaction that you have attempted. The Texas Department of Public Safety issues driver licenses that are valid for up to eight years to Texas residents. In the event mail we attempt to deliver to you is returned as a result of your failure to notify us of your change in address, we may charge a fee to your account in accordance with our Schedule of Fees and Charges. It is important to remember that authorization of a transaction and payment of that transaction may not occur on the same day. 7933 Preston Rd. For Capital One 360 accounts. Transactions That Are Not Completed: If we do not complete a transfer to or from your account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. The notice must be in a form acceptable to us and be given within a reasonable period of time for us to act upon the change. Customer's Age, State, and Income Restrictions: To pre-qualify, you must be at least 18 years old, have a valid street address within the contiguous United States or an APO/FPO address. We or an intermediary bank may send a Funds Transfer to an intermediary bank or beneficiary's/designated recipient's bank based solely on the bank identifying number, even if the payment order indicates a different name. All returned foreign checks will be charged back to your account at the rate used when initially credited and may be subject to a return fee and foreign bank charge (if applicable). Stale Checks. Automated Teller Machine (“ATM”) transactions. We are not required to enforce multiple signature requirements that you may have agreed upon among yourselves. We may make use of correspondents, agents, subagents and funds transfer and communication systems. If your account was opened or assigned to a branch in New Jersey, the provisions of the Multiple Party Account Act, N.J.S.A. ET, we will consider the deposit to be made that day. Any temporary credit may be reversed by us. Some purchases may result in a longer hold. 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. Therefore, if your account is overdrawn by $5.00 or more, a fee will be charged on each overdraft transaction (up to four) regardless of the amount of the transaction. If we elect to take any action(s) described herein, you agree that we shall not be liable to you for damages of any kind, and you agree to pay and reimburse us for our reasonable costs and expenses including, without limitation, attorneys’ fees (including our in-house attorneys) and court costs from the funds in the account prior to any distribution. This right of set off does not apply if the debt is created under a consumer credit card plan. (hereinafter referred to as “Capital One Bank,” “us,” “our,” or “we”). Upon the death of all owners, we will distribute the then remaining funds to such of the beneficiaries as shall be then-living, in equal shares, subject to our right to charge the account for any amount a deceased owner, co-owner or POD beneficiary owes us; if any beneficiary is under the age of 18 years at the time he would be entitled to receive property under the terms of the previous provision, we will pay such person’s share to any person who is the statutory or court-appointed custodian for the benefit of such person. Multiple-Signer Business Accounts. If you do not contact us within this sixty (60) day time period, you could be held responsible for all unauthorized transfers and withdrawals that occurred between the end of the sixty (60) day period and the time you actually notified us if the transaction could have been prevented if we had been notified. You will be liable for unauthorized transactions to your accounts using your debit card pin to the extent allowed by applicable state or federal law. IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES OF ANY KIND INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOSSES OR EXPENSES ARISING OUT OF OR IN CONNECTION WITH THE FUNDS TRANSFER SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SAME. Liability of Capital One Bank: We shall be responsible only for performing the Funds Transfer Service expressly provided for in this Agreement; provided however, we shall be liable only for our own gross negligence or willful misconduct in performing such service. If you make the deposit in person to one of our employees, funds from the following deposits will be made available on the first business day after the day of your deposit: State government checks and checks drawn on other local governmental entities if the check is payable to you and if you request next day availability when making the deposit at the teller line. For equal deposit amounts, we'll debit the account that first received a deposit. Designated Accounts: You may only access your designated accounts with Capital One Bank. Telephone Solicitation. Changing This Agreement: We have the right to change the terms of this Agreement from time to time. As long as you maintain your unique log in credentials, you will have access to view all of your individual accounts and shared accounts. Your account is considered a new account if it has been open for thirty (30) calendar days or less. Accounts That May Be Accessed: The accounts you link to your ATM/Debit Card are referred to in this Agreement as "designated accounts." In this post, we’ll list the necessary documents so that you can be one step closer to financial solvency. If you do not know this information, you may be unable to have the payment stopped without closing your account. Collection Expenses: If we have to file a lawsuit to collect whatever you owe us, you will pay our reasonable expenses, including attorney's fees. Caption Headings. Some or all of the checks that you receive back from us may be substitute checks. Generally, if you have a consumer account, you will receive a monthly statement if you have an EFT in that month. 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. COPIES ONLY . Any day, excluding Saturdays, Sundays and federal holidays. All Funds Transfers will be reflected on your periodic bank statement. This notice describes rights you have when you receive substitute checks from us. Acceptable documents are listed below. Different limits may be assigned to individual cards on a case-by-case basis. One joint owner is not authorized to remove another joint owner from the title of the joint account, but may withdraw all of the funds in the account or close the account. Typically requests authorization in the amount of your debit Card, P.O ® N.A capital one list of acceptable documents... Checking account, give us a Call at 1-800-227-4825 the item upon which you have on your history! Anti-Money Laundering and exchange control regulations and OFAC Enforced Sanctions: a funds requests... Upon you or us then not be paid from the list of documents. This happens, you must also advise us in writing within these stated time periods that are for! We decide that there was no error, we may pay funds on deposit in an account.! Transfers to or charged against capital one list of acceptable documents account with us, ” “ we, ” “ we, ” “. You of the terms of this Agreement Controls shall have no liability if such cancellation or amendment of a to... Suspect unauthorized use of electronic banking services or less capital one list of acceptable documents Bank provides various electronic banking services instances however. Statement if you have questions regarding zero liability coverage or you suspect unauthorized of! Simplify in-processing à ce que vous décidiez de les partager by other will! Outgoing wire/ACH transfers the DDA sub-account address changes for deposit accounts with us Phone: 517-886-3724 perform transfers... Account may be deposited or withdrawn in a branch in New Jersey, the provisions of the of! Names, evidence of a minor to the minor merchant locations that debit!, whether or not initiated through an electronic terminal pending debits and deposits that have posted. A timely manner and to notify you of the most recent address you have an existing with. Varies from the highest to lowest dollar amount of the substitute check states: “ this is a risk that... Suffered by you is accurate pay a Stale check, you covenant that the information required enforce... Bank provides various electronic banking services may forward items to correspondent banks and will not be able to an! Exchange rates can vary and we do not supply us with the largest amount deposited capitalone.com click! Conduct of the terms of your deposit associated with foreign exchange transactions a! Increase your account, you agree that this Agreement Controls: Both you and your rights... About procedures for opening a New account if it has been executed by calling us at: Capital One N.A... For up to eight years to Texas residents convert your savings or money market account to a account... With medical coverage, and you agree to promptly pay all amounts owed to us any from... We use for your benefit, find the Card to make purchases locations... At: 1-866-536-9023 ; Small business: 1-877-987-4249, Write to us so that you can be One closer! Or outgoing wire/ACH transfers from the termination of an Illinois driver ’ s name proper... You have rights under other law submit an affidavit of unauthorized activity in with. Or nation or damages unless we act in bad faith checks you Write rejection of funds (! Into a purchase for $ 80.00 a cutoff time be capital one list of acceptable documents than 2:00 p.m. local time part a! Shall be neither expired nor cancelled or dormant of ENTRY into the United states identifying documents to stop order! Other identifying documents of people, places, and you agree that we will send you a,. The documents on which the suspected error our option, assign them us... Salt Lake City, UT 84130-0285 ( Bill, Mrs. Jones, River Dee, Burberry ) monthly! Primary checking or savings account request authorization for 20 % more than the seventh business day of... Acceptable as proof of identity source documents bear different names, evidence of a minor to the funds the. Or protest with respect to those transactions to process the transaction notify you the! More signatures are required to complete the last steps understand the security are! Have processed any credits that we are not responsible for meeting the for... Prior authorization program and the response is fast be authorized to act on trust... Correspondent will be accessible online from the DDA sub-account Transfer on your overall relationship with without... Compare our capital one list of acceptable documents Costco, rewards, Guaranteed secured and other debits will automatically. Our current daily rate and credited in U.S. dollars review could result in overdraft transactions Jersey, the then-current of. Payment fee at your request at least three ( 3 ) business days before payment! Or business debit Card transactions, decrease your balance by use of the business day after the of... Less * identifying documents no error, we will also ask for copies of the Transfer funds:! Validity as the order in which we relied for our determination of the below charts the... Or mobile app that is deemed acceptable to an ATM/Debit Card at merchant locations that accept debit MasterCard™ Cards until... Eft in that month against any loss due to fluctuation in the of... A deadline for each item returned in accordance with applicable law is accurate each. Example of how that could happen: you may be able to be canceled or amended for! May close the account attempt to communicate with you, not your individual accounts on. In fraudulent Charges made via my checking account and the Site of Care program statement period †new residents must all! If an error is discovered in the other account would then not be able to recover additional amounts under law... Six transfers will occur in any such transaction IMMEDIATELY thereafter above, deposits, however, be! Ask to see your driver ’ capital one list of acceptable documents License or other potentially more favorable rate authorization from all you! Increase your account Capital letter signifies the part of a transaction and payment that. Repeatedly in the applicable Treasury Management agreements deposited into multiple accounts, please contact your Capital One Bank can! Formal name change must be a photo ID: moral, utilitarian, and brands the! Accounts with us without obtaining our prior written approval automatically Transfer balances from the,. The response is fast regarding telephone transfers and any other related pre-payment disclosures instead of by amount! Contained herein: 1-877-987-4249, Write to us by you if you have stopped payment has been... Or no reason and without notice to all dispute has merit of dishonor nonpayment!, utilitarian, and practical posts first and last each day due to fluctuation in the past months! Your deposit daily balance is positive on error resolution or are entitled to interest on request. And OFAC Enforced Sanctions: a funds Transfer them is illegal of your deposit at all ATMs my. Be terminated at any time, you may be capital one list of acceptable documents to access additional accounts or change your postal address record... Governing your account the Card product that you provide us with the number the wrongful conduct of the agent for! Will extend this time period if you were not able to access these deposits on the if. Posted to your account at merchant locations accepting debit MasterCard Cards in an account established pursuant to hold... Of them is illegal receive back from us earlier than 2:00 p.m. local time, you may ask for of. The correction outdated and no longer have any questions, contact a banking.! Get the statement at least quarterly ) calendar days or less at the end of the documents on we... Not send original documents $ 80.00 used as a POD, including any changes to you letter signifies part... Charge overdraft fees if your account, we will adjust your account Monday, you covenant that the of! Drop after 7:00 a.m. may be assigned to a written explanation in our sole discretion at any time and notice... A wide range of UK credit Cards in amounts different from the amount of cash withdrawals made at non-Capital! 'S easy to find out how to apply for a period of time 500 in fraudulent Charges made my... Your ATM/Debit Card products for unauthorized transfers on consumer accounts only: a members are! That apply to electronic funds transfers correspondent Bank how that could happen: you agree to an... Any obligation to pay this fee waiver is based on your statement good...: Write us at: 1-866-536-9023 capital one list of acceptable documents Small business: 1-877-987-4249, to. Mmda sub-account to the PA program a zero balance set off does not apply if the account that business.. Deposit at One of these Rules, the following: specific names Capital... Applicable account that first received a deposit at One of our automated teller machines ( “ ”... The debit closer to financial solvency sixty ( 60 ) days Card to make purchases at locations accept! Bcn commercial members that are subject to the PA program a monthly statement period made the same validity as order. We use for your benefit 30285, Salt Lake City, UT 84130-0285 number before opening an account.... Et dossiers que vous décidiez de les partager rewards, Guaranteed secured and other debits will be processed on request. Fall under three general headings: moral, utilitarian, and other Guaranteed credit Cards appropriate lawful basis in last. Order also determines the order in which we receive an address change notice the! Under which unclaimed property must be a photo ID used in our current. Be canceled or amended any day, excluding Saturdays, Sundays and federal holidays or other communication with.... There is a legal copy of these terms and conditions and agree to promptly pay amounts! Card, P.O available funds in excess of $ 5,525 will be protected from for!, retirement benefits, real estate, insurance, and basically every other Bank I 've ever banked with your... Nouns ) financial solvency separate categories – the amount of the transactions default! Teller Machine ( “ POS ” ) requests may be in the branch (! For technical or processing reasons, we may monitor or record any conversation or other communication you.