The fastest way to withdraw from Capital One 360

Capital One 360 is an online bank with no physical branches, so you cannot walk into a location and withdraw cash at a teller window. Instead, you have three main routes: use the ATM network, transfer money to another bank account, or request a check by mail.

The quickest option for cash is the ATM network. Capital One 360 reimburses ATM fees charged by other banks, so you can use any ATM in the Allpoint or MoneyPass network without paying out of pocket. You can withdraw up to your daily limit, which Capital One 360 sets at $1,000 per day by default, though you can request a higher limit by contacting customer service.

If you need the money in your own bank account instead of as cash, an internal transfer to another bank takes one to two business days. A check request takes five to ten business days by mail.

Key Takeaways

  • Capital One 360 reimburses ATM fees when you use Allpoint or MoneyPass network machines, so you pay nothing to withdraw cash anywhere.
  • Your daily ATM withdrawal limit is $1,000 by default, but you can contact Capital One 360 to request a higher amount.
  • Transfers to another bank account arrive in one to two business days and cost nothing.
  • Requesting a check by mail takes five to ten business days and is the slowest option, but works if you need to pay someone who does not accept electronic transfers.

Using an ATM to withdraw cash

Find an ATM in the Allpoint or MoneyPass network by using the ATM locator on Capital One 360's website or mobile app. Enter your location and the app will show you nearby machines. When you arrive at the ATM, insert your Capital One 360 debit card, enter your PIN, and select the withdrawal amount. The machine will dispense cash and print a receipt.

Capital One 360 charges you nothing for the withdrawal. If the ATM operator charges a fee (some independent machines do), Capital One 360 will refund it to your account within one to three business days. You do not need to request the refund—it happens automatically when the fee posts.

If you reach your daily limit of $1,000, you cannot withdraw more that day. Call Capital One 360 customer service at the number on the back of your card to request a temporary or permanent increase. They can raise your limit while you are on the phone, though the new limit takes effect the next business day.

Transferring money to another bank account

Log into your Capital One 360 account online or through the mobile app. Select "Transfer Money" or "Send Money" (the exact wording varies by app version). Choose "Transfer to another bank" and enter the receiving bank's routing number and your account number at that bank.

Capital One 360 will ask you to verify the receiving account by depositing two small amounts (usually under $1 each) into it. Check your statement at the other bank, find those two amounts, and enter them back into Capital One 360 to confirm you own the account. This verification step takes one to two business days.

Once verified, you can transfer money anytime. The transfer itself takes one to two business days to arrive. There is no fee for outgoing transfers from Capital One 360.

Requesting a check by mail

Open your Capital One 360 account online or in the app and look for "Request a Check" or "Order Checks" in the menu. Enter the amount you want the check to be for and the mailing address where you want it sent. Capital One 360 will deduct that amount from your account immediately.

The check arrives by mail in five to ten business days. If you need it faster, this is not the right option. If the check is lost or never arrives, contact Capital One 360 and they can issue a replacement, though that adds another five to ten days.

Requesting a check costs nothing, but you are paying for postage through the delay. Use this method only when you need to pay someone who requires a paper check and cannot wait for a transfer.

What to do if you cannot access your account

If you forgot your password, use the "Forgot Password" link on the Capital One 360 login page. You will be asked to verify your identity using your Social Security number and other personal information. Once verified, you can reset your password and log in.

If your debit card is lost or stolen, call Capital One 360 immediately at the number on your statement or online account. They will deactivate the card right away and can issue a replacement by mail in five to seven business days. Until the new card arrives, you can still withdraw money using the ATM locator to find machines and using your PIN, or you can transfer money to another bank account.

If you are locked out of your account for security reasons, Capital One 360 will contact you by phone or email with next steps. Answer their verification questions and they will unlock your account.

Daily limits and how to change them

Capital One 360 sets your default daily ATM withdrawal limit at $1,000. This means you can take out up to $1,000 in cash per day across all ATMs. The limit resets at midnight Eastern Time each day.

To increase your limit, call Capital One 360 customer service at the number on the back of your debit card or in your online account. Tell them the new limit you want. They can usually approve an increase on the spot, and it takes effect the next business day. There is no fee to change your limit.

If you try to withdraw more than your limit, the ATM will decline the transaction. You can make another withdrawal the next day, or you can call Capital One 360 to request a temporary increase for that day.

Fees and refunds

Capital One 360 charges no fees for ATM withdrawals at Allpoint or MoneyPass machines. If an ATM operator charges you a fee, Capital One 360 refunds it automatically within one to three business days—you do not need to ask.

Transfers to other banks cost nothing. Requesting a check by mail costs nothing. The only cost you might face is if you use an ATM outside the Allpoint or MoneyPass network and the operator charges a fee that Capital One 360 does not refund, though this is rare because Capital One 360's network is very large.

If you are charged a fee that should have been refunded, log into your account and look for the transaction. If the refund has not appeared within three business days, contact Capital One 360 customer service with the date and amount of the fee.

Frequently Asked Questions

Can I withdraw money at a Capital One bank branch?

No. Capital One 360 is an online-only bank and has no physical branches. You must use an ATM, transfer to another bank, or request a check by mail. If you need to withdraw cash in person at a branch, you would need to open an account with a different bank that has physical locations.

How long does it take to transfer money to another bank?

One to two business days after you initiate the transfer. The first time you transfer to a new bank account, you must verify ownership by confirming two small deposits, which adds one to two business days before the transfer can go through. After that, transfers to the same account are faster.

What happens if I try to withdraw more than my daily limit?

The ATM will decline the transaction and you will not be able to complete the withdrawal. You can try again the next day when your limit resets, or you can call Capital One 360 to request a temporary increase for that day. They can usually approve it while you are on the phone.

Do I have to pay a fee if an ATM charges me?

No. Capital One 360 refunds ATM fees automatically within one to three business days when you use an Allpoint or MoneyPass machine. The refund happens without you asking for it. If the refund does not appear after three days, contact customer service.

Can I request a check for someone else's name?

No. The check will be issued in the name of the account holder. If you need to pay someone else, transfer money to their bank account or withdraw cash and give it to them directly.