Speak to an Associate at 1-80 from 8 AM to 8 PM, 7 days a week.Call our Interactive Phone Service with 24/7 access at 1-88.If there is activity on your account - in other words, a deposit or withdrawal - you'll get a statement each month. You'll automatically receive a statement every quarter.Members without deposit requirements will earn 0.50 APY on both savings and checking balances. Earn up to 4.50 APY on savings by meeting deposit requirements, and 0.50 APY on checking balances.

This offer is available until December 31, 2023.

Accounts opened online will automatically be set up to receive electronic statements. Get up to 250 with qualifying direct deposit.

Learn more about how to add a link by mail or online.

You may link up to 3 personal checking accounts.

Generally, banks do not charge for electronic funds transfers.

Although Capital One does not charge fees, we can't control the fees charged by your existing bank.Transfers to your checking account will generally be at your bank within 3 business days.Keep in mind, if you receive an account bonus, it may be reported to the IRS and/or your state as interest or miscellaneous income.All deposits are subject to a 4 business day hold before they can be withdrawn.Interest starts accruing on your deposit starting the next business day after we process your request.If you do not validate the link within 60 days Capital One may close the account, return the initial deposit including any interest earned to your linked account.The latest version of the Capital One app. If you choose to fund your account via a linked account, you (and your joint account holder if you have one) will not be able to make withdrawals from your Capital One Account until the link verification is complete. A Capital One eligible checking, savings, or money market account in good standing.Follow the prompts to complete the application. If you already have a Capital One login, use it to speed the process up. If this is a joint account and your joint account holder is on your external checking account, that person is also required to confirm the 1 or 2 small deposits. Go to the Capital One page for the banking product you’d like to sign up for.(You'll receive detailed steps on the final page of this account opening process.) You'll need to verify ownership of your external linked checking account by confirming one or two small amounts that we'll deposit in your account.If your check has the words 'Payable Through' with another bank name listed near the memo field, it can't be linked.We don't accept brokerage, money market or savings accounts (institutions put restrictions on these types of accounts that prevent electronic transfers).Account opening deposit must be from a personal checking account only.Account holders must be at least 18 years old or a joint holder with an adult.You must be a US citizen or permanent resident with a valid Social Security number.

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