![]() ![]() Upon your request, we will inform you of whether or not a credit report was requested and, if so, the name and address of each agency that provided this report.Ĭonfidentiality. For your protection, you agree that we may order a consumer credit report on you from a credit reporting agency. ![]() We may also require additional proof of identity, such as a driver's license. A Tax Identification Number is also required to open the account. When you open an account, we will ask for your name, street address (a post office box may not be used), date of birth, and other information that will allow us to identify you. To help the government fight the funding of terrorism and money laundering activities, federal law requires that all financial institutions obtain, verify and record information that identifies each person who opens an account. Important information about procedures for opening a new account. address to open and maintain the account. citizens and permanent residents of the 50 United States and the District of Columbia. ![]() Where none of the above stated rules apply, the transactions covered by this agreement shall be governed by the laws of the Commonwealth of Virginia, including Article 4A of the Virginia Uniform Commercial Code.Ĭustomer eligibility. Electronic transfers sent or received through an automated clearing house are subject to the rules of the National Automated Clearing House Association (NACHA). Your rights and obligations with respect to such transfers will be governed and construed in accordance with Regulation J, Subpart B - Funds Transfers through Fedwire, and the applicable Federal Reserve Bank Operating Circular. If any part of this agreement is determined by any court to be invalid or unenforceable, the rest of the agreement will still remain in full force and effect.įurthermore, we may accept, on your behalf, payments to your account that are not subject to the Electronic Funds Transfer Act (Regulation E). This agreement, as well as the operation of your account, is governed by federal laws and regulations and, to the extent applicable, the laws of the Commonwealth of Virginia. The Privacy and Opt-Out Notice, Online Banking Terms and Conditions Agreement, Online Banking External Funds Transfer Agreement and Rate Sheet are available on our website, Laws governing this agreement. The words each "you" or "your" refer to each owner of the account. The words "Capital One Bank", "our," "we," or "us" means Capital One, N.A., as applicable. If you ever add a new service to this account, your use of that service counts as your acceptance of the rules and regulations in effect at the time. Please read and keep a copy of this Agreement for your records. By opening or continuing to maintain an account with us, you agree to be bound by the applicable provisions of this Agreement, and all applicable agreements, disclosures, and other documents, as well as by all applicable federal or state laws, statutes and regulations. Specifically incorporated by reference into this Agreement, as applicable, are the following, also as may be amended from time to time: Rate Sheet, Deposit Receipt, Privacy Notice, Schedule of Fees and Charges, Online Banking Terms and Conditions Agreement, Online Banking External Funds Transfer Agreement, and any other agreement pertaining to services for which you have contracted in connection with your money market or savings account. This Account Agreement (herein after referred to as "Agreement"), as may be amended from time to time, constitutes the deposit contract which governs all consumer money market and savings accounts with Capital One Bank. ![]()
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