Reddit
reddit.com › r/banking › capital one not allowing ach transfers
Capital One Not Allowing ACH Transfers : r/Banking
July 13, 2024 - Corporate should be able to pull through a payment portal without you have to do anything besides providing acct and routing. If it’s an individual, does Capital One offer KTP transfers? Transfer limits tend to be higher than Zelle. ... I tried to do an ACH transfer from my personal CapOne account to my business account in another bank.
JustAnswer
justanswer.com › software › rquyq-instant-external-account-transfer.html
Instant Transfer from Capital One to Chase: How-To
April 12, 2025 - Capital One requires micro-deposit verification to link external accounts, causing transfer delays. To expedite, ensure the micro-deposits are confirmed promptly in your Capital One app. For urgent transfers, use Zelle or wire transfers, which process faster than ACH.
Bank says ACH can only be to your own accounts
No, very few banks allow ACH transfers to accounts not in your name for personal accounts. Why can't you just use Zelle or similar? More on reddit.com
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May 1, 2022Capital One Not Allowing ACH Transfers
Do they do online bill pay, where they'll send him a check? More on reddit.com
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July 13, 2024Capital One bank transfer
only to find I can’t make bank transfers between other people’s accounts This is normal behavior and you should expect this. Is there any way to solve this? You can send them a check or use other peer-to-peer money transfer methods such as Cash app, Paypal, Venmo... Some context- I’m going to college and my parents want to be able to transfer money to my account. Amount is probably going to be larger than peer-to-peer transfers allow. Get a joint account with your parents. It's the easiest way to do it for your purpose. More on reddit.com
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May 14, 2022Transferring money to someone else’s 360 account
Not using an standard ACH transfer... you can only "link" accounts that are owned by you. Try using Zelle. You will have to register either your email or phone number with Zelle, and your partner can do the same on his account. Depending on how much you want to transfer, you may have to send a smaller amount first. There are 2 ways to do this: From the "Home" screen, there should be a thing that says "I want to..." It may have "Send Money with Zelle" as an option. If not, click on "VIEW ALL." Under the full "I want to" list, under "Manage transfers and payments," you should see options for Zelle. Go to the "Pay/Move" tab in the app. You may see a link for Zelle there. If not, click on "Pay" at the top. Worst case scenario you could order a cashiers check or wire transfer, but those cost money. More on reddit.com
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April 30, 2025Videos
08:41
How to Transfer Money from Capital One to Another Bank (Step-by-Step) ...
01:25
How to Transfer Funds Between Account on Capital One - YouTube
01:28
How to do a Wire Transfer with Capital One 360 - YouTube
02:09
How to Add an External Bank Account to Capital One Checking Account ...
- YouTube
Reddit
reddit.com › r/capitalone_ › transferring money to someone else’s 360 account
r/CapitalOne_ on Reddit: Transferring money to someone else’s 360 account
April 30, 2025 -
My partner recently opened an account under their name. Is possible for me to send money from my 350 account to theirs? I tried adding it as an external bank account but that didn’t work. It mentioned using the P2P feature but I’m not able to find that in the site/app. Any info on how to do this would be appreciated. TIA!
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Not using an standard ACH transfer... you can only "link" accounts that are owned by you. Try using Zelle. You will have to register either your email or phone number with Zelle, and your partner can do the same on his account. Depending on how much you want to transfer, you may have to send a smaller amount first. There are 2 ways to do this: From the "Home" screen, there should be a thing that says "I want to..." It may have "Send Money with Zelle" as an option. If not, click on "VIEW ALL." Under the full "I want to" list, under "Manage transfers and payments," you should see options for Zelle. Go to the "Pay/Move" tab in the app. You may see a link for Zelle there. If not, click on "Pay" at the top. Worst case scenario you could order a cashiers check or wire transfer, but those cost money.
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P2P is the old version of Zelle. Use Zelle as the previous commenter suggested. You can also open a joint 360 savings account. Then you put the money you want to transfer in there and your partner can pull it out into their 360 checking all instantly.
Reddit
reddit.com › r/personalfinance › bank says ach can only be to your own accounts
r/personalfinance on Reddit: Bank says ACH can only be to your own accounts
May 1, 2022 -
Tried to register my wife's account to do a ACH External Transfer without success. We called the bank and they said you can only do an ACH to an account where you are an account holder (joint or single). I know Zelle and Venmo, but I was surprised to learn the only other way is a Wire Transfer. Is this Capital One specific?
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No, very few banks allow ACH transfers to accounts not in your name for personal accounts. Why can't you just use Zelle or similar?
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Banks do this to avoid ACH fraud. If you can add a stranger's account (all you need is routing/acct # which are on personal checks), you can theoretically pull money from it without authorization.
Capital One
capitalone.com › bank › money management › banking basics › how to transfer money
How to transfer money to another bank account | Capital One
With Zelle® for example, you’d use the application directly from your Capital One mobile app, follow enrolled instructions and enter information such as the email address or U.S. mobile phone number of the person you’re paying and the amount you’d like to send. According to Zelle, if you and the recipient are both enrolled, sending or receiving money should take just minutes.1 · When using apps to transfer money online to a bank account, always be sure that you’re paying the person you intended, as transactions can’t usually be reversed.
Capital One
capitalone.com › learn & grow › money management › ach payments
What Are ACH Payments and How Do They Work? | Capital One
Inexpensive: If you need to send money to a friend, an ACH transaction through a money transfer app—such as Venmo or PayPal®—may be less expensive than a traditional wire transfer.
Capital One
capitalone.com › help center › checking & savings › transfer funds
Transfer money | Capital One Help Center
Sign in to your account online or with the Capital One Mobile app. Text "GET" to 80101 to download the app. Select an account and choose “Transfer” or “Transfer Money” at the top of your account page.
Wise
wise.com › us › blog › capital-one-transfer-limit
Capital One transfer limits [2024] - Wise
June 24, 2024 - We’ll walk through the Capital One transfer fees a little later - but first, the Capital One transfer limits you should know about. Here’s a quick overview²: There are a couple of other limits you might want to know about when you bank with Capital One: ... In both cases Capital One has limits which are in place to prevent fraud and protect customers. These limits can change without advance notice and can be different from one account to another³.
Capital One
capitalone.com › bank › disclosures › checking-accounts › online-checking-account
360 Checking Account Disclosures | Capital One
You can use your account to instruct us, subject to the terms below, to, on your behalf, (i) pay bills; (ii) mail a cashier's check to any person or business in the U.S. except military addresses or P.O. boxes; (iii) make a payment to another person using the “Send Money with Zelle®” feature; (iv) transfer money to or from your own accounts at Capital One or other financial institutions; and (v) send an outgoing domestic wire.
Capital One
capitalone.com › learn & grow › money management › what are faster payments?
What are Faster Payments? | Capital One
When money is transferred from one financial institution to another, payments can be settled immediately or deferred. The difference may go unnoticed if you’re the person receiving the funds. And deferred settlement may only take minutes.
Capital One
capitalone.com › learn & grow › money management › ach transfer vs. wire transfer
ACH vs. Wire Transfers: What’s the Difference? | Capital One
But if you have a choice, ACH transfers offer a cost-effective way to transfer money to a friend or family member for those flexible with scheduling. A wire transfer is more likely to go through on the same day, but it may come with a fee. ... You're leaving the Capital one website and heading to an external site.
Wells Fargo
wellsfargo.com › online-banking › transfers
Transfer Money Online - Wells Fargo
It’s easy to transfer money online between Wells Fargo accounts, to another person, or to another financial institution.
Capital One
capitalone.com › learn & grow › money management › ways to transfer money
Ways to Transfer Money: 6 Apps & Other Options | Capital One
Capital One customers can send money with Zelle® directly through the Capital One Mobile app. In addition to person-to-person (P2P) payments using digital payment services, some other ways to transfer money to someone include Automated Clearing House (ACH) transfers, wire transfers and sending a check.
Capital One
capitalone.com › help center › checking & savings › transfers from other banks
Transfers from other banks | Capital One Help Center
External business accounts are not eligible to be linked to personal accounts. ... Click on “Transfer” or “Transfer Money” next to your balance. ... Tap “Transfer” or “Transfer Money” under the “I Want To” menu located below your balance. ... Make a transfer now.
NerdWallet
nerdwallet.com › banking › learn › ach-transfers
ACH Transfers: What They Are, How They Work and How Much They Cost - NerdWallet
November 7, 2025 - ACH transfers include external funds transfers, person-to-person payments, bill payments and direct deposits from employers and government benefit programs. Business-to-business payments are another example.
Capital One
capitalone.com › bank › disclosures › savings-accounts › online-performance-savings-account
Performance Savings Account Disclosures | Capital One
You "link" your Savings account ... our automated phone system, our sales and service call center, or … the easiest thing to do is use our website - www.capitalone.com/bank to transfer money between your eligible Capital One, N.A....
U.S. Bank
usbank.com › online-mobile-banking › transfer-money.html
Online money transfer | Transfer money | U.S. Bank
December 4, 2025 - Yes. U.S. Bank processes electronic transfer funds via the Automated Clearing House (ACH) secure network. This is the same network used by the Federal Reserve to clear checks between financial institutions.
Capital One
capitalone.com › help center › checking & savings › send and receive a wire transfer
Send and receive a wire transfer | Capital One Help Center
Learn how to send and receive wire transfers with our SWIFT code and your Capital One account info.
Discover
discover.com › home › ach vs. wire transfer: what’s the difference?
ACH vs. wire transfer: What’s the difference? ACH vs. wire transfers | When to use each | Discover
September 17, 2025 - While both allow you to send money electronically—often from the comfort of your own computer or mobile device—there are some key differences worth understanding in order to fully assess ACH vs. wire transfer technology. An ACH payment moves funds electronically between verified customer bank accounts through the automated clearing house network at different financial institutions. Developed in the early 1970s as a more efficient alternative to paper checks, the ACH system has since become one of the primary methods of electronic money movement.
Bank of America
bankofamerica.com › onlinebanking › education › ways-to-send-money.go
Ways to Send Money Online from ...
June 24, 2025 - If you have the recipient’s account number and routing number, there is another way you can transfer money from your bank account into that account. A routing number—also known as a bank routing number or ABA number—is a nine-digit code that identifies where an account is located. You might use this method, also known as an ACH transfer, for sending smaller amounts of money to someone you send to regularly; for larger amounts, a wire transfer is another option.