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


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, don't worry – as a Capital One® cardholder, you’re protected. We provide Zero Liability for unauthorized use of your account. That means you won’t be liable for any unauthorized transactions on your account, as long as you meet these conditions:

  1. You've used reasonable care in safeguarding your account number and card, your PIN and your password;
  2. You haven't contributed to any unauthorized use of your account; and
  3. You notify us immediately if your account number or card is lost or stolen, if somebody discovers your PIN or if a person uses your account without your permission.

Check the terms and conditions of your account for more information on protection from unauthorized use.

Read more about our customer fraud protection promise on our website 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.