What is the routing number for Capital One? Find the right one for your account with our guide.
- Capital One Direct Deposit Authorization
- Capital One Money Account Direct Deposit
- Direct Deposit
- Capital One Direct Deposit Times
- Capital One Direct Deposit Routing Number
- Capital One Direct Deposit Void Check
- Capital One Direct Deposit Address
- Sign In: Sign in to access your Capital One account(s).
- When you'll need a CAPITAL ONE, N.A. A routing number is required in a variety of situations, including setting up direct deposit, automatic loan payments or recurring transfers like bill payments.
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- Capital One Routing Numbers by State
- Other Ways to Find Your Capital One Routing Number
- Routing Numbers for Domestic and International Wire Transfers
Routing numbers are 9-digit numbers that banks use to identify themselves. Think of them as addresses that let other banks know where to find your money.
You need your routing number for many tasks, including:
- ACH payments
- Setting up direct deposit
- Receiving benefits from the government, including tax refunds
- Transferring money between accounts at different banks or investment firms
- Automatic bill payment
- Domestic wire transfers
Capital One has two routing numbers associated with their two business entities, Capital One Bank (USA), N.A. and Capital One, N.A.
Keep reading to find the right Capital One routing number for your transactions.
Capital One savings accounts use the same routing numbers as checking accounts.
Capital One Routing Numbers by State
Your routing number is associated with the institution or entity where you opened your account. You can find that entity on your bank statement located to the right of your account number.
Here are the routing numbers by bank institution:
Bank Institution | Routing Number |
---|---|
Capital One Bank (USA), N.A. | 051405515 |
Capital One, N.A. | 056073502 |
If you are unsure what institution holds your money, keep reading for other ways to find your Capital One routing number.
Is There a Routing Number on Your Debit or Credit Card?Although your debit card is associated with a bank account, you do not use a routing number for debit card transactions. Routing numbers are only used for transfers directly between bank accounts.
Likewise, credit cards do not have routing numbers since they are not directly linked to any bank account.
Other Ways to Find Your Capital One Routing Number
Use a Check
Find the routing number in the lower left-hand corner of the check corresponding to your checking account. It's the first 9 digits located at the bottom of each check.
Find the routing number in the lower left-hand corner of the check corresponding to your checking account. It's the first 9 digits located at the bottom of each check.
Go Online
Access your online bank statement by logging in to your account. To the right of your account number will be your Capital One bank entity. Once you know your bank entity, you can determine your routing number using the list provided above.
Access your online bank statement by logging in to your account. To the right of your account number will be your Capital One bank entity. Once you know your bank entity, you can determine your routing number using the list provided above.
Call Customer Service
If you don't have online checking or a check handy, call Capital One at 888-810-4013. After you provide a few details to identify yourself, a representative will be able to confirm your account's routing number.
If you don't have online checking or a check handy, call Capital One at 888-810-4013. After you provide a few details to identify yourself, a representative will be able to confirm your account's routing number.
Breaking down your routing number
The first four digits pertain to the Federal Reserve. The next four digits are unique to your bank. Consider those the bank's address for the Federal Reserve. The final digit is a mathematical calculation of the first eight digits—it's used to prevent check fraud.
The first four digits pertain to the Federal Reserve. The next four digits are unique to your bank. Consider those the bank's address for the Federal Reserve. The final digit is a mathematical calculation of the first eight digits—it's used to prevent check fraud.
Routing Numbers for Domestic/International Wire Transfers
Wire transfers are a faster way to send money than an ACH transfer, though they typically cost a small fee. In order to send a wire, you'll need to fill out Capital One's Outbound Wire Request Form and mail/fax it for processing.
To Make a Domestic Wire Transfer
Use the routing number that corresponds with your account's bank entity. The Capital One Bank (USA), N.A. routing number for wire transfers is the same as the routing number used for direct deposits and ACH transfers.
Use the routing number that corresponds with your account's bank entity. The Capital One Bank (USA), N.A. routing number for wire transfers is the same as the routing number used for direct deposits and ACH transfers.
Bank Institution | Routing Number |
---|---|
Capital One Bank (USA), N.A. | 051405515 |
Capital One, N.A. | 056073612 |
Capital One Wire Transfer Fees
Incoming (Domestic and International): $15.00
Outgoing (Domestic): $25.00
Outgoing (International) in foreign currency: $40.00
Outgoing (International) in USD: $50.00
Incoming (Domestic and International): $15.00
Outgoing (Domestic): $25.00
Outgoing (International) in foreign currency: $40.00
Outgoing (International) in USD: $50.00
You'll also need the following information for domestic wires:
- The name of the person to whom you're wiring funds (the 'beneficiary') as it appears on their account
- The name and address of the beneficiary's bank
- The routing number of the beneficiary's bank
- The beneficiary's account number
To Make an International Transfer
Use the Capital One SWIFT code HIBKUS44.
Use the Capital One SWIFT code HIBKUS44.
SWIFT (Society for Worldwide Interbank Financial Telecommunication) codes are the international equivalents of the US routing numbers. They direct the money to the correct bank for international transfers.
You'll also need the following information for international wires:
- The name of the person to whom you're wiring funds (the 'beneficiary') as it appears on their account
- The name and address of the beneficiary's bank
- The beneficiary's bank account number; for many international transfers, this is called the IBAN number
- The SWIFT code of your bank and the bank you are sending to
- Currency being sent
- Purpose of transaction
Before submitting a wire transfer for processing, it's a good idea to double-check you have all the necessary information entered correctly.
Capital One's wire transfer format can differ depending on which country you are sending funds to. See a complete list of the information required for Capital One international wire transfers in their transfer guide here.
Which Capital One Routing Number Should You Use?
Domestic Money Transfer Activity
Use the ABA routing number associated with your account's Capital One entity:
Use the ABA routing number associated with your account's Capital One entity:
Bank Institution | Routing Number |
---|---|
Capital One Bank (USA), N.A. | 051405515 |
Capital One, N.A. | 056073502 |
Domestic Wire Transfers
Use the Capital One wire transfer routing number associated with your account's Capital One entity:
Use the Capital One wire transfer routing number associated with your account's Capital One entity:
Bank Institution | Routing Number |
---|---|
Capital One Bank (USA), N.A. | 051405515 |
Capital One, N.A. | 056073612 |
International Wire Transfers
Use Capital One SWIFT code HIBKUS44.
Use Capital One SWIFT code HIBKUS44.
Bottom Line
You'll likely need your Capital One routing number when managing your finances. Keep it handy should you need to set up a direct deposit, automatic payment, or wire transfer.
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Read Next:
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Savings & Money Market Accounts
- InterestPlus Online Savings
- High Yield Money Market
- Business Money Market
- Online Savings Account
Checking Accounts
- Interest Online Checking
Capital One Direct Deposit Authorization
Associated Certificates of Deposit
- Certificates of Deposit
![Capital one direct deposit post time Capital one direct deposit post time](/uploads/1/3/6/6/136615102/250803984.png)
The information and the links on this page are only related to the Capital One Bank Products listed below.
Savings & Money Market Accounts
- InterestPlus Online Savings
- High Yield Money Market
- Business Money Market
- Online Savings Account
Capital One Money Account Direct Deposit
Checking Accounts
- Interest Online Checking
Associated Certificates of Deposit
- Certificates of Deposit
- EFT Agreement Form for Certificate of Deposit Interest PaymentsAuthorizes Capital One to electronically transfer earned interest from a customer's Capital One Certificate of Deposit to a personal checking or savings account on a monthly or quarterly basis.Download EFT Agreement Form for Certificate of Deposit Interest Payments (422KB PDF)
- Direct Deposit Information FormInformation you'll need to provide to your employer to begin direct deposit to your Capital One Banking account.Download Direct Deposit Form (616KB PDF)
- Account Owner and Beneficiary Change FormAuthorizes Capital One to revise account owner and/or beneficiary elections for an open account. Please note, this form cannot be used for business accounts.Download Account Owner and Beneficiary Change Form (126KB PDF)
- Customer Removal Authorization FormAuthorizes Capital One to remove an existing account holder from an opened account.Download Customer Removal Authorization Form (144KB PDF)
- Indemnity Agreement FormAuthorizes Capital One to cancel a Capital One check which was previously issued at the customer's request but not received.Download Indemnity Agreement Form (156KB PDF)
- Authorized Signer Modification FormAuthorizes Capital One to add a signer or modify an authorized signer.Download Authorized Signer Modification Form (170KB PDF)
General Forms
- EFT Agreement Form for Certificate of Deposit Interest PaymentsAuthorizes Capital One to electronically transfer earned interest from a customer's Capital One Certificate of Deposit to a personal checking or savings account on a monthly or quarterly basis.
- Direct Deposit Information FormInformation you'll need to provide to your employer to begin direct deposit to your Capital One Banking account.
- Account Owner and Beneficiary Change FormAuthorizes Capital One to revise account owner and/or beneficiary elections for an open account. Please note, this form cannot be used for business accounts.
- Customer Removal Authorization FormAuthorizes Capital One to remove an existing account holder from an opened account.
- Indemnity Agreement FormAuthorizes Capital One to cancel a Capital One check which was previously issued at the customer's request but not received.
- Authorized Signer Modification FormAuthorizes Capital One to add a signer or modify an authorized signer.
- InterestPlus Online Savings Account Acceptance FormProvides Capital One the authority to maintain an account, certifies that the taxpayer identification number is correct and acts as the signature card for the account. This form cannot be used as an initial application for a new account or to add or update owners on an already existing account.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern TimeInterestPlus Online Savings Account Acceptance Form (106KB PDF)
- Money Market Account Acceptance FormProvides Capital One the authority to maintain an account, certifies that the taxpayer identification number is correct and acts as the signature card for the account. This form cannot be used as an initial application for a new account or to add or update owners on an already existing account.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.Download Money Market Account Acceptance Form (149KB PDF)
- Certificate of Deposit Acceptance FormProvides Capital One the authority to maintain an account, certifies that the taxpayer identification number is correct and acts as the signature card for the account. This form cannot be used as an initial application for a new account or to add or update owners on an already existing account.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.Download Certificate of Deposit Acceptance Form (199KB PDF)
Acceptance Forms
- InterestPlus Online Savings Account Acceptance FormProvides Capital One the authority to maintain an account, certifies that the taxpayer identification number is correct and acts as the signature card for the account. This form cannot be used as an initial application for a new account or to add or update owners on an already existing account.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time
- Money Market Account Acceptance FormProvides Capital One the authority to maintain an account, certifies that the taxpayer identification number is correct and acts as the signature card for the account. This form cannot be used as an initial application for a new account or to add or update owners on an already existing account.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.
- Certificate of Deposit Acceptance FormProvides Capital One the authority to maintain an account, certifies that the taxpayer identification number is correct and acts as the signature card for the account. This form cannot be used as an initial application for a new account or to add or update owners on an already existing account.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.
- Corporate Certificate of AuthorityAllows all listed individuals acting on behalf of the Business authority and control over the account. The signers listed on this form must match the names listed on the account Acceptance Form. This form should not be used to add or update corporate signers. It must be used in conjunction with an Acceptance Form to ensure we collect all required information about the signers.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.Download Corporate Certificate of Authority Form (131KB PDF)
- Partnership Certificate of AuthorityAllows all listed individuals acting on behalf of the Business authority and control over the account. The signers listed on this form must match the names listed on the account Acceptance Form. This form should not be used to add or update corporate signers. It must be used in conjunction with an Acceptance Form to ensure we collect all required information about the signers.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.Download Partnership Certificate of Authority Form (109KB PDF)
- Nonprofit Certificate of AuthorityAllows all listed individuals acting on behalf of the Business authority and control over the account. The signers listed on this form must match the names listed on the account Acceptance Form. This form should not be used to add or update corporate signers. It must be used in conjunction with an Acceptance Form to ensure we collect all required information about the signers.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.Download Nonprofit Certificate of Authority Form (117KB PDF)
- Limited Liability Company Certificate of AuthorityAllows all listed individuals acting on behalf of the Business authority and control over the account. The signers listed on this form must match the names listed on the account Acceptance Form. This form should not be used to add or update corporate signers. It must be used in conjunction with an Acceptance Form to ensure we collect all required information about the signers.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.Download Limited Liability Company Certificate of Authority Form (184KB)
Direct Deposit
'>Certificate of Authority Forms
- Corporate Certificate of AuthorityAllows all listed individuals acting on behalf of the Business authority and control over the account. The signers listed on this form must match the names listed on the account Acceptance Form. This form should not be used to add or update corporate signers. It must be used in conjunction with an Acceptance Form to ensure we collect all required information about the signers.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.
- Partnership Certificate of AuthorityAllows all listed individuals acting on behalf of the Business authority and control over the account. The signers listed on this form must match the names listed on the account Acceptance Form. This form should not be used to add or update corporate signers. It must be used in conjunction with an Acceptance Form to ensure we collect all required information about the signers.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.
- Nonprofit Certificate of AuthorityAllows all listed individuals acting on behalf of the Business authority and control over the account. The signers listed on this form must match the names listed on the account Acceptance Form. This form should not be used to add or update corporate signers. It must be used in conjunction with an Acceptance Form to ensure we collect all required information about the signers.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.
- Limited Liability Company Certificate of AuthorityAllows all listed individuals acting on behalf of the Business authority and control over the account. The signers listed on this form must match the names listed on the account Acceptance Form. This form should not be used to add or update corporate signers. It must be used in conjunction with an Acceptance Form to ensure we collect all required information about the signers.To obtain the required form to add or update a Corporate Account owner, please contact us by calling one of our Banking representatives at 1-866-871-7932, Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.Download Limited Liability Company Certificate of Authority Form (184KB)
Capital One Direct Deposit Times
Contact UsCapital One Direct Deposit Routing Number
If you need any assistance with a form, please call us at: 1-888-810-4013
Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.
Capital One Direct Deposit Void Check
Where to send correspondence to:
Capital One Banking
PO Box 180
St Cloud, MN 56302-0180
Capital One Banking
PO Box 180
St Cloud, MN 56302-0180
General Correspondence Fax Number:
1-877-650-3528
Attn: CORR
1-877-650-3528
Attn: CORR
Forms require Acrobat Reader to be viewed.Adobe Acrobat is available free for download
Capital One Direct Deposit Address
'>Contact Us
If you need any assistance with a form, please call us at: 1-888-810-4013
Monday through Friday, 8 a.m. to 7 p.m. Eastern Time.
Where to send correspondence to:
Capital One Banking
PO Box 180
St Cloud, MN 56302-0180
Capital One Banking
PO Box 180
St Cloud, MN 56302-0180
General Correspondence Fax Number:
1-877-650-3528
Attn: CORR
1-877-650-3528
Attn: CORR
Forms require Acrobat Reader to be viewed.Adobe Acrobat is available free for download