45 of 141 cards in Charges & Financial Obligations
Charges & Financial Obligations · Context
Bill pay vocabulary: Billers, the checking account that pays fees, and the account payments come from
Several defined terms set up how bill pay works. A Biller is the person or company you want to pay, including one that sends you electronic bills. Online Bill Pay is Capital One's online bill payment service, and the Online Bill Payment Account is the Capital One deposit account payments are made from. The Billing Account is the checking account from which all Service fees are automatically debited. A Payment Account (Eligible Transaction Account) is an eligible transaction account you designate for making bill payments, for automatic debiting of service fees, and for receiving payments and credits to you. A Payment Instruction is the Biller name, Biller account number and Scheduled Payment Date you supply, and a Scheduled Payment is one scheduled but not yet processed. Bank Bill Pay Terms are the terms that govern the Bank Bill Pay Services. Using Online Bill Pay requires at least one eligible checking account with Capital One, N.A.
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“Biller” is the person or entity to which you wish to receive a bill payment. This also includes the person or entity from which you receive electronic bills.
“Billing Account” is the checking account from which all Service fees will be automatically debited.
“Online Bill Pay” refers to the services we provide through our online bill payment service.
“Online Bill Payment Account” is the Capital One deposit account from which payments are made through Online Bill Pay.
“Payment Account” or “Eligible Transaction Account” means any transaction account that is eligible for the Services and that is designated by you for the following purposes: making payments through the bill payment features of the Services, for automatic debiting of any service fees, and to which any payments and credits to you will be credited.
“Payment Instruction” is the information you provide for a payment to be made to a Biller through the Online Bill Pay Service. This includes Biller name, Biller account number, and Scheduled Payment Date.
“Scheduled Payment” is a payment that has been scheduled through the Services but has not been processed.
“Bank Bill Pay Terms” means the terms that govern when you use the Bank Bill Pay Services to pay your bills.
The use of Online Bill Pay requires at least one eligible checking account with Capital One, N.A.
Not stated here
Which accounts are "eligible" as Payment Accounts is not listed; the definition refers you to your Account Officer or Online Banking Customer Service.
Charges & Financial Obligations · Context
Business Days exclude weekends and Federal Reserve holidays; a payment date on a non-Business Day moves earlier
A Business Day is Monday through Friday, excluding Federal Reserve holidays. The Scheduled Payment Date is the day you want the Biller to receive your bill payment; if it falls on a non-Business Day, it is treated as the previous Business Day. The Due Date is the date payment is due on the Biller's statement; it is not the late payment date, the start of a grace period, or any day within a grace period when you might avoid a late fee.
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“Business Day” is every Monday through Friday, excluding Federal Reserve holidays.
“Scheduled Payment Date” is the day you want your Biller to receive your bill payment. If the Scheduled Payment Date falls on a non-Business Day, the Scheduled Payment Date will be considered to be the previous Business Day.
“Due Date” is the date on which payment to a Biller is due as reflected on the billing statement that you receive from that Biller. It is not the late payment date or the date beginning a grace period or any date during a grace period during which you may not be assessed a late fee.
Charges & Financial Obligations · Context
"Exception Payments" are payments to deposit or brokerage accounts or to settle securities trades
Exception Payments are payments to deposit accounts or brokerage accounts, or payments to settle securities transactions, including stocks, bonds, securities, futures (forex), options, or an investment interest in any entity or property. This section only defines the term; how such payments are treated is set out elsewhere in the Agreement.
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“Exception Payments” means payments to deposit accounts or brokerage accounts; or payments to settle securities transactions (including, without limitation, stocks, bonds, securities, futures (forex), options, or an investment interest in any entity or property).
Not stated here
This definition alone does not say what restrictions apply to Exception Payments.
Charges & Financial Obligations · Context
Internal Transfers stay within Capital One; External Transfers move money to or from another bank
Internal Transfers are transfers between your accounts held at Capital One. External Transfers are transfers between your Capital One accounts and an account at an external financial institution. Funds Transfers means both. The External Funds Transfer service described later covers linked personal deposit accounts at Capital One and checking, savings or money market accounts at other institutions, and you may register only outside accounts you have authority to transfer funds from.
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“Internal Transfers” mean monetary transfers between your accounts held at Capital One.
“External Transfers” mean monetary transfers between your accounts held at Capital One and an external financial institution.
“Funds Transfers” mean all Internal Transfers and External 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.
You agree that you will only register accounts for which you have the authority to transfer funds.
Charges & Financial Obligations · Restriction or exception
The primary cardholder pays all Account User charges, even over-limit; Account User online access cannot be revoked
Authorized Users and Account Managers on a credit card can make transactions, but the primary cardholder is financially responsible for the account, including all charges by Account Users and any transactions over the credit limit that Capital One may authorize for them. Capital One may also report their information to the credit bureaus. Authorized Users and Account Managers must be at least 18 for online access, which requires verifying the Authorized User's Social Security number; without verification no access is granted. Once an Authorized User has enrolled, online access cannot be revoked, and not every Authorized User is eligible.
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Authorized Users and Account Managers on credit card accounts are able to make transactions on the account, but the primary cardholder is financially responsible for the account. The primary cardholder is responsible for all charges made by their respective Account User(s), including any transactions in excess of the credit limit(s) that we may authorize for Account Users. We may also report their information to the credit bureaus.
Authorized Users and Account Managers must be at least 18 years old to be eligible for online access. Setting up an online account requires verification of the Authorized User’s Social Security number (SSN). If SSN cannot be verified, online access cannot be granted to the Authorized User. Online Access cannot be revoked once an Authorized User has enrolled. Not all Authorized Users will be eligible for online access.
Not stated here
"Their information" reported to credit bureaus most likely refers to Account Users, but the sentence does not say so explicitly.
Charges & Financial Obligations · Permission or license
Enrolling authorizes Capital One and its providers to process your transactions and recurring payments as you direct
By enrolling in Online Banking, you authorize Capital One and its Service Providers to process transactions and instructions, including automatic recurring payments, in the manner you direct.
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By enrolling in Online Banking, you authorize Capital One and its Service Providers to process transactions and instructions, including automatic recurring payments, in such a manner as you direct.
Charges & Financial Obligations · Restriction or exception
Bank account transfers may be limited by federal law and count toward your deposit agreement's limits
The Funds Transfers section applies only when you use the Services to access your Bank Account. Your ability to transfer from certain accounts may be limited by federal law. Your deposit account agreement, available from Online Banking Customer Service at 1-877-442-3764, explains the legal restrictions and the service charges and penalties for excessive withdrawals or transfers, and transfers made online count toward the permitted number of transfers.
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Funds Transfers for Bank Accounts
This section applies only in connection with your use of the Services to access your Bank Account.
Your ability to transfer funds from certain accounts may be limited by federal law.
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.
Qualifications & exceptions
Applies only to Bank Accounts.
Not stated here
The deposit account agreement with the transfer limits and penalties is not supplied.
Charges & Financial Obligations · Permission or license
Capital One may cap or refuse transfers; it must tell you promptly of a refusal unless the transfer was prohibited
Capital One may impose frequency or dollar limits on transfers or refuse any transfer. It must notify you promptly if it refuses to complete your transfer instruction, but no notice is required when you try a transfer prohibited by this Agreement, an Additional Agreement, another Capital One agreement affecting your account, or federal or state law.
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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.
Not stated here
The frequency or dollar limits themselves are not stated.
Charges & Financial Obligations · Procedure
Internal Transfers before 11:59 p.m. ET post the same Business Day; Capital One 360 transfers are not Internal Transfers
Except as the Agreement provides otherwise, Internal Transfer instructions received before 11:59 p.m. Eastern Time post to your account the same Business Day; those received at or after 11:59 p.m. ET post the next Business Day. Transfers to or from Capital One 360 accounts are not Internal Transfers.
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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.
Not stated here
How Capital One 360 transfers are handled instead is not stated here.
Charges & Financial Obligations · Procedure
External transfers: register only accounts you control; inbound funds may take three Business Days after Deliver By
The External Funds Transfer service moves money between your linked personal deposit accounts at Capital One and checking, savings or money market accounts at other institutions. You must register each outside account and agree to register only accounts you have authority to transfer from. Inbound Transfers post on the Deliver By date; for Outbound Transfers your funds are debited the Business Day after the Send On date and arrive at the other institution on the Deliver By date, with posting there set by that institution. For transfers to a Capital One bank retail account, funds may not be available until the third Business Day after the Deliver By date; for transfers into a Capital One bank account, availability follows your Account Agreement.
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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.
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.
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.
Qualifications & exceptions
Inbound posting on the Deliver By date is not the same as funds availability, which may be later.
Charges & Financial Obligations · Restriction or exception
External transfers into a Capital One retail account may be unavailable until three Business Days after Deliver By
For external transfers into a Capital One bank retail account, the funds may not be available until the third Business Day after the Deliver By date, even though Inbound Transfers post on the Deliver By date. For transfers into a Capital One bank account, availability follows the terms of your Account Agreement.
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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.
Capital One will post Inbound Transfers to your account on the “Deliver By” date.
Not stated here
The Agreement distinguishes a "bank retail account" from a "bank account" without defining the difference.
Charges & Financial Obligations · Procedure
External transfers after the 7:00 p.m. ET cut-off start the next Business Day
For external funds transfers, the cut-off time for both Standard Transfers and Next Day Transfers is 7:00 p.m. Eastern Time, and any transfer made after the cut-off is initiated the next Business Day. This differs from Internal Transfers between Capital One accounts, which post the same Business Day if received before 11:59 p.m. Eastern Time.
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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
all Internal Transfer instructions received before 11:59 p.m. Eastern Time will be posted to your account the same Business Day.
Qualifications & exceptions
The 7:00 p.m. cut-off sits under External Funds Transfers; Internal Transfers use 11:59 p.m. ET.
Charges & Financial Obligations · User right or choice
You can change or cancel a pending transfer until it shows "In Process" and not after the cut-off
Pending transfer instructions can be canceled or modified until their status changes to "In Process". They cannot be canceled or modified after the cut-off time for the transfer date.
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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.
Charges & Financial Obligations · Company practice
Inbound and outbound external transfers are free, but Capital One may change fees at any time
There is no fee to initiate Inbound or Outbound Transfers; fees for other transfer services are in your account disclosures. Capital One may change its fee schedule at any time and will notify you in writing if applicable law requires. Canceling a fee-bearing service does not release you from fees already assessed but unpaid before cancellation.
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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 if 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.
Not stated here
Fees for other transfer services are in account disclosures that are not supplied.
Charges & Financial Obligations · Restriction or exception
Daily and monthly limits cover all linked accounts and can be cut without notice after a Disqualifying Event
Transfer limits are set at enrollment; daily and monthly dollar limits apply to the total of all transfers for all accounts linked to your profile. A transfer started on a non-Business Day counts toward the next Business Day's limit. Transfers show as "In Process" until fully processed, and standard transfers typically stay In Process until the close of the third Business Day after initiation. Capital One may change limits at any time, with notice of a decrease if law requires, but you agree it may reduce limits without prior notice after a Disqualifying Event, including: any Capital One account not current or in good standing; an overdraft, over-limit item or returned item for insufficient funds on any Capital One account in the current or three prior calendar months; or any prior external transfer canceled, revoked or not completed for insufficient funds, revoked authorization, stopped payment, frozen account or similar reason.
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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.
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.
Qualifications & exceptions
The Disqualifying Event list is introduced with "including", so it may not be exhaustive.
Not stated here
The actual dollar limits are not stated.
Charges & Financial Obligations · Context
For bank accounts, online payments include bill payments out, payments into Capital One accounts, and loan transfers
When you use the Services with your bank account, online payments include Outgoing Payments, where the Payment Account is a Capital One account, including Online Bill Pay payments; Incoming Payments to Capital One accounts; and Funds Transfers to eligible loan or line of credit accounts. Funds Transfers remain governed by the Funds Transfers provisions.
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Payments
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 and any other provisions governing Funds Transfers in this Agreement.
Qualifications & exceptions
Applies to bank accounts.
Charges & Financial Obligations · Permission or license
Signing bill payment instructions authorizes Capital One to debit your Payment Account and send the money
Online Bill Pay payments are debited from your Payment Account. By signing bill payment instructions, you authorize Capital One or its service providers to debit your Payment Account (or ask another institution holding it to do so) and remit funds for you. Capital One aims to have funds arrive at the Biller as near as reasonably possible to the Scheduled Deliver By date you choose. You also authorize credits to your Online Bill Payment Account for payments returned by the Postal Service or a Biller, or remitted to you for another Authorized Person.
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Online Bill Pay Authorization
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.
“Authorized Person” means, for an individual account, each person who has an interest in or authority to transact business using such account.
Qualifications & exceptions
Arrival timing is a reasonable-efforts target, not a guarantee.
Charges & Financial Obligations · Restriction or exception
Closing your checking or Payment Account ends bill pay and cancels unprocessed payments, though some may still go out
You should keep Payment Accounts open and active. If your eligible checking accounts close, Online Bill Pay ends and unprocessed Outgoing Payments are canceled; cancellation can take up to 5 Business Days from the processing date of a payment scheduled from the closed account. If you close your Payment Account, Incoming Payments will not be processed, but Outgoing Payments scheduled from it may still be processed depending on the scheduled due date. For Incoming Payments from a non-Capital One Payment Account, the other institution's terms may also apply.
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Online Bill Pay Account Activity
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.
Qualifications & exceptions
Statements that unprocessed payments are canceled and that scheduled payments may still be processed sit side by side; which applies depends on timing and the scheduled date.
Charges & Financial Obligations · Restriction or exception
You must schedule payments so bills are paid by the Due Date; Capital One may limit or refuse payments
For all Outgoing and Incoming Payments you schedule through the Services, it is your responsibility to authorize them so bills are paid by the Due Date. Capital One may impose frequency or dollar limits on payment requests or refuse any payment, and will attempt to notify you promptly if it refuses a Payment Instruction.
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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.
Qualifications & exceptions
For payments Capital One commits only to attempt prompt notice of a refusal, whereas for transfers it says it is obligated to notify you promptly.
Charges & Financial Obligations · Permission or license
Pay Capital One card payments come from a deposit account you designate and warrant you can use
When using the Services for your credit card account, you can pay certain Capital One credit cards from a checking, savings or other deposit account you designate through the Pay Capital One feature, and payments are debited from that Payment Account. By designating it, you warrant that you are an Account User on the Payment Account. By signing bill payment instructions, you authorize Capital One to debit the Payment Account (or ask the other institution to) and remit funds for you. A general provision elsewhere also has you warrant that you are an Authorized User on any account funds are drawn from.
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WHEN USING THE SERVICES TO ACCESS YOUR CREDIT CARD ACCOUNT
Payments to certain Capital One credit card accounts from any checking, savings or other deposit account(s) you designate may be made via the Pay Capital One feature of Online Banking.
When you designate a Payment Account, you warrant that you are an Account User on the Payment Account.
By signing the bill payment instructions, you authorize Capital One 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.
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.
Qualifications & exceptions
Applies to certain credit card accounts.
Not stated here
The warranty uses "Account User", a term the Agreement defines for credit card accounts, to describe your status on a deposit Payment Account; the intended meaning is unclear.
Charges & Financial Obligations · Procedure
Payment rules shown when you pay become part of the Agreement and must be followed for timely processing
For both credit card and auto loan payments, payment instructions, authorizations and changes made through Online Banking must comply with the payment rules disclosed when you make the payment in order to be processed as you instruct, and those payment rules are treated as part of this Agreement. The headings advise making instructions and changes with time to spare.
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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.
Make Instructions and Changes with Time to Spare
You understand and agree that payment authorizations and any changes to these authorizations through Online Banking must comply with the payment rules disclosed when you make a payment. These payment rules are considered part of this Agreement.
Not stated here
The payment rules disclosed at payment time are not supplied.
Charges & Financial Obligations · Restriction or exception
If you close the account payments come from, scheduled payments stop and you bear late fees unless you pay another way
For credit card and auto loan payments, if you close your Payment Account, payments scheduled to be deducted from it will not be processed. If you do not make other arrangements, you are solely responsible for any late or non-payment fees that result.
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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.
If You Close Your Payment Account
If you close your payment account, any payments scheduled to be deducted from that 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.
Not stated here
The credit card heading also mentions closing the Capital One credit card, but the text addresses only closing the Payment Account.
Charges & Financial Obligations · Permission or license
Auto loan payments come from a designated deposit account or other means; you warrant you are an Authorized Person on it
When using the Service for your auto loan account, you can pay from checking, savings or other deposit accounts you designate, and possibly by other means such as a debit card or other digital wallets; payments are debited from the designated account. By designating it you warrant that you are an Authorized Person on that account, and by signing bill payment instructions you authorize Capital One to debit it (or ask the other institution to) and remit funds for you.
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WHEN USING THE SERVICE TO ACCESS YOUR AUTO LOAN ACCOUNT
Payments to your auto loan account from any checking, savings, or other deposit accounts you designate may be made via Online Banking. You may also be able to make payments through other means, such as debit card or other digital wallets.
When you designate a payment account, you warrant that you are an Authorized Person on that account.
“Authorized Person” means, for an individual account, each person who has an interest in or authority to transact business using such account.
Qualifications & exceptions
Applies to auto loan accounts.
Charges & Financial Obligations · Procedure
Auto loan payments scheduled outside Online Bill Pay have a 3:30 p.m. Central cut-off
For Incoming Payments to an auto loan account scheduled through the Services but not through Online Bill Pay, the cut-off is 3:30 p.m. Central Time on Business Days; requests after the cut-off are processed the next Business Day.
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The cut-off time for Incoming Payments to an auto loan account scheduled through the Services but not scheduled through the Online Bill Pay service is 3:30 p.m. Central Time on Business Days. Incoming Payment requests initiated after this cut-off time will be processed the next Business Day.
Charges & Financial Obligations · User right or choice
Recurring auto loan payments continue until you cancel by 11:59 p.m. ET the day before the payment date
If you set up a recurring auto loan payment, you authorize Capital One Auto Finance, its successors and assigns, and the named institution to withdraw funds from the payment account for amounts payable to Capital One Auto Finance. The authorization lasts until you tell Capital One Auto Finance to cancel, and cancellation requests must be received by 11:59 p.m. Eastern Time the day before the scheduled payment date. You can also stop payment of any entry by notifying Capital One Auto Finance under the cancellation terms given when you schedule or in your payment confirmation.
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If you set up a recurring payment for your auto loan account, you authorize Capital One Auto Finance, its successors and assigns, and the institution named, to initiate withdrawals from the payment account for funds payable to Capital One Auto Finance. This authorization will remain in effect until you notify Capital One Auto Finance to cancel. Requests to cancel a recurring payment must be received by 11:59 p.m. Eastern Time on the day before the scheduled payment date.
You can stop payment of any entry by notifying Capital One Auto Finance in accordance with the cancellation terms provided at the time of scheduling your payment and/or in your payment-confirmation communication.
Charges & Financial Obligations · Restriction or exception
If an auto loan debit fails you must pay another way; one retry, then late or returned-payment fees may apply
If funds are unavailable when Capital One tries to debit your payment account, or your direct payment is not received for any reason, you are responsible for sending a payment. If ACH funds are unavailable, Capital One tries one additional, final time. If payment is not received by the due date you may be charged late fees under your contract. If a direct draft is dishonored or returned, Capital One Auto Finance may charge a Returned Check Fee under your contract and may end the payment authorization and your participation.
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If funds are unavailable at the time we attempt to debit your payment account or your direct payment is not received for any reason, you will be responsible for forwarding a payment to us. If ACH funds are not available, we’ll try one additional, final time. If your payment is not received by the auto account payment due date, you may be assessed late fees in accordance with your contract.
If you pay with a direct draft that is dishonored or returned, Capital One Auto Finance reserves the right to assess a “Returned Check Fee” in accordance with your contract. If a direct draft is returned, Capital One Auto Finance reserves the right to terminate this authorization and your participation in it.
Not stated here
Fee amounts are in your auto loan contract, which is not supplied.
Charges & Financial Obligations · Context
Paze is a digital wallet storing your info and eligible cards for faster checkout, and it is covered by these terms
Paze is a digital wallet that stores information about you and your eligible credit and debit cards from Capital One and other participating financial institutions to speed up online checkout. Paze is a Service subject to this Agreement.
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PazeSM Digital Wallet
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.
Not stated here
Who operates Paze beyond Capital One is not stated here.
Charges & Financial Obligations · Company practice
Capital One decides which cards go in Paze, may add them for you, and replaces card numbers with tokens
Capital One decides in its sole discretion which cards are eligible for Paze; you can see eligible cards in the Capital One app or website. Capital One may add eligible cards to Paze, and you can remove them at any time. Adding a card replaces your actual card number with a unique token, and by using Paze you ask Capital One to create a token for each eligible card to share with merchants. Tokens keep working if you receive a card with a new number. Capital One may remove cards that no longer meet its eligibility criteria.
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Cards in Your Wallet
We will determine which cards are eligible for Paze in our sole discretion.
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.
Qualifications & exceptions
Cards can be added by Capital One without a separate request; you may remove them.
Not stated here
Eligibility criteria are not stated.
Charges & Financial Obligations · Procedure
Keep Paze receipts; a return using your real card number may fail because the merchant only has the token
Keep merchant receipts for all Paze transactions. For returns, the merchant has only the Paze token used for the purchase, not your actual card number, so trying to return a purchase using your actual card number might not work.
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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.
Charges & Financial Obligations · Permission or license
Paze may cap transaction amounts or counts, and Capital One can restrict Paze or decline transactions without notice
Paze use may be limited, for example by dollar amount or number of transactions in a period. Capital One may restrict your access to Paze or any of its features without prior notice and may decline Paze transactions for risk management.
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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.
Not stated here
The specific limits are not stated.
Charges & Financial Obligations · Permission or license
Bank fees follow the Fee Schedule and account agreements; Capital One may add fees and auto-deduct them
Fees for your Bank Account are in the Capital One Fee Schedule, available at banking offices or by calling Online Banking Customer Service, and you are also subject to all fees, charges, penalties, balance requirements and restrictions in your account agreements and other Additional Agreements. Fees can change, and Capital One may impose additional charges, penalties or fees for use of the Services at any time, subject to these terms. You agree to pay all fees promptly and authorize Capital One to deduct them automatically from your designated Capital One Payment Account or any other eligible account.
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Fees and Charges
For information about fees that may apply in connection with your Bank Account, please consult the Capital One Fee Schedule, available at any Capital One banking office.
In addition to such fees set forth in the Fee Schedule, you shall be subject to all fees, charges, penalties, balance requirements, and other restrictions explained in your account agreements or other Additional Agreements.
Fees are subject to change. And we may impose additional charges, penalties or fees in connection with your use of the Services at any time, subject to these terms.
You agree to promptly pay all fees and charges for the Services, and you authorize us to automatically deduct all applicable charges and fees from your designated Capital One Payment Account or any other eligible account.
for automatic debiting of any service fees
Qualifications & exceptions
Fee deductions are not limited to the designated Payment Account; any other eligible account may be debited.
Not stated here
The Fee Schedule and account agreements are not supplied, so actual fee amounts are unknown.
Charges & Financial Obligations · Restriction or exception
You pay your own phone and internet charges for using online banking
You are responsible for any telephone charges or Internet service fees you incur to access your accounts through the Services.
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You agree to be responsible for any telephone charges and/or Internet service fees you incur in accessing your accounts through the Services.
Charges & Financial Obligations · Company commitment
Capital One tries to give 30 days' notice of new online fees, tighter limits or more liability, but may act immediately
Whenever reasonably practicable, Capital One will try to give at least 30 days' advance notice of additional fees for online transactions, stricter limits on the type, amount or frequency of transactions, or any increase in your responsibility for unauthorized transactions, but it does not guarantee that timing. It may make such changes effective immediately if needed to maintain system security or comply with law; in that case, if disclosure would not jeopardize security, it will give electronic or written notice within 30 days after the change.
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Whenever reasonably practicable, we will try to post or send notice of any additional fees for online transactions at least 30 days in advance of the effective date; or of any stricter limits on the type, amount, or frequency of transactions, or any increase in your responsibility for unauthorized transactions. But, we can’t guarantee that we will provide such notice by such time.
We reserve the right to make any such changes effective immediately if necessary to maintain the security of the system or to comply with any laws or regulations. If we make such a change, and we can disclose it without jeopardizing the system’s security, we will give you electronic or written notice within 30 days after the change.
Qualifications & exceptions
The 30-day advance notice is a best-efforts target, not a guarantee.
Charges & Financial Obligations · Company commitment
For bank accounts Capital One uses reasonable efforts on transfers and bill pay, with no liability in listed conditions
When you use payment or transfer services for your bank accounts, you warrant that you are an Authorized User on the account funds come from. Capital One or its agent will use reasonable efforts to complete funds transfers and bill payments from your designated deposit or line of credit accounts on time and as instructed, but neither Capital One nor any Service Provider is liable for any failure or delay in an Outgoing Payment, Incoming Payment or funds transfer if the conditions listed in the cited Section 14(D) occur.
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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 14(D) of this Agreement occur.
Qualifications & exceptions
The cited "Section 14(D)" is not a visible number in this source; it appears to refer to the later list headed "Limited Liabilities for Certain Payments and Fund Transfers", which excuses Capital One when, for example, you lack funds, gave incomplete payment information, or authorized a payment too late.
Not stated here
The bank warranty uses "Authorized User", a credit card term, for the funding account.
Charges & Financial Obligations · Company commitment
For credit card payments Capital One uses reasonable efforts, with the same no-liability conditions
When you use payment services for your credit card accounts, you warrant that you are an Account User on the account funds are drawn from. Capital One or its agent will use reasonable efforts to complete payments from your credit card accounts on time and as instructed, but neither Capital One nor any Service Provider is liable for failures or delays if the conditions in the cited Section 14(D) occur.
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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 Account 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 credit 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 14(D) of this Agreement occur.
Qualifications & exceptions
The cited "Section 14(D)" is not a visible number in this source; it appears to refer to the later list headed "Limited Liabilities for Certain Payments and Fund Transfers", which excuses Capital One when, for example, you lack funds, gave incomplete payment information, or authorized a payment too late.
Charges & Financial Obligations · Company commitment
For auto loan payments Capital One uses reasonable efforts, but is not liable in the listed conditions
When you use payment services for your auto loan account, you warrant that you are an Authorized Person on the account funds are drawn from. Capital One or its agent will use reasonable efforts to complete payments from your payment accounts on time and as instructed, but neither Capital One nor any Service Provider is liable for failures or delays if the conditions in the cited Section 14(D) occur.
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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 Person 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 14(D) of this Agreement occur.
“Authorized Person” means, for an individual account, each person who has an interest in or authority to transact business using such account.
Qualifications & exceptions
The cited "Section 14(D)" is not a visible number in this source; it appears to refer to the list headed "Limited Liabilities for Certain Payments and Fund Transfers" that follows.
Charges & Financial Obligations · Restriction or exception
If you don't report promptly you could lose all your deposit money plus overdraft credit, subject to consumer limits
Calling right away helps reduce losses. Capital One warns that if it is not notified in time, you could lose all the money in your checking, savings or other deposit accounts plus the maximum credit available on a revolving line of credit used for overdraft protection. For electronic fund transfers from Personal Accounts, the specific consumer loss limits described in the Agreement apply instead.
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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:
Qualifications & exceptions
The unlimited-loss warning is narrowed for electronic fund transfers from Personal Accounts by the $50/$500/60-day rules.
Charges & Financial Obligations · User right or choice
Personal account EFT losses: $50 if reported within 2 Business Days, up to $500 after, unlimited after 60 days
For electronic fund transfers from a Personal Account (one a natural person opens mainly for personal, family or household use): if your Access Information is lost or stolen and you notify Capital One within 2 Business Days of learning of it, you can lose no more than $50 from an unauthorized transfer. If you do not notify within 2 Business Days and Capital One can prove it could have stopped the transfer had it been told, you can lose up to $500. If you do not report unauthorized transactions on a periodic statement within 60 days after it is mailed or sent electronically, you risk unlimited losses on transactions after the 60-day period if Capital One can prove it could have stopped them had you told it in time. If a good reason such as a long trip or hospital stay kept you from telling Capital One, it may extend these periods in its sole discretion.
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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 in our sole discretion.
“Personal Account” means any asset account established by a natural person primarily for personal, family, or household purposes.
Qualifications & exceptions
Applies only to electronic fund transfers from Personal Accounts.
The $500 and unlimited exposures apply only if Capital One can prove it could have stopped the loss.
For bank transfer or bill pay errors, contact Capital One by phone, mail or by clicking the transaction online
When using the Services for bank accounts, if you have questions or find errors in funds transfers or bill payments made through the Services, you must call 1-877-383-4802, write to 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.
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In Case of Errors or Questions about Payments, Transfers or Other Transactions Made Through the Services
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
Qualifications & exceptions
Applies to bank accounts.
Charges & Financial Obligations · Procedure
Report a statement error within 60 days of the first statement showing it
For statements showing transactions you made through the Services, if you think the statement is wrong or need more information about a listed transaction, Capital One must hear from you no later than 60 days after it sent the first paper or online statement on which the problem appeared.
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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.
Charges & Financial Obligations · Procedure
When reporting an error, give your name, account number, a description and the amount
When you report an error, Capital One will ask you to give your name and Account number; describe the error or transfer you are unsure about and explain as clearly as you can why you believe it is an error or need more information; and, to the extent possible, the dollar amount of the suspected error.
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When you report an error we will ask you to:
Tell us your name and Account number.
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.
To the extent possible, tell us the dollar amount of the suspected error.
Charges & Financial Obligations · Company commitment
Capital One decides errors within 10 Business Days, or up to 45 (90 for new accounts) with a provisional credit
If you report verbally, Capital One may require written confirmation within 10 Business Days. It will determine whether an error occurred within 10 Business Days and correct it promptly. If it needs more time it may take up to 45 days, but then it will credit your Account within 10 Business Days for the disputed amount so you can use the money during the investigation; if it asked for written confirmation and did not get it within 10 Business Days, it may not credit your Account. If the error occurred within 30 days after the first deposit to your Account, it may take up to 90 days to investigate and up to 20 Business Days to credit you. It will tell you the results within 3 Business Days after finishing, send a written explanation if it finds no error, and you may request copies of the documents it used.
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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.
Qualifications & exceptions
The 90-day and 20-Business-Day periods apply only when the error occurred within 30 days after the first deposit to the Account.
Charges & Financial Obligations · Company commitment
In bill pay investigations Capital One asks the Biller to refund wrongful interest or fees but need not pursue a denial
When investigating bill payment transactions, Capital One will ask the Biller to refund any interest or fees you may have been wrongly charged, but it has no obligation to pursue the request further if the Biller refuses. You will be told the final resolution.
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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.
Charges & Financial Obligations · Procedure
For card errors call Capital One; your Billing Rights Summary is part of this Agreement
When using the Services for credit card accounts, for questions or errors about payments or other transactions made through Online Banking you must call Capital One as described on its Contact Us page. Your rights and responsibilities for billing errors are in your Billing Rights Summary, which is treated as part of this Agreement.
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WHEN USING THE SERVICES TO ACCESS YOUR CREDIT CARD ACCOUNT
In case of questions or errors about payments or other transactions made through Online Banking, you must call us as specified on our
which is considered part of this Agreement.
Qualifications & exceptions
Applies to credit card accounts.
Not stated here
The Billing Rights Summary is linked but not supplied.
Charges & Financial Obligations · Procedure
For auto loan errors, call Capital One as listed on its Contact Us page
When using the Services for auto loan accounts, for questions or errors about payments or other transactions made through Online Banking you must call Capital One as described on its Contact Us page.
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WHEN USING THE SERVICES TO ACCESS YOUR AUTO LOAN ACCOUNT
In case of questions or errors about payments or other transactions made through Online Banking, you must call us as specified on our