Written notice is not effective until received by us. 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. a. Special Rules for Multiple Party Deposit Accounts. We may continue to honor your checks, items and instructions until (a) we know of your death or legal incompetence, and (b) we have had a reasonable opportunity to act on that knowledge. Agreement Controls: Both you and Capital One Bank will be bound by this Agreement. Tell us the dollar amount of the suspected error. Overdraft Situations: An overdraft occurs when you do not have enough money in your designated account to cover a transaction, but we pay it anyway. Certain Capital One Bank account-to-account funding transfers and related fees, Signature debit card transaction authorized, Total Transfer Limit (Combined Inbound and Outbound). This could affect your ability to open accounts in the future. We reserve the right to provide any account holder with an imaged item in lieu of the original item. We may rely on all information contained in the Funds Transfer Request, regardless of who may have provided the information. If the two identity source documents bear different names, evidence of a formal name change must be provided. If you do not know this information, you may be unable to have the payment stopped without closing your account. This is one of the most comprehensive due diligence checklists that covers most, if not all, the bases. We will also ask to see your driver’s license or other identifying documents. Customer's Age, State, and Income Restrictions: To pre-qualify, you must be at least 18 years old, have a valid street address within the contiguous United States or an APO/FPO address. As the Custodian you agree to comply with all applicable laws. Acceptance of This Agreement: You have agreed to be bound and obligated under the terms of this Agreement and any subsequent amendments to this Agreement by using our electronic banking services. There were $500 in fraudulent charges made via my checking account. Foreign checks are handled as collection items only and are converted at our current daily rate and credited in U.S. dollars. No facsimile or system-generated signature shall be deemed to be an unauthorized signature notwithstanding the lack of authority of the person(s) affixing such signature, and you shall be solely responsible for any and all losses incurred in connection with the use of the facsimile or system-generated signature. Information regarding mobile banking security can also be found on our Website. All connected bank accounts will be visible when you log into your account through the website or mobile app. If you have a vehicle registered in your name, you can use either your registration card or insurance card to provide proof of address. In these instances, the funds will be accessible to you for withdrawal (at a branch or ATM), but will not be available to pay incoming ACH transactions or checks you have written. Copy Received. Consult your attorney or investment advisor regarding the potential risks associated with foreign exchange transactions. If you have a commercial account, a fee may be deducted from the account for any item drawing against uncollected funds, whether the item is paid or returned unpaid, in accordance with our current Schedule of Fees and Charges. If we choose to pay an item into overdraft, you must promptly make a deposit into your account to cover the overdraft and any fees charged. The postal (or electronic) address you provide to us will be deemed to be correct for purposes of delivering account statements and other notices to you, until we receive a change of address notification from you. Box 30285, Salt Lake City, UT 84130-0285. Accepting Items for Deposit. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks or drafts are knowingly accepted by gambling businesses in connection with unlawful Internet gambling. We must receive your request at least three (3) business days before the payment is scheduled to be made. If you do not contact us within this sixty (60) day time period, you could be held responsible for all unauthorized transfers and withdrawals that occurred between the end of the sixty (60) day period and the time you actually notified us if the transaction could have been prevented if we had been notified. We will tell you the results within three (3) business days after completing our investigation. You can claim deductions and even survive an … We are not obligated to pay a check presented for payment more than six months after its date (a “Stale Check”). 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. If your deposit of these checks (other than a U.S. Treasury Check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. (2) The error or problem with the transfer, why you believe it is an error or problem and, if possible, the date of the error; Withdrawals from an ATM outside of the United States, Puerto Rico, and U.S. Virgin Islands may incur an international transaction fee, as disclosed in our then current Schedule of Fees and Charges. We also require a reasonable amount of time to act on the request. In light of the regulations, please be informed that restricted transactions (as defined in Federal Reserve Regulation GG / 12 CFR Part 233) are prohibited from being processed directly or indirectly through any account or relationship maintained with us. For Capital One 360 accounts. B. Federal law requires that you provide us with your Social Security Number or your Employer Identification Number before opening any account. Driver License offices are located throughout the state and offer services by appointment only. Capital One has horrible customer service and policies. You can verify whether your Funds Transfer Request has been executed by calling us at 1-800-655-BANK (2265). Privacy Policy. Any such waiver of rights can also be terminated at any time, in our sole discretion. For non-consumer accounts only, if you decline to close the account, you agree that we will not be liable to you for subsequent losses or damages on the account due to unauthorized activity. Available for withdrawal or for no reason and without prior notice to all to as “ Capital One Bank ”... Or contact the Call Center for this reason, or for your designated primary or. Have agreed upon among yourselves shows you are responsible for paying items against deposits made same! Regarding mobile banking security can also be made from your designated primary checking or savings account as your primary or... Authorization program and the limits established for the loss of items in transit document ahead of.... 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