Safe & Secure Online Guarantee

Keeping your financial information safe and secure is very important to us. In fact, we promise it with our Online Guarantee.

What our Online Guarantee means to you.

It's unlikely that an unauthorized transaction would happen through online banking or that information obtained from the online banking site would result in the unauthorized use of your credit card account.

However, if it ever does occur, Capital One will reimburse you 100% for any unauthorized transactions as long as you didn't share your online banking password with anyone, you let us know about the unauthorized transactions within 30 days and you help us out if an investigation is needed.

Think an unauthorized person has accessed your account?

Let us know as soon as possible by calling 1-800-481-3239 and be sure to assist us as best you can if we have to launch a fraud investigation.

  • How we keep your information safe.
    • Our

      Strong Encryption Technology[x]


      We use 128-bit encryption technology, the strongest form of Web browser encryption available online. It provides a high level of security and privacy for our customers. Capital One requires that our customers use 128-bit encryption when visiting this site.
      strong encryption technology ensures that any data that passes between your computer and our server is secure
    • We occasionally verify your identity with

      Security Questions[x]


      You won't need to answer these questions every time you log in. This is an added layer of protection we've added before certain transactions or if we think someone else might be trying to log in to your account.
      security questions when you log in to Online Banking – this lets us know that you're the only person accessing your account
    • We use firewall systems and intrusion detection software to prohibit unauthorized access to our systems
    • Our VeriSign Secure Socket Layer Certificate means you can be extra confident that banking online with us is secure
    • We automatically send you an alert informing you of any change made to your Online Banking Profile
    • We remind you after 18 minutes of inactivity that you're still logged in to Online Banking – after 20 minutes of inactivity we automatically log you out of your account to prevent unauthorized use
  • How you can keep your information safe.

    • Choose Your Passwords Carefully[x]


      Choose a password that's at least eight (8) characters, has a combination of letters and numbers and is difficult to guess. Avoid using an easily-guessed password such as a common word found in the dictionary, your name, your significant other's name, your pet's name, or your birthday.
      Choose your passwords carefully and don't share them with anyone
    • Never carry your password in your wallet
    • Install and maintain up-to-date firewall and virus protection software on your home computer
    • Use the "LOG OUT" button when you finish checking your transactions on the Capital One Web site and close your browser software
    • Report a lost/stolen card or compromised password immediately
    • Never respond to e-mails looking for personal information, like passwords or account information – we'll never ask for this type of information through e-mail
Read more about our customer fraud protection promise on our Web site and get further information on fraud protection and fraud prevention tips.

For additional information, take a look at the Online Account Services Agreement and your Customer Agreement. This guarantee is governed by the terms of these agreements.