Funding Your Account

How can I deposit money into my Capital One Investing℠ account?

There are 4 ways to deposit money into your Capital One Investing℠ account:

Funds deposited into your Capital One Investing account get parked in the cash balance. You can use these funds to place a trade or to make ShareBuilder® investment plan purchases.

As an alternative, you can pull funds directly from a checking or savings account to pay for your ShareBuilder plan purchases.

Or, use Express Funding to place a trade.

Tip: We don't accept cash deposits. We return cash deposits to the proper owner after we receive them.

How do I withdraw money from my Capital One Investing℠ account?

There are 3 ways to withdraw money from your Capital One Investing℠ account:

Only settled funds held in your cash balance that aren't reserved for trades, other transfers, or holding periods, can be withdrawn from your Capital One Investing account.

How do I fund my account with a one-time electronic funds deposit?

We think it's great you'd like to add money to your Capital One Investing℠ account (it means we must be doing something right, so thank you for the compliment).

To make a one-time or recurring electronic deposit:

  1. Sign in at www.capitaloneinvesting.com
  2. Go to Accounts > Transfer Money > Deposit & Withdrawal (sign in required)
  3. Select the 'From' account for the deposit
  4. The next step is the fun part if you ask me—let us know the date and how much money you'd like to add to your Capital One Investing account (must be a business day; no weekends or holidays, pretty please)
  5. Choose the deposit frequency, then click Next—review the transfer details, then click Submit
  6. Mission Accomplished

Tip: We could bore you with legal jargon, but we aren't that cruel. Instead we just wanted to let you know the funds request deadline is 5 PM ET for funds to be available on the next business day. Any changes you make to your checking or savings account information before that deadline on the day of a requested electronic funds deposit do affect the deposit you requested. You'll want to wait to make any changes until after 5 PM ET.

How do I change the checking or savings account on file with Capital One Investing℠?

Changing your checking or savings account takes about as long as brewing a cup of coffee. Check out the instructions below.

  1. Sign in to www.capitaloneinvesting.com (our favorite website)
  2. Go to Accounts > Transfer Money > Manage Bank Accounts
  3. Find the bank account you want to update and click the Change link next to it
  4. Enter the new information for your bank account and click Next
  5. Verify your account information and authorize the change by entering the last four digits of your Social Security number
  6. Click the Submit button

Tip: We could bore you with legal jargon, but we aren't that cruel. Instead we just wanted to let you know the funds request deadline is 5:00pm (ET) for funds to be available on the next business day.

Can I deposit money from multiple sources into my account?

You sure can deposit money from more than one bank account. However, you can only have one bank account on file at a given time with us.

For example, if you submit a deposit request before the funds deadline for electronic funds transfers (5 PM ET) on one business day, your funds post to your Capital One Investing℠ account the next business day

At that point, you can change your bank account on file to a different bank, and set up a new funds transfer.

As a bonus, If you've connected your Capital One 360 and Capital One Investing accounts, you will be able to instantly transfer money between back and forth, in addition to the linked bank account you have on file with us.

Tip: If you set up multiple funds deposits in one day, all of the deposits are requested from the bank you have on file with Capital One Investing at 5 PM ET, which is the deadline for electronic funds transfers.

Where is my money stored after I make a deposit?

After you make a deposit, the funds go into your Capital One Investing℠ Account's cash balance. Depending on your cash sweep preference, you can either earn interest (if your cash balance preference is FDIC Insured) or you can earn dividends (if your preference is money market). The fancy name for this fund is Dreyfus Government Money Market Fund (symbol "DGCXX").

You can learn more about the cash balance by clicking here.