C. Liability: If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your actual losses or damages. C. Online Banking External Funds Transfer Limitation: You may enroll in online banking to perform electronic transfers. If you make a claim, or if we suspect that your account may be compromised, we may recommend that you close the account. Substitute checks should only be generated by banks during the check collection process. Except as provided by applicable law, any losses resulting from an incorrect account number or your misidentification of the beneficiary/designated recipient is your responsibility and not ours. Capital One Bank may forward items to correspondent banks and will not be liable for the wrongful conduct of the correspondent bank. Acceptable categories of documents All identification must be current unless specified. If we mistakenly credit your account for funds to which you are not the rightful owner, we may deduct those funds from your account, even if this causes your account to be overdrawn. For equal deposit amounts, we'll debit the account that first received a deposit. If you write a post-dated check, we may pay it and charge it against your account, even if it is presented prior to the date of the check. You can avoid overdraft fees on your account by always making sure you have money in your account to cover all of the debits presented for payment against your account. In the event of such a reduction, your funds will be made available to you as described in the preceding sections of this disclosure. We will not pay withdrawals to third parties. 7933 Preston Rd. You hereby authorize us to comply with legal process, and we are not required to determine whether the court issuing the legal process had jurisdiction over you or over the account or otherwise had the authority to issue the legal process. The following section applies only to commercial accounts: If you are a business or other entity that is not a natural person, the above referenced procedures do not apply to any accounts held by you. Amendments and Fee Changes. Foreign checks are handled as collection items only and are converted at our current daily rate and credited in U.S. dollars. If you have a commercial account and you exceed the number of transactions permitted in a monthly service charge cycle more than once during any twelve-month period, you may be charged a fee for each transaction in excess of the number permitted (an “Excessive Transaction Fee”). A multiple-signature requirement is for your internal control purposes. There is a deadline for each type of Funds Transfer Request. Also, restaurants typically request authorization for 20% more than the price of the meal. It's easy to find out how to apply for a Capital One card and the response is fast. One Capital I. Different limits may be assigned to individual cards on a case-by-case basis. Death or Incompetence. Then, we process those debits within each category in a specific order such as by dollar amount. Tell us the dollar amount of the suspected error. For the purpose of determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. You understand the security procedures are not designed to detect errors in the content of the Funds Transfer Request or to prevent duplicate transfers. To get any other information or conduct any activity on these account types, you must access the specific account servicing area for that account. In this Agreement, “you,” “your,” and “yours” mean the authorized person or persons who conduct electronic fund transfers, including but not limited to persons to whom a Capital One Bank ATM or Debit Card is issued and anyone else you allow to use the ATM or Debit Card. For example, if a New York levy is properly served on us in New York, we may honor the New York levy even if your account was opened in Virginia. Likewise, we have a right to reject any Funds Transfer Request(s) for an outgoing Funds Transfer for reasons including, but not limited to, insufficient or uncollected funds in the account specified in the Funds Transfer Request, a request that fails the security procedures outlined in Section 4, our inability to execute the Funds Transfer for the reasons set out in the Section of this Agreement entitled Method Used to Make the Funds Transfer above, or if we are unable to verify the authenticity of the Funds Transfer Request. NOTE: Local badges will NOT be accepted as a valid form of ID during the DoD ID card issuance process. one document from Group 1; 2 further documents from either Group 1, or Group 2a or 2b; At least one of the documents must show the applicant’s current address. An employee must present a document or combination of documents from List A (which shows both identity and employment authorization) or one document from List B (which shows identity) and one document from List C (which shows employment authorization) or an acceptable receipt of those documents within three business days of the date work for pay begins. Wire Transfers, and electronic deposits (such as ACH credit transfer direct deposits) will be available on the day we receive the deposit. These transfers will not appear on your monthly statement and will not be subject to any fees. (If we are required to provide this notice, you may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.). Only original documents or copies certified by the issuing agency are acceptable. Substitute Checks and Your Rights. The limits listed below are default limits for our standard ATM/Debit Card products. For this reason, you should inquire about the merchant’s return or refund policy before entering into a purchase transaction. Date and time, if available. Your New Account. You agree to indemnify and hold us harmless from any and all liabilities, claims, damages, costs and expenses we may incur in attempting to cancel or amend the Funds Transfer. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. These limits do not apply to internal transfers between accounts opened in a Capital One Bank branch and accounts opened with Capital One Direct Banking accounts (both National Direct Bank [NDB] and 360 accounts), bill pay transfers, or pre-authorized third party payments. Such third parties shall be deemed your agents and we shall not be liable for any errors, delay, misdelivery, or failure of delivery by any of them unless applicable law says otherwise. It should be noted that any such company or employer may have their own form, so make sure to speak with the appropriate office there to make sure this form will satisfy the Payer’s … Please read the Deposit Availability Disclosure section of these Rules for more information on when we make funds available to you. Acceptable Identification Documents (at least one required) Note: Documents submitted must contain the applicant’s full legal name and date of birth and must be valid. If you do not, then your verbal request will expire after fourteen (14) days. This includes payment and reimbursement of fees we incur for collecting such amounts, including, without limitation, attorneys’ fees (including our in-house attorneys) and court costs. We generally charge a fee for each overdraft item, but the following exceptions apply: We will not charge a fee for one-time debit card transactions (such as a point of sale purchase at a store) and ATM transactions unless you opt into our optional overdraft service. These include payroll calculations and supporting documents. Claims Processing Center However, you have rights under other law with respect to those transactions. A. E. Other Reasons: We and other ATM owners and operators may limit or refuse to complete your ATM/Debit Card transactions for security or technical reasons. You shall bear all risk of loss due to fluctuation in the currency exchange rate. To the extent permitted by applicable law, you agree that if a check drawn against your account is presented over-the-counter for payment by a person who is not a deposit customer of Capital One Bank we may, in our sole discretion, refuse payment of the check or charge a fee for payment of the check. You authorize us to remove your payment and/or deposit from the envelope, count the funds and credit your account. You understand that unless we have complete and accurate information from you, we may be unable to identify the check for which a stop payment has been requested which will result in the check being paid. apply. Other ATM owners and operators may impose lower dollar limitations on the amount of cash withdrawals made at their ATMs. For example, your debit card transaction is paid when the merchant requests payment of a transaction that we previously authorized-which can be days after the authorization. If a Funds Transfer Request is received prior to the deadline, it will be executed by us that business day, provided we are able to validate your request that same business day as described in Section 4. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. Force Majeure: We will not be liable for our inability to perform our obligations under this Agreement when such inability arises out of causes beyond our control, including but not limited to, any act of God, accident, labor disputes, power failures, system failure, equipment malfunction, suspension of payment by another bank, refusal or delay by another bank to accept the funds transfer, war, emergency conditions, fire, earthquake or the failure of any third party to provide any electronic or telecommunication service used in connection with the execution or cancellation of a Funds Transfer. Keep in mind that certain features, information, types of transactions, or other services may not be available for all of your connected accounts. We do not charge a fee for this transaction because your account balance is positive. You are solely responsible for the security of your debit card pin, which should be held under the strictest confidence and not revealed to other persons. The following security procedures shall apply to this Agreement: Before accepting any such Funds Transfer Requests, we will: (1) perform verification on the individuals initiating the Funds Transfer Request that is designed to ensure they are the individuals previously authorized to initiate a Funds Transfer for the account in question; (2) apply fraud-related screens to the wire instructions; (3) contact you using information from your account records to verify the Funds Transfer for wires that are not initiated in person (this contact may be through a method different than the one you used to request the Funds Transfer (e.g., phone versus e-mail) or it may be through the same channel to obtain a password or other information that only you should have); and (4) request and receive any other proof of identification or any other documentation from you or your Authorized Representative which we may, in our sole discretion, require under the circumstances. 17:16i-1 et seq. Grant of Security Interest and Right to Set-Off. You hereby waive notice of dishonor, nonpayment, or protest with respect to any items credited to or charged against your account. Receipts for Deposits. Governing Law/Waiver of Jury Trial. Overdrafts. We may make use of correspondents, agents, subagents and funds transfer and communication systems. Lowercase […] We have no duty or agreement whatsoever to monitor or insure that the acts of the agent are for your benefit. Debit transactions include your checks, Automated Clearinghouse (ACH) transactions, bill payments, regularly scheduled repeating payments (like your mortgage or car payments) and other withdrawals you make. On Monday, you go to the store and use your debit card to make a purchase for $80.00. Deposits made at an ATM may not be available for immediate withdrawal. Deposits: Each co-owner authorizes the other co-owners to endorse for deposit into the account any item payable to any or all of the co-owners, and you expressly authorize us to supply the endorsement of any co-owner necessary for such deposit. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure or otherwise reimburse you for your loss. Pre-authorized transfers to or from an account (“ACH”). At any time before final payment (as defined in the Uniform Commercial Code) we may return any check, draft, image, negotiable order of withdrawal, electronic debit or other item presented for payment against your account when there are insufficient available funds in your account to pay the item or if for some other reason the item is not good or payable. If the amount of the overdraft causes you to exceed the amount of credit available on the overdraft protection line of credit or balance in the overdraft protection deposit account linked to the overdrawn deposit account, you agree to pay the amount by which the deposit account has been overdrawn plus all associated fees and charges as reflected in our then current Schedule of Fees and Charges and the applicable line of credit agreement. b. In any such action, Capital One Bank shall be entitled to its reasonable attorney’s fees (including in-house attorney’s fees) and court costs. Deposit Errors. If you already have existing accounts with Capital One Bank that have been open for a period of at least thirty (30) calendar days, accounts subsequently opened will not be considered new accounts. Please consult our EFT Disclosure for the rules and regulations regarding telephone transfers and the limits of our liability. A copy of our Online Privacy Policy and our U.S. Consumer Policy Notice is available on our Website. Purchases of this type may also be made at certain non-Capital One Bank ATMs. Furthermore, Capital One doesn’t offer an online contact form or email address for checking your application status, either. Cancellation or Amendment of Funds Transfer: A. Unless otherwise defined herein, the terms used in this Agreement shall have the same meaning as set forth in Article 4A of the Uniform Commercial Code and, to the extent applicable, the Electronic Fund Transfer Act (EFTA) and its implementing regulations. Each correspondent will be liable only for its own negligence. You hereby agree that your utilization of any security procedure established hereunder shall constitute your agreement to its use and affirmative acknowledgment of its commercial reasonableness. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. Please refer to our Electronic Fund Transfers Agreement and Disclosure (“EFT Disclosure”) available on our Website or at any of our banking offices for the daily cash withdrawal and point of sale limits applicable to your ATM card or ATM/Debit card. We may do so at any time and without prior notice to you. Please see the current Schedule of Fees and Charges applicable to your account for the amount of the Excessive Transaction Fee. A consumer account is an account held by an individual and used primarily for personal, family, or household purposes. If you authorize us to honor any facsimile or system-generated signature, you have the sole responsibility for maintaining the security of each signature affixing device or system. Unless your Account Disclosures provide otherwise, you may make any number of withdrawals from your account in person or at any ATM; provided that you do not exceed daily ATM cash withdrawal limits. We will require you to submit an affidavit of unauthorized activity in connection with any such transaction immediately thereafter. If we receive a notice in writing as provided by this section 3(b), we shall be relieved of responsibility to each and every co-owner for failure or refusal to honor any check, draft or other demand for payment or withdrawal unless the action is authorized by all co-owners in writing. We notice the browser you are using is outdated and no longer supported on our site. Subject to any rights we may have with respect to advance notice of withdrawal from your account, you may close your account at any time and for any reason. We will also endeavor to notify you promptly if a Funds Transfer is returned to us after its execution but shall have no liability by reason of our delay or failure to do so. If you tell us verbally, we may require that you send us your complaint or question in writing within ten (10) business days. Conversion rate: For international Funds Transfers involving non-U.S. currencies, the exchange rates we use for your transactions are not necessarily the bank-to-bank negotiated exchange rate or other potentially more favorable rate. Unless we agree otherwise, changes of address must be made online, over the phone, or in a branch by at least one of the account holders. Here is how: Visit your nearest Capital One Bank location, or e-mail us using the Contact Us link in the Customer service section of www.capitalone.com/bank/. You agree not to withdraw, write checks, or make point-of-sale purchases against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account. We can also terminate this Agreement at any time. Right to stop payment: If you have authorized regular payments out of your account, you can stop any of these payments. Online Account Consolidation Disclosure. Processing Order of Credits and Debits. 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