Direct Deposit Time

• Direct Deposit Time Frame
• Time Direct Deposit Comes In

Most deposits into 360 Performance Savings, 360 Savings, 360 Money Market, and Kids Savings Accounts are subject to a 4 business day hold before they can be withdrawn.

A direct deposit can help you save time, save money and is a convenient way to ensure your funds are available as soon as possible. A direct deposit is an electronic transfer of funds from an organization such as your employer, a retirement plan or the Social Security Administration, directly to your checking account or Regions Now Card®. If your bank posts in real time then a direct deposit will show up shortly after it arrives as long as the payment date is current or in the past and the various audit and fraud tests pass. If the bank posts at the end of the banking day (usually 3:00 PM local time) then all deposits will be available at the beginning of the next banking day. Combining direct deposit with electronic filing is the fastest way to receive your refund. IRS issues more than 9 out of 10 refunds in less than 21 days. Taxpayers who used direct deposit for their tax returns also received their economic impact payments quicker. You can track your refund using our Where’s My Refund? How long direct deposit takes depends typically on each company’s pay schedule, but most employers now offer direct deposit as an option, and some even require it, depending on your state. Having direct deposit means paychecks are automatically added into a designated bank account every pay cycle. In fact, the IRS expects nine out of 10 taxpayers will receive their refund within 21 days of when they file electronically with direct deposit, as long as there are no issues with their tax.

In general, deposits into Essential Checking, Essential Savings, 360 Checking, Total Control Checking, Money, and Confidence Savings Accounts are available the next business day.

Direct Deposit Time Frame

Checks drawn from another Capital One, N.A. account will be available the next business day.

Electronic deposits that are automatically initiated outside the bank - like Direct Deposit or Social Security benefits - are generally available immediately. Cash deposited via one of our deposit taking ATMs and transfers between Capital One 360 and Capital One Bank accounts are also available immediately.

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Most deposits into 360 Performance Savings, 360 Savings, 360 Money Market, and Kids Savings Accounts are subject to a 4 business day hold before they can be withdrawn.

In general, deposits into Essential Checking, Essential Savings, 360 Checking, Total Control Checking, Money, and Confidence Savings Accounts are available the next business day.

Checks drawn from another Capital One, N.A. account will be available the next business day.

Time Direct Deposit Comes In

Electronic deposits that are automatically initiated outside the bank - like Direct Deposit or Social Security benefits - are generally available immediately. Cash deposited via one of our deposit taking ATMs and transfers between Capital One 360 and Capital One Bank accounts are also available immediately.