An overdraft occurs when you do not have enough money in your account to cover a debit transaction, but we pay it anyway. NOTICES TO YOU OR US We shall deem any and all notices to us effective upon receipt by us. We reserve the right to conclude the early availability of direct deposit at our sole discretion and without any further notice to you. You should review your statement for any discrepancies, unauthorized transactions, or errors in connection with any Wire Transfers. Capital One, N.A. You authorize us and our Service Providers to process the transactions permitted under this Agreement for you as requested by you from time to time, and you authorize us and our Service Providers to post transactions to your account(s) as directed. We and our Service Providers have the right but not the obligation to monitor and remove communications content that we find in our sole discretion to be objectionable in any way. We cant control everything there are circumstances beyond our control like delays in handling and posting payments by Billers or other financial institutions. You may close your account at any time provided you don't have any outstanding balance on your Overdraft Line of Credit. Overdraft Services means your options for overdraft service, including Auto-Decline, Free Savings Transfer, No-Fee Overdraft, and Overdraft Line of Credit. In addition, you are prohibited from using the Service for communications or activities that: (a) violate any law, statute, ordinance or regulation; (b) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (c) defame, abuse, harass or threaten others; (d) include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (e) infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; (f) impose an unreasonable or disproportionately large load on our infrastructure; (g) facilitate any viruses, trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; (h) constitute use of any robot, spider, other automatic device, or manual process to monitor or copy the Service or the portion of the Site through which the Service is offered without our prior written permission; (i) constitute use of any device, software or routine to bypass technology protecting the Site or Service, or interfere or attempt to interfere, with the Site or the Service; or (j) may cause us or our Service Providers to lose any of the services from our internet service providers, payment processors, or other vendors. Each of you can enter a stop payment order on any payments or other orders of withdrawal authorized by either of you. account to any other Capital One, N.A. You may ask for copies of the documents we use in our investigation. Dont worry though, well notify you promptly if we decide to refuse to pay a Biller. At the beginning of each day, we start with the total outstanding unpaid Advances, excluding any accrued or unpaidinterest. We will charge you a fee for using this feature, and the charge will be deducted from the checking account you use for the wire at the same time we deduct the amount of the wire. In this disclosure statement, the words "you" or "your" refer to the depositor and any authorized user(s) of the account. We will attempt to properly and timely make all your payments. You may receive notification from the Service. ACCOUNT TYPE/ACCOUNT OPENING 360 Checking is a transactional account that pays a variable rate of interest and allows you to make certain payments and transfers to third parties. We believe a check you deposit will not be paid. Our business days include every day other than Saturday, Sunday or one of the federal holidays, or other days we are closed ("business day"). If we restrict the account, we may not release the restriction unless all joint owners agree in writing to remove it. Well attempt every scheduled payment until we exhaust your available balance (including your Overdraft Line of Credit/Free Savings Transfer account). This means that some transactions may take longer than normal to be credited to your account with a Biller. Postal Service ("USPS") or if a company in the business of providing correct addresses informs us that the address in our records no longer matches your address. When the available balance in your checking account is insufficient to cover a withdrawal request (like a bill payment, interest payment, transfer, or point of sale ("POS") transaction), or when the available balance is otherwise negative, you authorize and direct us to make a loan to you by transferring enough funds from your Overdraft Line of Credit to cover the overdraft (each overdraft transfer is an "Advance").

The dollar amount of the suspected error. The total daily limit when depositing checks at an ATM is $999,999.99. Within sixty (60) days after the error appeared on your FIRST statement. We may provide you with the results of our investigation electronically if you have agreed to receive electronic communications from us. Please understand that by applying for 360 Checking and/or using our 360 Checking features, youre agreeing to be bound by the terms of the 360 Checking Agreement, in addition to any other agreements you have entered into with us. We will not be liable to you for refusing a deposit, even if it causes us to decline any transactions you have already made. State laws (called "escheat" or unclaimed property laws) require us to close all your deposit accounts and transfer your money to the state if your accounts are dormant for a period of time as defined by your state of residence. You deposit checks totaling more than $5,525 on any one day. An outgoing domestic wire transfer is $30.00. If you present us with a foreign check, we will not charge a fee, but the paying bank may deduct a fee from the proceeds. Earlier availability of direct deposits is dependent on the timing of your payors payment instructions, fraud prevention overlays, and other restrictions, such as limits on the amount and frequency of direct deposits to your account. Youre responsible for any losses, costs, or expenses we incur as a result of any dispute or legal proceeding involving your 360 Checking account. If all of your accounts become dormant, you may no longer receive paper statements, but you can still view your accounts online. Foreign checks sent for collection are exchanged at the exchange rate on the day of payment. We will let you know if your access is suspended. For example, some merchants, like restaurants, hotels or gas stationswont know the exact amount of your purchase when they request the authorization. If we allow an Advance from your Overdraft Line of Credit, youre responsible for any interest we charge in accordance with the terms of the Overdraft Line of Credit Agreement. That transaction could come in for more money and we would need to pay it even if you don't have enough money in your account. Security Procedures:You agree and consent to the use of certain security procedures by us to confirm the validity of the Wire Transfer Request made pursuant to this Agreement. Circumstances beyond our control (like a fire, flood, or other disaster) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances. If the deposit was split for an equal amount, well deduct the full amount of the check from the first account in the transaction sequence. LEVIES, ATTACHMENTS, AND OTHER COURT PROCESSES If we receive a levy, attachment, or other legal process against you or any party to your 360 Checking account, we may refuse to permit withdrawals or transfers from your 360 Checking account until the legal process is dismissed or satisfied. Duty of Reasonable Care:We shall exercise good faith and reasonable care in processing Wire Transfer Requests. If any provision of this 360 Checking Agreement is determined by a Court or administrative agency having proper jurisdiction to be invalid, unenforceable, or illegal, that determination will not affect the validity and enforceability of the remaining provisions of this 360 Checking Agreement. The purpose of this disclosure statement is to inform you of your rights under the Electronic Fund Transfer Act. You understand the security procedures are not designed to detect errors in the content of the Wire Transfer Request or to prevent duplicate transfers. We may close your 360 Checking at any time and for any reason. State abandoned property law establishes guidelines under which unclaimed property must be surrendered to the applicable state. Account information: Your name and account number. Fees The following fees may be charged to your account: Transaction Limitations The transaction limit depends on the method of payment. If we decide not to restrict the account, all joint owners remain responsible for items subtracted from the account. Checks you deposit must be payable to you or to the living trust (in the case of a trust account). BR415351 In some instances, you will receive a return notice from us. Inconsistency of Name and Account Number:You acknowledge and agree that when you (or your authorized representative) provide us with a name and account number in order for us to process a Wire Transfer, payment may be made by the beneficiary's/designated recipient's bank solely on the basis of the account number, even if the account number identifies a person different from the beneficiary so named.

These limits are designed to be flexible in order to protect the security and integrity of the service and accounts. If you already have an account with us at the time you open your 360 Checking account, your existing Linked Account(s) will also be linked to your 360 Checking account. You may not request an Advance in excess of your available credit. If a foreign transaction is in a foreign currency, it will be posted to your account in U.S. dollars. Payment to Capital One:You must pay us the amount of the Wire Transfer, plus any applicable fees, before we will execute the Wire Transfer Request. COLLECTION OF ITEMS If we elect to receive checks and other items for collection, we act as your collection agent and dont assume any responsibility beyond the exercise of due care. Accrual of Interest on Deposits For all types of non-cash deposits, interest will begin to accrue no later than the next business day following the banking day on which the funds were deposited. Or send us an electronic communication through the internet at our websitewww.capitalone.com/bankas soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on a statement or receipt. Regardless of the overdraft preference you select, sometimes we are required to pay a transaction that may create an overdraft in your account. We have the right to waive any of our rights under the 360 Checking Agreement with respect to any transaction without obligating ourselves to treat future transactions in the same way. Indemnification:In consideration of Capital One agreeing to accept Wire Transfer Requests in the manner set forth herein, you shall forever indemnify and hold Capital One, its officers, directors, shareholders, employees, successors, predecessors, representatives, principals, agents, assigns, parents, subsidiaries and/or insurers harmless from and against all liability, claims, damages, costs, claims, or expenses (including reasonable attorneys' fees) that we may incur without regard to the merit or lack thereof, arising out of, or related in any way to the matters set forth herein, or to the Wire Transfer Service, which shall be provided pursuant to the terms of this Agreement. If the check was deposited into 360 Checking and multiple other Capital One accounts, we will debit your 360 Checking account for the full amount. You're responsible for all transactions you authorize using the card, including any losses, charges, or penalties incurred as a result. Then we add any new Advances, subtract your deposits and credits (except for the portions applied toward billed and unpaid interest), and make any other appropriate adjustments. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. You are solely responsible for meeting the requirements for establishing your account as a POD, including any titling requirements. If the funds are not available in your account on the date the transfer is scheduled to go through, the transfer will be declined. REPORTING INFORMATION TO CONSUMER REPORTING AGENCIES AND CHECK VERIFICATIONS SYSTEMS We may report information about your account to consumer reporting agencies and/or check verification systems. We will notify you if we delay the availability of your funds, and we will tell you when you can expect your funds to be available. You understand our ability to process a stop-payment request will depend on the payment method and whether or not a payment has cleared your Online Bill Payment Account. When deciding to pay transactions that cause an overdraft, we consider a variety of factors, including the amount of the transaction and/or your history with us, including whether youve previously had too many overdrafts on your account(s). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our affiliates and agents. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identify verification). If we do that, we will reverse the amount added to your account and send it to you via check or your external linked account. You can avoid the transfer of your money to the state simply by signing into your account, transacting periodically, contacting us, or replying to any abandoned property correspondence. You agree to notify us within 60 days if you think theres an error or unauthorized transaction shown on your Statement. During your life, the funds in the account belong to you and, until your death, or if there are co-owners, upon the death of the last co-owner, the beneficiary(ies) have no interest in the account and cannot perform transactions on the account. Maintaining a negative balance in your account for 56 consecutive calendar days will result in account closure and this could affect your ability to open new accounts with us or other banks in the future. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. You understand and agree that we will have no liability for failing to accommodate a stop-payment request. See your 360 Checking Agreement for a more complete description of some of these services. The Services eBills feature enables you to receive electronic bills from participating Billers. Once we receive a Funds Transfer Request, it may not be able to be canceled or amended. We reserve the right to refuse payment to any Biller to which you may direct a payment. We may assess fees, for which you shall be liable, in the event we provide to you, upon your request, any one or more of the following additional services, or other additional services for which fees are charged: 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 of such service. All Scheduled Payments, including recurring payments, will not be processed once your 360 Checking is closed. 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 refund of a cashiers check fee) do not qualify as an eligible deposit. However, were not required to confirm any instruction that looks like it was made by you, and we wont be liable if we dont contact you. For example, this means that any Co-Trustee may: (i) tell us to pay a person or company; (ii) withdraw or transfer the balance without the other Co-Trustees providing consent to Capital One; (iii) make deposits, close or pledge the account to us as collateral for a debt owed to us; (iv) endorse and deposit checks payable to either Co-Trustee or the living trust; or (v) borrow money from us using the Overdraft Line of Credit. Also, if you write a check in an amount that exceeds your Available Balance plus any available Overdraft Protection amount at the time the check is presented to us for payment, well return the check. Payments or transfers you make will be listed on your Statement. If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. We want you to keep your money, not the state! Enrolling in No-Fee Overdraft authorizes us to consider paying transactions that would overdraw your account. We may also require you to present your request in writing within fourteen (14) days. Please remember that you can only make payments to Billers with mailing addresses in one of the 50 United States or with military addresses (APO or FPO).

Our receipt of your bill payment instructions authorizes us to debit your Payment Account and remit funds on your behalf to the designated Biller to allow the funds to arrive at the designated Biller's location as near as reasonably possible to the Scheduled Payment Date designated by you. A Cashier's check purchased at a Capital One location is $10.00. Deposits made to your 360 Checking account will be applied as follows: Foreign checks are handled as collection items only and are converted at our current daily rate and credited in U.S. dollars. If your statement shows transfers that you did not make and you do NOT contact us within sixty (60) days after the statement was made available to you, you may not get back any money lost after the sixty (60) days if we can prove that your contacting us would have prevented those losses. If a payment posts after its Scheduled Deliver By date because the Biller(s) failed to credit your payment promptly after receipt, but you scheduled the payment in accordance with this Agreement and none of the other exceptions set forth in the section titled "Our Responsibility for Payment and Funds Transfers" of this Agreement, we will assist you and your Biller(s) in attempting to resolve any delayed payment issues. If there is such a charge, you should be told how much it is before you complete the withdrawal. Finally, well attempt the $250 transfer. The card is the property of Capital One, and if your account is closed or your card privileges are cancelled, you agree to stop using the card and destroy it. If your daily balance is less than$10,000.00, the interest rate paid on your entire account balance will beNaN%with an annual percentage yield ofNaN.

Except for certain retirement benefits like Social Security, if one person dies, the money in the account then belongs only to the survivor (and not to the estate of the deceased person). By providing us with names and account information of Billers to whom you wish to direct payments, you authorize us to follow your Payment Instructions. Notice of a Wire Transfer Not Executed:If we determine, in our sole discretion, not to honor, execute, or accept a Wire Transfer Request, we will endeavor to notify you, but we shall have no liability for delay or failure to do so. Balance Computation Method We use the daily balance method to calculate the interest on your account. Now you are 100% ready to save your money like never before. You will receive the notice via mail if you have not agreed to receive electronic communications or if you have not provided us with a valid email address. The "Send Money with Zelle" (person-to-person transfers) transactions are subject to limits on the amount and frequency of transfers to and from your account. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: Funds from check deposits may be delayed for up tofourbusiness days if: Funds from check deposits may be delayed for up tofivebusiness days if: We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. All research and resolution for any misapplied, misposted or misdirected payments will be your sole responsibility. IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES OF ANY KIND INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOSSES OR EXPENSES ARISING OUT OF OR IN CONNECTION WITH THE WIRE TRANSFER SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SAME. We may change the 360 Checking Agreement without notice to you when necessary to conform to federal or state law. Generally, all deposits originating from external sources outside Capital One will count toward the consistent deposit requirement. Any payment(s) made to you from such items shall be provisionally credited to your account until we receive final payment from the foreign bank. NO FIDUCIARY OBLIGATION Capital One doesnt assume any fiduciary obligation on your behalf. For example, if you schedule three Bill Pay transfers of $1,000, $500 and $250 for the same business day, but only have $1,250 available (including your Overdraft Line of Credit/ Free Savings Transfer account), well first pay the $1,000 transfer. We and our Service Provider are authorized to report the facts concerning the return to any credit reporting agency. Fees vary on subsequent orders including checkbooks for additional accounts. BILL PAY AND OTHER 360 CHECKING FEATURES ARE PROVIDED AS IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Individual Account. As required by applicable law, we will notify you promptly if it decides to refuse to pay a Biller designated by you as set forth in Prohibited Payments section or Exceptions Payments section of this Agreement. Even if you elected to receive electronic communications from us, there may still be some legal information that we need to send you via the USPS. We reserve the right to verify that you are the owner of the Linked Account. You do have funds to cover this payment, so well process it. We can apply any unpaid amount against your credit limit. The Bill Pay Guarantee, as it applies to any late payment related charges, is void when these types of payments are scheduled and/or processed through the use of the Service. The notice must be in a form acceptable to us and be given within a reasonable period of time for us to act upon the change. This means your balance must be at least a penny. In any case, we shall only be liable for actual proven damages if the failure to make the transaction resulted from a bona fide error despite our procedures to avoid such errors. Likewise, we have a right to reject any Wire Transfer Request(s) for an outgoing Wire Transfer for reasons including, but not limited to, insufficient or uncollected funds in the account specified in the Wire Transfer Request, a request that fails the security procedures outlined in the section on Security Procedures, our inability to execute the Wire Transfer for the reasons set out in the section of this agreement entitled Method Used to Make the Wire Transfer above, or if we are unable to verify the authenticity of the Wire Transfer Request. Termination of Agreement:We may terminate the right to make Wire Transfers at any time or amend or change the terms of this Agreement or cancel this Agreement without advance notice to you.

All internal deposits and/or transfers will not count towards the requirement. Please read this disclosure statement carefully and keep it for future reference.

A Cashier's check purchased online (expedited delivery) is $20.00. Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Biller which does not comply with your Payment Instructions, we will be responsible for returning the improperly transferred funds to your Payment Account , in accordance with the electronic funds transfer disclosures provided to you at account opening, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges. M-134061 If your Account is jointly held (or, in the case of a living trust account, if there are Co-Trustees), the Overdraft Line of Credit Agreement is the joint and several obligation of each of you, and each provision of the Overdraft Line of Credit Agreement applies to each and all of you jointly and severally. How to Request a Wire Transfer:To send a wire transfer, log in to initiate a wire request (Wire Money) using our online wire form. The current Margin for the Overdraft Line of Credit isNaN. We will notify you if we delay the availability of your funds, and we will tell you when you can expect your funds to be available. Now, heres the REALLY interesting stuff You can use your 360 Checking account to instruct us, subject to the terms below, to, on your behalf, (i) pay bills; (ii) mail a cashier's check to any person or business in the U.S. except military addresses or P.O. Well start processing a payment that you schedule through Bill Pay ("Scheduled Payment") and take the payment amount out of your 360 Checking on the date that you select ("Send On Date"). If we require your written confirmation and we do not receive your complaint or question in writing within ten (10) business days, we may not credit your account. If you select a Send On Date that falls on a non-business day, the Send On Date will be the prior business day. The APR for the Overdraft Line of Credit equals the Margin plus the applicable Index. If you tell us to make a payment to a particular Payee and you fail to give us the correct information, we're not responsible or liable for the payment. These limitations may be based on confidential fraud and risk criteria that are essential to our management of risk and the protection of you and the integrity of the service and may be modified at our sole discretion without advance notice.

These limitations may be based on confidential fraud and risk criteria that are essential to our management of risk and the protection of you and the integrity of the service and may be modified at our sole discretion without advance notice. After a cashiers check has been issued, you may not stop, change, or cancel it unless it has been lost, undelivered, destroyed, or was unauthorized. We may refuse to pay an overdraft transaction at any time, even though we may have previously paid overdrafts. We will also tell you if we have already corrected the error. YOUR BILLING RIGHTS: Information on your rights to dispute transactions and how to exercise those rights is provided in the Overdraft Line of Credit Agreement. We reserve the right to reject any Wire Transfer Request. This section is for Customers who have existing lines of credit prior to May 15, 2020. The earliest possible date that your Biller will receive the payment ("Deliver By Date") is typically 4 or fewer business days after the Send On Date. Internal transfers from another Capital One account, a provisional credit for a pending claim, a merchant refund, and credits for fees charged to your account (e.g. Going forward, access depends on regularly depositing money into this account. Notice to any one owner of an account constitutes notice to all owners of that account. We cannot schedule Bill Payments to Billers located outside the United States or any of its territories, any single payment greater than $100,000.00, or payments otherwise prohibited by law. Each customer's first 50 quantity checkbook is free. EVENTS BEYOND OUR CONTROL Well make all reasonable efforts to give you access to your accounts and current and complete account information. If you desire to stop any payment that has already been processed but has not yet cleared your account, you must contact Capital One Customer Service by calling Customer Service at1-877-383-4802. We promise to attempt to research and correct the returned payment and return it to your Biller, or void the payment and credit your 360 Checking. In no event shall we or our Service Providers be liable for any claims or damages resulting from your scheduling of prohibited payments. Initial Deposit Requirement There is no minimum deposit required. At midnight of each business day, well first process electronic fund transfers (other than "Bill Pay" instructions) scheduled for that business day. In order to process payments more efficiently and effectively, we may edit or alter payment data or data formats in accordance with instructions we receive from your Billers. These charges can change at any time. DEPOSITS This account allows you to make deposits by cash, check, Automated Clearing House (ACH), domestic wire transfer or other payment network transfers, or transfer from another eligible Capital One, N.A. If you are a new customer, the following timeline will apply during the first thirty (30) days your account is open. capital referral savings account 1000 promotion checking bonus bonuses refer friend