You must use a browser with TLS 1.2 or higher; Capital One disclaims losses from weaker encryption
Using the Services requires a computer or approved mobile device, Internet access through a service provider, and a web browser. To protect your financial information you must connect with a browser supporting TLS 1.2 or higher, and use below TLS 1.2 is strictly prohibited. If you manage to access the Services with lower encryption, Capital One disclaims all responsibility for losses resulting from it. Capital One may change these requirements from time to time.
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Use of the Services requires a computer or approved mobile device and Internet access connected through an Internet or mobile service provider with a Web browser
To protect the confidentiality and security of your financial information, you must connect to the Online Banking Site using an Internet browser that supports TLS 1.2 or higher. Use of the Services with lower than TLS 1.2 is strictly prohibited.
To the extent you are able to access the Services using lower than TLS 1.2, we specifically disclaim any and all responsibility for losses resulting from your use of such lower encryption. We may change these requirements from time to time.
Security & Safeguards · Restriction or exception
You must keep your Customer Number, username, password and other Access Information confidential
You agree to keep your Customer Number, username, password and any other security or access information ("Access Information") confidential to prevent unauthorized access to your accounts and unauthorized use of the Services, and not to give or make it available to any unauthorized individual. Capital One recommends memorizing it rather than writing it down.
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You agree to keep your Customer Number, username, password, and any other security or access information (collectively, “Access Information”) confidential to prevent unauthorized access to your account(s) and to prevent unauthorized use of the Services.
We recommend that you memorize your Access Information and do not write it down. You agree not to give or make available your Access Information to any unauthorized individual.
Qualifications & exceptions
Sharing is restricted to unauthorized individuals; memorizing is a recommendation, not a requirement.
Security & Safeguards · Procedure
You must notify Capital One immediately if your password or Access Information may be compromised
If you believe your password or other Access Information has been compromised in any way, you must notify Capital One immediately. This includes a lost or stolen password, someone trying to use the Services under your Customer Number without consent, your account being accessed, or money transferred from your account without permission. The Agreement points to a section titled "Your Responsibilities And Liabilities", cited as Section 17, for the consequences.
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If you believe the security of your password or any other Access Information has been compromised in any way you must notify us immediately.
This includes when your password has been lost or stolen; someone has attempted to use the Services under your Customer Number without your consent; your account has been accessed, or someone has transferred money from your account without your permission.
(See Section 17 titled “Your Responsibilities And Liabilities” below.)
Not stated here
The source's sections are not visibly numbered, so "Section 17" is resolved only by its title.
Security & Safeguards · Permission or license
Capital One may block your access or transactions for security, possibly without advance notice
Capital One may deny you access to any accounts or the Services, or refuse to process transactions, to maintain or restore the security or performance of the Online Banking Site or other Capital One systems. It may do so if it reasonably believes, in its sole discretion, that your Access Information has been or may be obtained or used by an unauthorized person. It may try to notify you in advance but does not guarantee it will.
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We reserve the right to deny you access to any accounts or to the Services, or to deny the processing of transactions, to maintain or restore security or performance of the Online Banking Site or any other Capital One Sites and systems.
We may do so if we reasonably believe in our sole discretion your Access Information has been or may be obtained (or is being used or may be used) by an unauthorized person. We may try to notify you in advance but cannot guarantee we will do so.
Security & Safeguards · Restriction or exception
Never share your login with a co-account holder: they would see all your linked accounts, including individual ones
If you share an account with another person, you must not share your login credentials with them; doing so violates the Agreement and would give them access to view all your linked accounts, including your individual accounts. If you each use your own credentials, the other person sees only the accounts you share, not your individual accounts.
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If you share an account with another person, you must not share your log in credentials with them. Doing so is a violation of this Agreement and they will have access to view all of your linked accounts, including your individual accounts.
As long as you don’t share your log in credentials, people with whom you share accounts can use their own log-in credentials and will only be able to view accounts that are shared with you, not your individual accounts.
Security & Safeguards · User right or choice
You consent to servicing emails and to inadvertent disclosures from them; email is not secure
You agree to receive all servicing and transactional emails related to the Services or your accounts, including automatic security alerts and optional alerts, and you consent to any inadvertent disclosures that may result from Capital One emailing you. Capital One warns that email is not secure, recommends not sending confidential or personal information or initiating transactions by email or text, and says it will not act on texts from you except under a specific program or instructions.
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You agree to receive all servicing and transactional email communications from Capital One that are related to your use of the Services or to your account(s). This includes automatic security alerts and any optional alerts that you may receive (discussed below). You consent to any inadvertent disclosures that may occur as a result of us sending communications to your email address.
Email is not a secure method of communication. So we recommend that you do NOT use email to send confidential or personal information or initiate transactions on your accounts.
We will not respond to or act upon text messages received from you, unless in connection with a specific program or instructions provided to you.
Security & Safeguards · Restriction or exception
Don't send confidential information or transaction requests by email or text; Capital One won't act on your texts
Capital One says email is not a secure method of communication and recommends that you not use email to send confidential or personal information or to initiate account transactions, and that you not send such information by text either. It will not respond to or act on text messages from you unless they are part of a specific program or instructions it gave you. For transactions or confidential questions it recommends using Online Banking functions or the contact options on its Contact Us page.
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Email is not a secure method of communication. So we recommend that you do NOT use email to send confidential or personal information or initiate transactions on your accounts. We also recommend that you not send confidential or personal information in text messages.
We will not respond to or act upon text messages received from you, unless in connection with a specific program or instructions provided to you.
We recommend that you do not send confidential or personal information to us in text messages. We will not respond to or act upon text messages received from you, unless in connection with a specific program or instructions provided to you.
Qualifications & exceptions
The email and text guidance is a recommendation, not a prohibition.
Security & Safeguards · Company practice
Security alerts go automatically to your email and phone for fraud protection and key account changes
Online Banking sends security alerts for fraud protection and when certain important account changes occur, such as adding a new Biller, updating your password or username, or changing your physical or primary email address. Eligible alerts go automatically by email to your primary email address and/or by text to your mobile number if you gave one. You can add contact points for security alerts in the Messages & Alerts menu.
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Security Alerts and Optional Communications (including Text Messages)
Security alerts may be provided to you for fraud protection and when certain important changes to your account occur. These alerts may include the addition of a new Biller, password and username updates, or changes in your physical or primary email address.
Eligible alerts are sent automatically by email to your primary email address and/or by text message to your mobile device number, if you have provided one.
Not stated here
Which alerts are "eligible" is not listed in full.
Security & Safeguards · Restriction or exception
Alerts can show balances, collections and transactions to anyone with your devices; you bear that risk
Communications may include Capital One's name and account information such as balances, checks written, insufficient funds, collection activity, transactions or payment due dates. Anyone with access to your email, mobile devices, telephone or voicemail may be able to see them. It is your responsibility to secure those devices, protect your usernames and passwords, and keep contact information current, and you consent to any disclosures by Capital One that occur if you do not take appropriate steps to prevent unauthorized access.
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Depending upon the communication, information pertaining to account balances, checks written, insufficient funds, collection activity, transactions or payment due dates may be included. Anyone with access to your email, mobile devices, or telephone or voicemail may be able to access the contents of the communication.
It is your responsibility to secure these devices, protect your usernames and passwords, and provide timely information about contact changes in order to protect the confidentiality of this information. You consent to any disclosures by Capital One that may occur if you do not take appropriate steps to prevent access to your information by unauthorized persons.
Security & Safeguards · Restriction or exception
You are responsible for all Paze use, including by people you let use your device; tokens may be deactivated
To the fullest extent permitted by law, you are responsible for any use of Paze, including activity by people you authorize to use your account or device. Capital One uses fraud-detection protocols but says it cannot catch everything; anyone with access to your device or Capital One account information could start Paze transactions, and sharing access increases fraud risk. You should report unauthorized Paze use as soon as possible. Capital One may deactivate some or all of your Paze tokens at any time if it believes your Accounts or wallet are compromised, and EWS may deactivate your wallet on the same basis.
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Security & Confidentiality of Access Information
To the fullest extent permitted by law, you are responsible for any use of Paze, including activities of those you authorize to use your account or device.
You should notify us as soon as possible of any unauthorized use of Paze on your account.
Capital One reserves the right to deactivate some or all of your Paze tokens at any time if we believe the security of your Accounts or Paze wallet has been compromised. EWS may also deactivate your Paze wallet at any time if they believe the security of your Paze wallet has been compromised.
Qualifications & exceptions
Responsibility is limited to the extent permitted by law; separate unauthorized-transaction rules are referenced in the Section 17 material.
Security & Safeguards · Procedure
You must examine each statement on receipt and tell Capital One at once about suspected unauthorized activity
Capital One sends periodic statements as often as your account agreements provide. You are described as extremely important in preventing wrongful use of your accounts and must carefully examine each statement on receipt. You must tell Capital One at once if you suspect an unauthorized transaction, believe someone improperly obtained your online passwords or has transferred or may transfer money without authorization, or suspect fraud on your accounts.
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Unauthorized Transactions
We will send you periodic statements for your accounts with the regularity provided for in your account agreements. You are extremely important in preventing any wrongful use of your accounts. You must carefully examine your statement upon receipt.
Tell us AT ONCE if you suspect that an unauthorized transaction has been or may be made from your account; if you believe another person has improperly obtained your online passwords or has transferred or may transfer money from your accounts without authorization; or if you suspect fraudulent activity on your accounts.
Qualifications & exceptions
This appears under the bank account heading.
Security & Safeguards · Procedure
For bank accounts, report suspected unauthorized activity at once by phone, mail or online, and help recover funds
For bank accounts, you must tell Capital One at once if you suspect an unauthorized transaction, believe someone improperly obtained your online passwords or has moved or may move money without authorization, or suspect fraud. You can call Customer Service at 1-877-383-4802 any day from 8:00 a.m. to 11:00 p.m. ET, write to Capital One, N.A. at 7933 Preston Rd., Plano, TX 75024, or log in at capitalone.com and click on the transaction. You agree to help Capital One recover funds transferred or paid without your permission.
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Tell us AT ONCE if you suspect that an unauthorized transaction has been or may be made from your account; if you believe another person has improperly obtained your online passwords or has transferred or may transfer money from your accounts without authorization; or if you suspect fraudulent activity on your accounts.
You can call Customer Service at 1-877-383-4802 any day between the hours of 8:00 a.m. and 11:00 p.m. ET. You can write to us at Capital One, N.A., 7933 Preston Rd., Plano, TX 75024, or log into your account at capitalone.com and click on the transaction.
You agree to assist us in our efforts to recover any funds that were transferred or paid without your permission.
Qualifications & exceptions
Appears under the bank account heading.
Security & Safeguards · Procedure
For credit cards, examine statements, report suspected fraud at once, and see your card agreement for liability rules
When using the Services for credit card accounts, Capital One sends periodic statements as your account agreements provide and you must examine each one carefully on receipt. Tell Capital One at once, through its Contact Us page, if you suspect an unauthorized transaction, believe someone improperly obtained your online passwords, or suspect fraud, and help it recover funds. Your rights and responsibilities for unauthorized card transactions are in your account agreement.
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WHEN USING THE SERVICES TO ACCESS YOUR CREDIT CARD ACCOUNT
Unauthorized Transactions
You must carefully examine your statement upon receipt.
Tell us AT ONCE if you suspect that an unauthorized transaction has been or may be made from your account; if you believe another person has improperly obtained your online passwords; or if you suspect fraudulent activity on your accounts.
You agree to assist us in our efforts to recover any funds that were transferred or paid without your permission. For more information on your rights and responsibilities for unauthorized transactions, please review your account agreement.
Qualifications & exceptions
Applies to credit card accounts.
Not stated here
The card account agreement with the liability rules is not supplied.
Security & Safeguards · Procedure
For auto loans, examine statements, report suspected fraud at once, and see your loan agreement for liability rules
When using the Service for auto loan accounts, you must carefully examine each periodic statement on receipt and tell Capital One at once, through its Contact Us page, if you suspect an unauthorized transaction, believe someone improperly obtained your online passwords or Password/PIN or has moved or may move money without authorization, or suspect fraud. You agree to help recover funds, and your rights and responsibilities are in your account agreement and any Additional Agreements.
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WHEN USING THE SERVICE TO ACCESS YOUR AUTO LOAN ACCOUNT
Unauthorized Transactions
You must carefully examine your statement upon receipt.
Tell us AT ONCE if you suspect that an unauthorized transaction has been or may be conducted from your accounts; if you believe another person has improperly obtained your online passwords, Password/PIN or has transferred or may transfer money from your accounts without authorization; or if you suspect fraudulent activity on your accounts.
You agree to assist us in our efforts to recover any funds that were transferred or paid without your permission. For more information on your rights and responsibilities for unauthorized transactions, please review your account agreement and any Additional Agreements.