Capital one account terms

Last modified 06/21/2024

  1. Introduction This Agreement governs your use of the Services (defined below). Unless otherwise noted, each section below applies regardless of whether you are using the Services to access your Bank Account or Non-Bank Account. Before using any of the Services, please read this Agreement. You accept this Agreement by using the Services. If you don’t accept these terms, or any subsequent changes to them, you may not use the Services. You may withdraw your consent to this agreement at any time by calling us at (844) 348-8656; however, this will result in the loss of your online account access. This Agreement governs your use of any information, content, products, services, transactions, and other features available through the Online Banking Web site (the “Online Banking Site”). This Agreement is part of the Terms and Conditions for capitalone.com and the Terms and Conditions for banking.capitalone.com. All of these Terms and Conditions apply to your use of the Services on the Online Banking Site. Please also visit www.capitalone.com/privacy for information about how Capital One collects, uses, and discloses personal information in connection with the Services. If you use certain accounts, features, products or services in connection with the Services, you may be subject to separate agreements governing such accounts, features, products, or services (collectively, “Additional Agreements”). This includes agreements or terms governing any checking, savings or other deposit accounts; loan, line of credit and credit card accounts; pre-qualification requests; any other accounts that you may access while using the Services; fee schedules; our electronic funds transfer agreement and disclosures; our Online Bill Payment Authorization and Agreement; and your signature card. The Additional Agreements are incorporated into this Agreement. If the terms of this Agreement conflict with the terms in any Additional Agreement solely as they apply to online banking and online bill payment services, this Agreement controls. But the terms of this Agreement are not intended to modify any disclosures or other terms that are required by law and that are provided by Capital One in an Additional Agreement. This Agreement shall apply regardless of how the Services are accessed. This includes but is not limited to through the URL addresses https://www.capitalone.com and https://banking.capitalone.com, the Capital One mobile app, or electronic mail or links from another website via a computer, mobile device, or any other means.
  2. Definitions Unless otherwise stated, the following definitions apply throughout this Agreement: “Capital One”, “we”, “us” or “our” mean, collectively, Capital One Financial Corporation, its subsidiaries and affiliates (including, without limitation, Capital One, N.A. and all of their respective successors, assigns, agents, and/or authorized representatives). However, for a specific account accessible through the Online Banking Site, “Capital One”, “we”, “us” or “our” means the particular entity in the Capital One family that offers such account. Please consult your account agreement(s) for information about the Capital One company servicing your individual account(s). “You” or “your” mean each Authorized Person (as defined below) with an interest in a Capital One account which is accessible through the Services or through the Online Banking Site; the Business and the Business Signer; each person who signed the application or other binding documentation for the account with Capital One (a joint accountholder); or any person authorized to use the account in any way (an “Authorized User”). Whenever “you” is more than one person with respect to any such account or relationship (e.g. primary and coborrower for an Auto Loan Account), the obligations and agreements applicable to you under this Agreement shall be deemed to be joint and several wherever appropriate. “Account” and “accounts” mean the checking, savings or other deposit accounts, loan accounts and other accounts that are tied to your Social Security number, Tax Identification Number (including EIN) or other unique identifier provided to you by Capital One (your “Customer Number”) and that are used through the Services, and any other account that you may add to your online banking profile (as further set forth below). “Authorized Person” means, for an individual account, each person who has an interest in or authority to transact business using such account. For an entity account, it means each person listed as an authorized signor on the signature card for such account or otherwise authorized to transact any business using such account. “Bank Accounts” mean any account that you are an account holder (including joint) on that is a Capital One checking, savings, money market, certificate of deposit, personal loan or line of credit. These accounts will be automatically linked to your Online Banking profile.

    WHEN USING THE SERVICES TO ACCESS YOUR BANK ACCOUNT
      Conditions for Enrollment To enroll in Online Banking for your bank account, you must have opened at least one of the following accounts under your Customer Number: a checking, savings, money market, CD, IRA or other deposit account, or an installment loan, line of credit or other loan account, offered by Capital One, N.A. The use of Online Bill Pay requires at least one eligible checking account with Capital One, N.A. If you have more than one eligible account, we may“link” your eligible accounts together for purposes of the Services. All such accounts will appear in your online banking profile on the Online Banking Site. Any accounts for which you are an Authorized Person (including joint accounts for which you are one of multiple Authorized Persons) will appear in your online banking profile.

    1. Conditions for Enrollment To enroll in Online Banking for your credit card account, you must be the primary account holder on at least one eligible account that is not restricted for fraud or national security reasons. If you have requested that your account be closed but you still have a balance, your account is in collections, suspected of fraud, or is otherwise in a restricted status, you may still have access to Online Banking. But you may not be able to perform certain functions on your account such as request a balance transfer. By enrolling in Online Banking, you certify that you (a) are 18 or older; (b) are a United States resident; (c) are legally capable of entering into contracts; and (d) have and will only register Payment Account(s) in your name or the name of a business on which you are an account holder or Authorized User. You agree that Capital One may at any time verify any registration information you provide. If enrolling to use Online Banking for a Business, you also represent and warrant that (a) you have authority to enter into this Agreement on behalf of the Business and yourself; (b) you have authority to provide all required or requested authorizations to us on behalf of both yourself and the Business; and (c) you will use the Payment Account(s) consistent with your obligations to and agreements with the Business.
    2. Linking Your Capital One Credit Card Account(s) and Certain Other Accounts Once enrolled, you will need to choose the accounts you would like to have Online Banking access to from the list of eligible accounts we provide. Capital One credit cards with different usernames may not be linked. You can consolidate accounts serviced with different usernames to a single one. If you choose to do so, pending payments and the payment account you have set up will be moved to the new username; however, secured message inboxes from the old user name(s) will not move. Non-linked account(s) will not be accessible through Online Banking. To get any information or conduct any activity on any other accounts you may have with Capital One such as deposits or loans, you must access the Online Banking Site.
    1. Conditions for Enrollment To enroll in Online Banking for your Auto Loan account, you must be an account holder of at least one Capital One Auto Loan that is not restricted for fraud or national security reasons. If your account is in collections, suspected of fraud, or is otherwise in restricted status, you may still have access to Online Banking. But you may not be able to perform certain functions on your account. If you have more than one eligible account, we may “link” your eligible accounts together for purposes of the Services. All such accounts will appear in your online banking profile on the Online Banking Site. Any accounts for which you are an Authorized Person (including joint accounts for which you are one of multiple Authorized Persons) will appear in your online banking profile.
    1. Email You agree to receive all transactional email communications from Capital One that are related to your use of the Services or to your account(s). This includes automatic security alerts and any optional alerts that you may receive (discussed below). You consent to any inadvertent disclosures that may occur as a result of us sending communications to your email address. Email is not a secure method of communication. So we recommend that you do NOT use email to send confidential or personal information or initiate transactions on your accounts. We also recommend that you not send confidential or personal information in text messages. We will not respond to or act upon text messages received from you, unless in connection with a specific program or instructions provided to you. We recommend that for account transactions or confidential questions you use the appropriate functions available through Online Banking or contact us as specified on our Contact Us page.
    2. Security Alerts and Optional Communications (including Text Messages) Online Banking offers both security alerts and optional alerts and communications about certain accounts and account transactions. Security alerts are provided to you for fraud protection and when certain important changes to your account occur. This includes the addition of a new Biller, password and username updates, or changes in your physical or primary email address. These alerts are sent automatically by email to your primary email address and/or by text message to your mobile device number, if you have provided one. You may provide additional contact points for security alerts using the “Messages & Alerts” menu on the Online Banking Site. You agree to receive security alerts from us by prerecorded voice message and/or text message, including with the use of an automatic dialer (autodialer), at any mobile device number you provide to us. You may discontinue security alerts sent by text message as indicated below, but you will continue to receive security alerts by email. In addition to security alerts, you have the option of receiving additional alerts or communications regarding certain other Online Banking and account activity, to include payment due alerts, delivered by email, push notification, text message or voice (“Optional Communications”). You may be asked to select from options when you sign up for the Optional Communications. By signing up to receive any Optional Communications, you consent to delivery of such messages in the format selected to the contact points you identify. If you provide us with a mobile device number for Optional Communications, you expressly agree to receive prerecorded messages and/or text messages at that number from us, including with the use of an autodialer. Security alerts and Optional Communications are subject to the following: You are responsible for notifying us of any changes to your email, mobile device, and telephone contacts. Please sign into Online Banking to modify or cancel your Optional Communications. For help with text messages, you may text “HELP” to U.S. and Canada short code 227898. If you text “STOP” to short code 227898, the command will revoke your consent to receive security alerts, Optional Communications, and other Online Banking-related text messages at that mobile device (although we may send a confirmation of your opt-out). But this does not revoke any other consent you may have provided us. We recommend that you do not send confidential or personal information to us in text messages. We will not respond to or act upon text messages received from you, unless in connection with a specific program or instructions provided to you. Communications may contain our name and information about your accounts. Depending upon the communication, information pertaining to account balances, checks written, insufficient funds, transactions or payment due dates may be included. Anyone with access to your email, mobile devices, or telephone or voicemail may be able to access the contents of the communication. It is your responsibility to secure these devices, protect your usernames and passwords, and provide timely information about contact changes in order to protect the confidentiality of this information. You consent to any disclosures by Capital One that may occur if you do not take appropriate steps to prevent access to your information by unauthorized persons. We try to communicate in a timely manner with accurate information. However, we do not guarantee the delivery or accuracy of any communication. Communications may not be delivered immediately; may not reflect pending transactions or payments; and deposits may not be available for immediate withdrawal. If you require additional details about a transaction, you may sign into Online Banking or contact us as specified on our Contact Us page. You agree that neither we nor our Service Providers will be liable for any delays, failure to deliver, or misdirected delivery of any communication; for any errors in the content of a communication; or for any actions taken or not taken by you or any third party in reliance on a communication. In order to receive security alerts or Optional Communications via text message, your mobile device must be subscribed to a wireless service on a participating mobile carrier. You must be able to receive text messages using your mobile device and your carrier's service. A list of mobile carriers that can receive text messages from Capital One can be found here.
    3. Text Messages, Calls and/or Emails to You By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM (“ATDS”). You also consent to receive emails from us for everyday business purposes (including identity verification). You acknowledge and agree that such telephone calls may include live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our affiliates and agents.
    4. Mobile Wireless Carrier Data You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Capital One or its service provider for the duration of your business relationship, solely to help identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.
    1. GENERAL Your ability to transfer funds from certain accounts is limited by federal law. You should refer to the deposit account agreement which governs your deposit account, a copy of which is available by calling Online Banking Customer Service at 1-877-442-3764. This will detail the legal restrictions and the service charges and penalties for excessive withdrawals or transfers. Transfers made using the Services are included in calculating the permissible number of transfers as described in your deposit account agreement. We reserve the right to impose a frequency or dollar limit on transfers, or to refuse to make any transfer. We are obligated to notify you promptly if we decide to refuse to complete your transfer instruction; but that notification is not required if you attempt to make transfers that are prohibited under this Agreement, any Additional Agreement, other Capital One agreements affecting the terms of your account, or federal or state laws. Except as provided in this Agreement, all Internal Transfer instructions received before 11:59 p.m. Eastern Time will be posted to your account the same Business Day. All Internal Transfer instructions received on or after 11:59 p.m. Eastern Time will be posted the next Business Day. Transfers to or from Capital One 360 accounts are not considered Internal Transfers.
    2. EXTERNAL FUNDS TRANSFERS The External Funds Transfer service allows you to transfer funds between your linked personal deposit accounts at Capital One and deposit or investment accounts (checking, savings, or money market accounts) at other financial institutions. An “Inbound Transfer” moves funds from an outside account to a Capital One account. An “Outbound Transfer” moves funds from a Capital One account to an outside account. You will need to register each of your non-Capital One accounts that you wish to use for these transfers. You agree that you will only register accounts for which you have the authority to transfer funds. Capital One will post Inbound Transfers to your account on the “Deliver By” date. For Outbound Transfers, your funds will be debited on the Business Day following the “Send On” date. Outbound Transfers will arrive at your external financial institution on the Deliver By date. Consult your external financial institution for details on when funds will post to your account. For transfers to a Capital One bank retail account, the funds may not be available until the third Business Day after the Deliver By date. For transfers into a Capital One bank account, the funds will become available in accordance with the terms of your Account Agreement.
    3. CUT-OFF TIME
      Any transfer made after the cut-off time will be initiated the next Business Day.
      • Standard Transfers: 7:00 p.m. Eastern Time
      • Next Day Transfers: 7:00 p.m. Eastern Time
    4. MODIFYING OR CANCELING TRANSFERS Pending transfer instructions can be canceled or modified until the status changes to “In Process.” Instructions cannot be canceled or modified after the cut-off time for the transfer date.
    5. TRANSFER FEES There is no fee to initiate Inbound Transfers or Outbound Transfers. We may change our fee schedule at any time. If we make a change, you will be notified in writing as required by applicable law. Cancellation of the services for which fees are charged does not release you from liability for any and all fees assessed by us but not yet paid prior to your cancellation.
    6. TRANSFER LIMITS Transfer limits are defined at enrollment to the Service. Daily and monthly dollar limits apply to the total of all transfers for all accounts linked to the user profile. Any transfer initiated on a day that is not a Business Day counts toward the applicable limit for the next Business Day. A transfer remains “In Process” until fully processed. It will appear as “In Process” on your Transfer Activity page within Online Banking. Standard transfers typically remain “In Process” until the close of the third Business Day after the transfer is initiated. We may change your transfer limits at any time. Any decrease will be subject to notice, if required by law. But you agree that we may reduce your limits without prior notice upon occurrence of a Disqualifying Event, including:
      • Any of your accounts with Capital One are not current or are not in good standing;
      • You have had an overdraft, an over-limit item, or an item returned for insufficient funds with respect to any Capital One account during the current or three prior calendar months; or
      • You have had any prior transfer to or from a non-Capital One account canceled, revoked, or not completed due to insufficient funds, revoked authorization, stopped payments, frozen account, or any similar reason.
    7. STATUS EMAIL Capital One will periodically send messages to your primary email address during the external funds transfer process. These messages will provide information pertaining to the trial deposit process, confirm account linkages, and contain status updates for transfers in progress. You are responsible for updating the email address should it change.
    1. WHEN USING THE SERVICES TO ACCESS YOUR BANK ACCOUNT Online payments include (a) payments where the Payment Account is a Capital One account (“Outgoing Payments”), including any payment that you schedule through our Online Bill Pay service; (b) payments to Capital One accounts (“Incoming Payments”); and (c) Funds Transfers to eligible loan or line of credit accounts. Funds Transfers are covered by the “Funds Transfers” section above and any other provisions governing Funds Transfers in this Agreement.
      1. Online Bill Pay Authorization Online Bill Pay payments and any other bill payments permitted by the Services are debited from your Payment Account. By signing the bill payment instructions, you authorize Capital One, or our service providers, to debit (or if the Payment Account is with another financial institution, request that such institution debit) your Payment Account, and to remit (or request that such financial institution remit) funds on your behalf. We will perform the Service so that funds arrive at the designated Biller’s location as near as reasonably possible to the Scheduled Deliver By date you designate. You also authorize us to credit your Online Bill Payment Account for payments returned to us by the United States Postal Service or any Biller, or for payments remitted to you on behalf of another Authorized Person of the Service.
      2. Online Bill Pay Account Activity You should keep your Payment Accounts open and active. Should your eligible checking accounts close, Online Bill Pay services will end. Any unprocessed Outgoing Payment transactions will be canceled. Cancellation of Online Bill Payment transactions may take up to 5 Business Days from the processing date of a payment scheduled from your closed checking account. If you close your Payment Account, we will not process any Incoming Payments. Outgoing Payments scheduled through Online Bill Payment from a closed Payment Account may be processed, depending on the Scheduled Due date. For Incoming Payments where your Payment Account is not a Capital One account, additional terms and conditions established by the other financial institution may apply. For all Outgoing Payments and Incoming Payments that you schedule through the Services, you understand and agree that it is your responsibility to authorize payments so that the bills will be paid by the Due Date. You understand and agree that we reserve the right to impose a frequency or dollar limit on payment requests or to refuse to make any payment you have requested. We will attempt to notify you promptly if we decide to refuse to complete any Payment Instruction.
      1. Make Instructions and Changes with Time to Spare You understand and agree that to be processed in accordance with your instructions, payment instructions and any changes to these instructions through Online Banking must comply with the payment rules disclosed when you make a payment. These payment rules are considered part of this Agreement.
      2. If You Close Your Payment Account or Capital One Credit Card If you close your Payment Account, any payments scheduled to be deducted will not be processed. If you do not make other arrangements, you will be solely responsible for any fees incurred for late or non-payment as a result.
      1. Make Instructions and Changes with Time to Spare You understand and agree that Payment Instructions and any changes to these instructions through Online Banking must comply with the payment rules disclosed when you make a payment. These payment rules are considered part of this Agreement. Please note: You can stop payment of any entry by notifying Capital One Auto Finance in accordance with the cancellation terms in your payment-confirmation communication.
      2. If You Close Your Payment Account If you close your Payment Account with Capital One, any payments scheduled to be deducted from that Payment Account will not be processed. If you do not make alternative arrangements, you will be solely responsible for any fees incurred for late or non-payment as a result.
      1. Overview of Paze Paze is a digital wallet that stores information about you and your eligible credit and debit cards from Capital One, and from other participating financial institutions, for faster online checkouts. Paze is a Service subject to this Agreement.
      2. Cards in Your Wallet We will determine which cards are eligible for Paze in our sole discretion. You can see which of your cards are eligible at a given time in the Capital One mobile app or website. Eligible cards may be added to Paze by Capital One and you can choose to remove them at any time. When a card is added, Paze will exchange your actual card number for a unique token. By using Paze, you are requesting Capital One to create a unique token for each of your eligible cards to share with merchants. If we send you a card with a new number, your Paze token(s) will continue to work. We may remove cards from Paze if they no longer meet our eligibility criteria.
      3. Using Paze to Checkout Online The Capital One cards in your Paze wallet will be associated with the email address(es) you have on file with us and any additional email addresses you provide for use with Paze. Paze will use the email address you provide, either to the merchant or directly to Paze, to allow you to access your Paze wallet. To authenticate you, i.e., prove that you are who you say you are, Paze will send a text message with a unique code to your mobile phone number. Paze may collect other information for fraud-prevention purposes, including information about your cards and the device you are using. Once you’ve passed all applicable security checks, you’ll direct Paze to share your personal information and card details, including your unique Paze token, with the merchant. Transactions made using Paze will be subject to your credit card or debit card terms.
      4. Returns Keep your merchant-provided receipts for all Paze transactions. If you want to return a purchase made with Paze, the merchant will only have the Paze token you used to make the purchase and not your actual card number. So if you try to return a purchase using your actual card number, it might not work.
      5. Opting Out You can opt-out of Paze by visiting https://mywallet.paze.com/. When you opt-out, all of your cards will be removed from Paze, new cards will not be added to Paze, and you will not be prompted to use Paze at participating merchants. After opting out, you may not be able to add your eligible cards back into Paze for a period of time.
      6. Relationship to Early Warning Services, LLC and to Merchants Paze is delivered by Early Warning Services, LLC (EWS) on behalf of Capital One and other participating financial institutions. EWS may require that you agree to additional terms and conditions before using Paze. If you have questions about transactions on your account that were made using Paze, please contact Capital One by calling the number on the back of your card. See Section 17 for details about Your Responsibilities and Liabilities for unauthorized transactions. Each purchase you make using Paze is between you and the merchant. The merchant’s terms and conditions control that transaction. Paze helps you make purchases online. But this doesn’t mean that we trust or guarantee anything about any merchant. We can’t guarantee that any merchant is reputable or that the merchant will securely process the transaction. The collection, use, storage, and protection of data you provide to merchants, when using Paze, is subject to the merchant’s terms and conditions and privacy practices. If you choose to save your card and other information on file with a merchant when using Paze to checkout, merchants may work with Paze to exchange your token for another token for recurring use.
      7. Security & Confidentiality of Access Information To the fullest extent permitted by law, you are responsible for any use of Paze, including activities of those you authorize to use your account or device. While we use security protocols to detect fraud, we can’t catch everything. If someone has access to your device or your Capital One account information, they could access Paze to initiate transactions. If you share access to your device or your Capital One information, you increase the risk of fraud. You should notify us as soon as possible of any unauthorized use of Paze on your account. Capital One reserves the right to deactivate some or all of your Paze tokens at any time if we believe the security of your Accounts or Paze wallet has been compromised. EWS may also deactivate your Paze wallet at any time if they believe the security of your Paze wallet has been compromised.
      8. Limitations on Use To use Paze, you must: (1) have an active credit or debit card account that is eligible for Paze; (2) be enrolled in Capital One Online Banking with your credit or debit card account; (3) be 18 years of age or older; and (4) be a legal resident of the United States. Paze may require periodic updates, as well as updates to the device that it’s running on (for security or other reasons, like a browser upgrade). Please note that Paze might not be available in languages other than English. Your use of Paze may be subject to limitations, such as limits on the dollar amount or number of transactions in a specific time period. We also reserve the right to restrict your access to Paze or some or all of the Paze features without prior notice to you. We may also decline to process your transaction using Paze for risk management purposes.
      9. Things You Can’t Do You agree not to use Paze for anything other than making authorized transactions. For example, you won’t:
        • decompile, reverse engineer, or otherwise access or attempt to access the source code for Paze;
        • use any automated system (e.g., robot, bot, screenscraper) to access Paze;
        • use Paze in a destructive way, such as transmitting viruses or exploiting bugs;
        • access Capital One’s services or systems other than as permitted by this Agreement;
        • use Paze for anything illegal; or
        • provide us with fake or incorrect information about you or your account.
      • Sign into your online banking account, select the applicable account, and click;
        • “I want to” from the toolbar,
        • “Documents and Downloads,”
        • “Managing Paperless”
        1. WHEN USING THE SERVICES TO ACCESS YOUR BANK ACCOUNT When you use any payment or funds transfer service through the Services, you warrant that you are an authorized user on the account from which the funds are drawn. We, or a third party acting as our agent, will use reasonable efforts to timely and properly complete funds transfers and bill payments from your designated checking, savings or other deposit account or line of credit accounts according to your instructions. However, neither we nor any Service Provider will be liable in any way for any failure or delay in completing any such transaction (whether an Outgoing Payment, Incoming Payment or funds transfer), if the conditions under Section 13(D) of this Agreement occur. :
        2. WHEN USING THE SERVICES TO ACCESS YOUR CREDIT CARD ACCOUNT When you use any payment service through the Services, you warrant that you are an authorized user on the account from which the funds are drawn. We, or a third party acting as our agent, will use reasonable efforts to timely and properly complete payments from your Card Accounts according to your instructions. However, neither we nor any Service Provider will be liable in any way for any failure or delay in completing any such transaction (whether an Outgoing Payment, Incoming Payment or funds transfer), if the conditions under Section 13(D) of this Agreement occur.
        3. WHEN USING THE SERVICE TO ACCESS YOUR AUTO LOAN ACCOUNT When you use any payment service through the Services, you warrant that you are an authorized user on the account from which the funds are drawn. We, or a third party acting as our agent, will use reasonable efforts to timely and properly complete payments from your Payment Accounts according to your instructions. However, neither we nor any Service Provider will be liable in any way for any failure or delay in completing any such transaction (whether an Outgoing Payment, Incoming Payment or funds transfer), if the conditions under Section 13(D) of this Agreement occur.
        4. LIMITED LIABILITIES FOR CERTAIN PAYMENTS AND FUND TRANSFERS Neither we nor any Service Provider will be liable in any way for any failure or delay in completing any such transaction (whether an Outgoing Payment, Incoming Payment or funds transfer), if:
          • Through no fault of our own or of our agent, you do not have enough money in a designated checking, savings, or other deposit account, that account has been closed, or the transaction would exceed the credit limit on any applicable overdraft line of credit;
          • Our payment processing center is not working properly and you knew or were told about the malfunction before you executed your bill payment instructions;
          • You have not properly followed instructions on how to make a funds transfer;
          • You do not provide us with complete, correct and current Payment Account or Biller information or instructions;
          • You do not authorize a bill payment or transfer in time for your payment to be credited by the Biller by the Due Date;
          • A timely bill payment is made but the Biller nevertheless does not credit your payment promptly after receipt;
          • Withdrawals from any accounts have been prohibited by a court order such as a garnishment or other legal process;
          • We or our agent reasonably believe that a transaction may be unauthorized;
          • Your computer or any related system was not working properly and it interfered with your attempt to authorize a funds transfer or bill payment;
          • Circumstances beyond our or our agents’ control prevent making a funds transfer or bill payment. Such circumstances include but are not limited to computer failure, telecommunication outages, postal strikes and other labor unrest, delays caused by Billers, fires, floods, and other natural disasters, terrorist acts or war; or
          • Any other set of circumstances as set forth in this or any Additional Agreements.
        1. WHEN USING THE SERVICES TO ACCESS YOUR BANK ACCOUNT If you close any Payment Account you must notify us and identify a new Payment Account for the selected Services. If you close all your accounts with us, you agree to notify us to cancel your Services.
          1. Unauthorized Transactions We will send you periodic statements for your accounts with the regularity provided for in your account agreements. You are extremely important in preventing any wrongful use of your accounts. You must carefully examine your statement upon receipt. Tell us AT ONCE if you suspect that an unauthorized transaction has been or may be made from your account; if you believe another person has improperly obtained your online passwords or has transferred or may transfer money from your accounts without authorization; or if you suspect fraudulent activity on your accounts. You can call Customer Service at 1-877-383-4802 any day between the hours of 8:00 a.m. and 11:00 p.m. ET. You can write to us at Capital One, N.A., 7933 Preston Rd., Plano, TX 75024, or log into your account at capitalone.com and click on the transaction. Telephoning us right away will help reduce possible losses. If we aren’t timely notified, you could lose all the money in your checking, savings or other deposit accounts plus the maximum amount of credit available from your revolving line of credit account if it is used as overdraft protection. To the extent a transaction is an electronic fund transfer from a Personal Account, the following rules apply: You can lose no more than $50 in connection with an unauthorized transfer resulting from the loss or theft of your Access Information if you notify us within 2 Business Days of learning of the loss or theft of your Access Information. However, you can lose as much as $500 in connection with an unauthorized transfer resulting from the loss or theft of your Access Information if you do not notify us within 2 Business Days of learning of the loss or theft of your Access Information and we can prove that we could have stopped the unauthorized transfer had we been notified. If you do not report unauthorized transactions that appear on any of your periodic statements within 60 days after such statements are mailed or electronically transmitted to you, you risk unlimited losses on transactions made after the 60 day period if we can prove that we could have stopped the unauthorized use if you had notified us in time. If a good reason, such as a long trip or hospital stay, kept you from telling us, we may extend the time periods. You agree to assist us in our efforts to recover any funds that were transferred or paid without your permission.
          1. Unauthorized Transactions We will send you periodic statements for your accounts with the regularity provided for in your account agreements. You are extremely important in preventing any wrongful use of your accounts. You must carefully examine your statement upon receipt. Tell us AT ONCE if you suspect that an unauthorized transaction has been or may be made from your account; if you believe another person has improperly obtained your online passwords; or if you suspect fraudulent activity on your accounts. You can contact us as specified on our Contact Us page. You agree to assist us in our efforts to recover any funds that were transferred or paid without your permission. For more information on your rights and responsibilities for unauthorized transactions, please review your account agreement.
          1. Unauthorized Transactions We will send you periodic statements for your accounts with the regularity provided for in your account agreements. You are extremely important in preventing any wrongful use of your accounts. You must carefully examine your statement upon receipt. Tell us AT ONCE if you suspect that an unauthorized transaction has been or may be conducted from your accounts; if you believe another person has improperly obtained your online passwords, Password/PIN or has transferred or may transfer money from your accounts without authorization; or if you suspect fraudulent activity on your accounts. Call at 1-800-946-0332 anytime, 24 hours a day, 7 days a week. A representative is available between the hours of 7:00 a.m. and 8:00 p.m. CT Monday through Friday. Or write to:
            Capital One Auto Finance, ATTN: Customer Advocacy Team, 7933 Preston Rd., Plano, TX, 75024, or send us a secure message; or visit https://www.capitalone.com/help-center/contact-us/.
          1. WHEN USING THE SERVICES TO ACCESS YOUR BANK ACCOUNT In case of questions or errors about funds transfers or bill payments made through the Services, you must do one of the following: Call us at 1-877-383-4802. Write to us at:
            Capital One, N.A.
            7933 Preston Rd.
            Plano, TX 75024
            Attn: Customer Service Center Or log into your account at capitalone.com and click on the transaction. With respect to any statements you receive from us that reflect transactions you performed while using the Services, if you think your statement is wrong or if you need more information about a transaction listed on the statement, we must hear from you no later than 60 days after we sent the FIRST paper or online statement on which the problem or error appeared. When you report an error we will ask you to: If you tell us verbally, we may require that you send us your complaint or question in writing within 10 Business Days. We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Account within 10 Business Days for the amount you think is in error, so that you will have the use of the money while we complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your Account. If the error occurred within 30 days after the first deposit to your Account, we may take up to 90 days to investigate your complaint or question, and we may take up to 20 Business Days to credit your Account for the amount you think is in error. We will tell you the results within 3 Business Days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. In our investigation of any bill payment transactions, we will request from the Biller a refund of any interest and/or fees which you may have been wrongly assessed, provided that we will have no obligation to further pursue such request if the Biller denies such request. You will be notified of the final resolution.
            1. Tell us your name and Account number.
            2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
            3. To the extent possible, tell us the dollar amount of the suspected error.