If we choose to pay a transaction into overdraft, you must make a deposit into your account to cover the overdrawn amount. If we decide not to restrict the account, all joint owners remain responsible for items subtracted from the account. 1680 Capital One Dr McLean, VA 22102-3491 By providing us with names and account information of Billers to whom you wish to direct payments, you authorize us to follow your Payment Instructions. There are insufficient funds in your account to complete the transaction through no fault of ours; The funds in your account are not yet available for withdrawal; The funds in your account are subject to legal process; We did not receive a direct deposit instruction; The failure is due to an equipment breakdown that you knew about before you began a transaction; The failure was caused by an Act of God, fire or other catastrophe, or any other cause beyond our control despite reasonable precautions that we have taken; Your Password/PIN has been reported lost or stolen and you are using the reported/suspended Password/PIN; We have reason to believe that the transaction requested is unauthorized; You attempt to complete a transaction which is not a permissible transaction listed above; You did not provide us with the correct account information for those accounts to which you wished to direct a transfer; The transfer would exceed your established credit limit, if applicable; or. If all of your accounts become dormant, you may no longer receive paper statements, but you can still view your accounts online. We may also limit the amount you can send and where we will allow you to send the wire. But the next thing you know you see a message saying that you have hit your limit and you can only send $300 today and $700 tomorrow. Except as otherwise provided by applicable law, the maximum period for which we shall be liable for interest on any amount to be refunded or paid to you with respect to an unauthorized, erroneous, or other Wire Transfer Request is thirty days. Call 1-877-514-2265 WHAT OUR CUSTOMERS ARE SAYING "If you do ever have an issue.customer service is always there at the touch of a button, willing to do whatever it takes to take care of your financial needs." Luke K., Tennessee, Illinois LOCATIONS You may withdraw all or part of the account balance, close the account, remove or add POD beneficiaries or change the account type or ownership. You must discuss and resolve any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail directly with your Biller. Pleasantly surprised!! Please understand that Billers and/or the US Postal Service may return payments to us for various reasons such as expired addresses, invalid account numbers, the inability of the Biller to locate your account; or your account being paid in full. Rejection of a Wire Transfer:We have no responsibility to accept any incoming Wire Transfer(s) for your benefit. The Service will attempt to research and correct the returned payment and return it to your Biller, or void the payment and credit your Payment Account. If you give us Payment Instructions on a non-business day, the earliest Send On Date you can select will be the next business day. The Zelle instant payment service was launched in June 2017. If you are using Zelle through your mobile banking app, please contact your bank or credit union to cancel your Zelle service. While your electronic bill feature is being activated its your responsibility to keep your account current. As required by applicable law, we will notify you promptly if we decide to refuse to pay a Biller designated by you as set forth in Prohibited Payments section or Exceptions Payments section of this Agreement. You need to read this agreement and hold onto it in case you have any questions down the road. If you dont receive notification, its your responsibility to periodically logon to Bill Pay and check for the delivery of new electronic bills. The Malaysian financial services space is undergoing an interesting phase in its evolution, shifting consumer behaviors and entrants of new players are giving incumbent banks reasons to rethink . Here are two examples of when this could happen: In either case, you still wont be charged a fee. Here's an example of how we count deposits: If you open your checking account in February and want us to consider covering overdrafts in April, then you would need to deposit at least $250 or more in February AND in March. You can choose to be a paperless Customer. If a check or other deposit is returned to us unpaid or is otherwise charged back to us, we will deduct the amount of the check/deposit from your account. 1 Log into the National Capital Bank app. Choosing this option authorizes us to automatically transfer available funds from the savings account you select to cover transactions that would otherwise take your checking account available balance below $0.00. Except as otherwise provided herein, if you think a Wire Transfer is wrong or if you need more information about a Wire Transfer, you must contact us in writing upon discovery of the error or within fourteen (14) days from the date your statement is postmarked or otherwise made available to you, whichever is earlier. Method Used to Execute the Wire Transfer:We may select any means for the transmission of funds that we consider suitable, including but not limited to Fedwire. When depositing cash at an ATM there is no daily cash deposit limit up to our $5 million total deposit limit. This notification is not required if you attempt to make a prohibited payment or an Exception Payment. We may also require you to present your request in writing within fourteen (14) days. In this instance, you must notify Capital One immediately and, after presenting an Affidavit, the funds will be replenished on day 95 after the cashiers check was ordered. Well start processing a payment that you schedule through Bill Pay ("Scheduled Payment") and take the payment amount out of your account on the date that you select ("Send On Date"). We reserve the right to refuse payment to any Biller to which you may direct a payment. 18001 0800 9525066. Maintaining a negative balance in your account for 56 consecutive calendar days will result in account closure and this could affect your ability to open new accounts with us or other banks in the future. You agree that we may monitor or record any conversation or other communication with you. New accounts will not have access to No-Fee Overdraft until the consistent deposit requirement has been met. When deciding to pay transactions that cause an overdraft, we consider a variety of factors, including the amount of the transaction and/or your history with us, including whether youve previously had too many overdrafts on your account(s). Under this option, we'll generally decline all transactions that would take your account into overdraft. DEATH, INCAPACITY OR TERMINATION: If you die or are declared legally incompetent, or, in the case of a living trust account, the living trust is terminated, we can continue to accept deposits and collect items deposited to your account, as well as continue to accept transaction instructions for your account until we know of your death or adjudication of incompetency and have a reasonable opportunity to act. Add your contacts Millions of people are already using Zellemake sure you add your contacts using the Address Book feature. Box 30285 Salt Lake City, UT 84130-0287 At a branch: Lastly, you could visit your nearest Capital One branch and talk to a customer care agent in person. You can lower your withdrawal limit by calling us at. You may choose one of your Simply Checking accounts as your default account. See your Simply Checking Agreement for a more complete description of some of these services. This means that we don't act as your trustee or financial advisor, and we don't assume any responsibility for your account beyond reasonable care. We are not a party to such terms. You'll be asked details like the amount to be sent and the recipient's info. If you write a check in an amount that exceeds your available balance plus any available overdraft protection amount at the time the check is presented to us for payment, we'll return the check. You can cancel or edit any Scheduled Payment (including recurring payments) free of charge by following the directions on the website. However, you agree that we won't be responsible for any interruption in service or loss caused by an event that is beyond our control, including, but not limited to, natural disasters, wars, riots, strikes, computer failure, terrorist act or loss of power, communication, or transportation facilities. You further agree that we may pay such monies to the appropriate legal, regulatory, or governmental authority, if and when required by law. CHANGE/WAIVER OF TERMS: We may change the Agreement, add new provisions, and/or delete provisions at any time. Those who have met the consistent deposit requirement (deposit at least $250 into your checking account in 2 out of the 3 previous calendar months) will have access to the No-Fee Overdraft service. All returned foreign checks will be charged back to your account at the rate used when initially credited and may be subject to a foreign bank charge (if applicable). Debit transactions include your checks, Automated Clearinghouse (ACH) transactions, bill payments, regularly scheduled repeating payments (like your mortgage or car payment) and other withdrawals you make. . The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. If you have signed up for email communications and provided us with your email address, an email alert will be sent when a transaction is authorized that will take the checking account available balance below $0 and will be covered by funds in the linked savings or money market account. 18001 0344 481 8852. We may change the amount of the charge at any time. M-134061 When using or enrolling with Zelle within your financial institution's mobile app or online banking service, your bank or credit union will assist you with any issues you may be experiencing. The end of the business day is referred to as the "deposit cutoff time". Your Statement will be made available to you based on your selected delivery method. However, we shall have no liability if such cancellation or amendment is not affected. If you have visited our website in search of information on employment opportunities or to apply for a position and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com.All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodation. Direct deposit of federal government payroll, disability, veteran's benefits, Social Security and such other federal government payments that you may receive and that may be deposited to your account, when available. Additional services may be provided in the future as they are developed. YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS THE BANK AND ANY OF OUR THIRD PARTY PROVIDERS WHO PERFORM ACCOUNT RELATED SERVICES FOR YOU ON OUR BEHALF FROM ANY AND ALL CLAIMS AND LIABILITY ARISING FROM (i) YOUR USE OR INABILITY TO USE BILL PAY; AND (ii) ANY PAYMENTS INITIATED BY YOU THAT AREN'T COMPLETED DUE TO LACK OF FUNDS IN YOUR ACCOUNT(S). You agree that we may contact you at any telephone number (including a mobile telephone number that you provide us) and use an automated telephone dialing system or similar device to do so. The time for notification may vary from Biller to Biller. Zelle FAQs 1. Upon your request, you will be informed whether or not a consumer (credit) report was requested, and if such report was requested, informed of the name and address of the consumer (credit) reporting agency that furnished the report. What happens if you missed the deposit requirement in April? To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone number listed on the back of your Bank of America credit card. 3 Enroll your U.S. mobile number or email address. We may refuse to pay an overdraft transaction at any time, even though we may have previously paid overdrafts. In order to process payments more efficiently and effectively, we may edit or alter payment data or data formats in accordance with instructions we receive from your Billers. Dont worry though we will bear responsibility for any late payment related charges, which have not been waived by the Biller, up to $100.00 should a payment post after its Due Date, provided: you scheduled an Online Bill Payment with a Scheduled Deliver By date in accordance with the section under this Agreement titled "Payment Scheduling"; none of the exceptions set forth in the section titled "Our Responsibility for Payment and Funds Transfers" of this Agreement exist; the payment is not an Exception Payment; and you otherwise comply with this Agreement. This is the default option that comes with your account. We may close your checking account at any time and for any reason. They dont affect the meaning of anything in the Agreement. We reserve the right, at our sole discretion and without notice, to refuse to make a withdrawal or transfer for security, credit, legal/regulatory or other reasons, and to refuse to honor withdrawal or transfer requests that appear to be fraudulent or erroneous. Via mail: You can also contact them via mail at: Capital One Attn: General Correspondence P.O. Using Zelle is: FAST Send money directly 288. Or sometimes we authorize a debit card purchase when you have funds in your account, but if the merchant does not submit it for payment right away, another transaction could come in first (while the original debit card purchase transaction is still pending). You may log in to the Online Banking site to view your individual transaction limits. This could affect your ability to open accounts in the future. Presentation of electronic bills You will receive electronic bills from a Biller only if both: (a) you have designated it in the Service as one of your Billers, and (b) the Biller has arranged with our Service Provider to deliver electronic bills. All products are subject to abandoned property laws, including IRAs and CDs. This service will automatically terminate if the savings or money market account or the checking account is closed, and your overdraft option will default to Auto-Decline. It is critical that you select a Send On Date with a Deliver By Date no later than the due date required by your Biller for the payment ("Due Date"). If you have 6 or more withdrawals of any kind from your linked savings or money market account within a given month, we'll stop transferring funds to cover overdrafts for the remainder of the month, and we'll generally decline transactions that take your checking account available balance below $0. By providing us with such information, you authorize us to use the information to obtain your bill data. The Wire Transfer Service and these terms and conditions shall be governed by the internal laws of the State of Virginia without regard to its conflicts of rules and the laws of the United States. We will not be liable to you for refusing a deposit, even if it causes us to decline any transactions you have already made. Capital One Zelle fraud class action: Who: A customer sued Capital One, claiming the bank didn't disclose the security risks of using money transfer service Zelle. Its your sole responsibility to ensure that your email address on file is correct. Extended Negative Balance:If you have multiple instances of extended overdrafts, we may temporarily suspend your use of the service. We reserve the right to refuse to pay any Biller to whom you may direct a payment. If you're struggling with payments and need help. You understand that, except as specifically modified by this Agreement, your account(s) will continue to be governed by the terms and conditions contained in other agreements and/or disclosures that you have been provided with in connection with your account(s), which are incorporated herein by reference. This Agreement and the terms of the Account Agreement(s) related to your deposit accounts, which are incorporated herein by reference, constitute the entire Agreement between you and us regarding your use of the Wire Transfer Service. If you, or your authorized representative, breach any such laws or regulations, you irrevocably agree that we may retain any monies or funds transmitted to us pursuant to this Agreement and/or not fulfill any Wire Transfer Request if we are required to take or refrain from such action by any legal, regulatory, or governmental authority or if we reasonably believe that such action may violate any laws or regulations described herein, and such monies shall not bear interest against us. - Get answers from Eno, your Capital One assistant Download the app for better banking with Capital One. These eligibility changes will go into effect on the 5th day of the next month. and loan prospects to request payment deferral by way of a form on the financial institution web site or by calling its customer support line. Even if you elected to receive electronic communications from us, there may still be some legal information that we need to send you via the USPS. OUR RESPONSIBILITY: If we dont complete a payment or transfer on time, according to your properly transmitted instructions, we may be liable for your losses or damages. If one joint owner requests that we not pay items authorized by a different joint owner, we may restrict the account and refuse to pay all items (including items authorized by the owner making the request), but we are not required to do so. If we do that, we will reverse the amount added to your account and send it to you via check or your external linked account. The purpose of this disclosure statement is to inform you of your rights under the Electronic Fund Transfer Act. You can also choose to include ATM withdrawals and one-time debit card purchases. Keep in mind that certain features, information, types of transactions, or other services may not be available for all of your connected accounts. Activation When the electronic bill feature is activated we may notify the Biller of your request to receive electronic billing information. If we require your written confirmation and we do not receive your complaint or question in writing within ten (10) business days, we may not credit your account. Checks deposited using this service will generally be available on the first business day after the deposited date, but we can place an extended hold on your deposited funds as described in our Availability Timelines. This will be reflected on your account transaction history. Once weve begun processing a payment, though, it cant be cancelled or edited and youll have to make a stop payment request. We don't charge you for using your card at our ATMs, but if you use it at a non-Capital One ATM, there's a $2.00 per transaction fee, except for balance inquiries, which are free. Add Capital One Shopping Financial Wellness Put CreditWise in your pocket Get help building your credit score and financial future with our free app. After all of those instructions have been processed, we'll then process all "Bill Pay" instructions scheduled for that business day. As long as you maintain your unique log in credentials, you will have access to view all of your individual accounts and shared accounts. NO FIDUCIARY OBLIGATION: Capital One doesn't assume any fiduciary obligation on your behalf. All Scheduled Payments, including recurring payments, will not be processed once your account is closed. boxes; (iii) make a payment to another person using the Send Money with Zelle feature; (iv) transfer money to or from your own accounts at Capital One or other financial institutions; and (v) send an outgoing domestic wire. ELIGIBLE CUSTOMERS: Simply Checking is available to United States citizens or lawful permanent residents with a U.S. physical address or with military addresses (APO or FPO), who are at least 18 years old with a valid Social Security number, and with a US-based mobile phone number. Each time you use your ATM/debit card, we may place a hold on a corresponding amount of funds in your account. For example, if you deposit a check on Monday, you may not be able to withdraw the funds from that check, and we may not pay another check with those funds, until Tuesday or even later. bunnywinkles 2 yr. ago. In any case, we shall only be liable for actual proven damages if the failure to make the transaction resulted from a bona fide error despite our procedures to avoid such errors. Now, heres the REALLY interesting stuff You can use your Simply Checking account to instruct us, subject to the terms below, to, on your behalf, (i) pay bills; (ii) mail a cashier's check to any person or business in the U.S. except military addresses or P.O. There's no cost to enroll in this service, and we don't charge you when you use it. We or our Service Provider also reserve the right to select the method in which to remit funds on your behalf through the Service, and, in the event that your Payment Account is closed or otherwise unavailable to us, the method to return funds to you. We may assess fees, for which you shall be liable, in the event we provide to you, upon your request, any one or more of the following additional services, or other additional services for which fees are charged: 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 of such service. Sometimes legal, regulatory, or governmental authorities require additional information, either in respect of individuals, entities, or particular transactions. The ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. JURY TRIAL WAIVER: All actions arising out of this agreement or concerning your checking account shall be heard by a judge sitting without a jury. Call us any day of the week from 8 a.m. to 11 p.m. EST. The total daily limit when depositing checks at an ATM is $999,999.99. Financial goals. This involves sending the member a text containing the details of a Zelle transfer - payee and dollar. To get any other information or conduct any activity on these account types, you must access the specific account servicing area for that account. That's great because you can use it to (i) withdraw money at automated teller machines ("ATMs"); (ii) deposit cash or checks at a Capital One ATM that accepts Capital One deposits; and (iii) make POS purchases (including "cash back" transactions where a merchant gives you cash from your checking account). Details: When I called Cash App's customer service number, an automated voice said: "To contact a Cash . ^SW. You would, however, need to deposit at least $250 in May for us to consider paying overdrafts in June. You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service, regardless of the purpose of the use, and for all communications you send through the Service. Then when that debit card transaction comes in for payment there are no longer enough funds in your account to cover it and the payment makes your balance negative. We have no obligation to research or resolve any claim resulting from your scheduling one of these types of payments. Were not responsible for presenting any electronic bills that are already in process at the time of cancellation. However, many important bank documents, and some products and services related to this account, are provided only in English. By calling the customer support number at 844-428-8542. FOR YOUR PROTECTION AND OUR PROTECTION: You authorize us to follow any instructions you give to us. This means that some transactions may take longer than normal to be credited to your account with a Biller. If your statement shows transfers that you did not make and you do NOT contact us within sixty (60) days after the statement was made available to you, you may not get back any money lost after the sixty (60) days if we can prove that your contacting us would have prevented those losses. You have the option of selecting from which one of your deposit accounts the Service will withdraw funds for bill payments. If any inconsistency exists between the account disclosure statements and agreement(s) and this Agreement, then the terms of this Agreement shall control. Financial Center & Walk-Up ATM. Please understand that when you submit an application, open an account, or use our services, you agree to be bound by these terms. Checks you deposit must be payable to you or to the living trust (in the case of a trust account). Liability of Capital One:We shall be responsible only for performing the Wire 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 we are not going to make all of the funds from your deposit available to you as described above, we will notify you at the time you make your deposit. You agree to reimburse us for any damages, losses, liabilities and expenses (including, but not limited to, the reasonable costs of an attorney) that we incur in connection with your account if we take an action in accordance with your or what purports to be your oral, written or electronic instructions. The "Send Money with Zelle" (person-to-person transfers) transactions are subject to limits on the amount and frequency of transfers to and from your account. We want you to keep your money, not the state! You agree to notify us within 60 days if you think theres an error or unauthorized transaction shown on your Statement. You can make current, future, one-time, and recurring bill payments to Billers. Exception Payments may be scheduled through the Service, but Exception Payments are discouraged and must be scheduled at your own risk. In some instances, you will receive a return notice from us. A customer of Capital One who claims he was the victim of a Zelle scam earlier this month filed a class action complaint against the bank, saying that it refuses to refund account holders who are defrauded or exposed to fraud on Zelle. There are limits on the amount of money you can send or receive through our Service. I exhibit strong investigative and analytical skills, detail oriented and I excel in a . Through no fault of ours, there are not available sufficient funds in your account plus any available overdraft protection amount; Bill Pay is not working properly and you know or weve told you about the problem before you try to give us Payment Instructions; You havent given us the correct name, address, phone number, or account number for the Biller; and/or. Stop by the Capital branch that works best for you and we can help you with all of these and more: Cashiers Checks Direct Deposit Your agreement to indemnify us and hold us harmless shall survive the expiration and/or termination of this Agreement and all provisions contained herein. EVENTS BEYOND OUR CONTROL: We'll make all reasonable efforts to give you access to your accounts and current and complete account information. Any one "Cashier's Check" transaction cannot exceed $250,000. Calls are accepted 7 days a week (excluding Thanksgiving, Christmas Day, and New Year's Day), from 10 AM - 10 PM. You shall similarly exercise good faith and reasonable care in observing and maintaining security procedures, in communicating Wire Transfer Requests to us, and in reviewing periodic bank statements for any discrepancies. There is no limit on the amount of an individual check up to this amount. If a foreign transaction is in a foreign currency, it will be posted to your account in U.S. dollars. Scheduled Payment Dates must be prior to any late date or grace period. We're also not required to confirm the actual identity or authority of anyone who uses your Password or a personal identification number ("PIN") or any account access device we gave you (like the Card) (collectively, "E-Identification"). Acceptance and Execution of Request by Capital One:A Wire Transfer Request is considered accepted by us when we execute it. We reserve the right to refuse to pay any Biller. Youre responsible for ensuring timely payment of all bills. If any provision of this Agreement is determined by a court or administrative agency having proper jurisdiction to be invalid, unenforceable, or illegal, that determination will not affect the validity and enforceability of the remaining provisions of this Agreement. 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