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Essential Checking Explanation of Various Key Services and ChargesHere are some details about Essential Checking services.Key Account Terms and ChargesMonthly Service Charge 8.95Includes free debit cards, use of Capital One image-enabled ATMs andaccess to our extensive branch network.Balance Requirement toAvoid Monthly ServiceCharge 300 or a directdeposit of at least 250 No monthly service charge when you keep a minimum daily balance of 300or more in this account ORMinimum Deposit toOpen Account 50A minimum deposit required at time of account opening.Pays InterestNoThis account does not earn interest.Online Banking and Bill PayFreeThere’s no charge for Online Banking or Bill Pay with this account.Capital One-Branded ATMsFreeFor cash withdrawals, funds transfers, or balance inquiries when you use aCapital One-branded ATM.Domestic Non-Capital OneBank ATMs 2 eachFor cash withdrawals, funds transfers, or balance inquiries when you use aNon-Capital One Bank ATM in the U.S. (plus any fees the ATM owner charges).You may be charged a separate fee for each of these actions.International ATMs 2 per transactionplus 3% of the totaltransaction amountFor transactions made at ATMs outside of the U.S., Puerto Rico and the U.S.Virgin Islands. This international ATM charge is in addition to fees that may becharged by the ATM operator. You receive at least one direct deposit in the amount of 250 or more eachstatement cycle.ATM ChargesProducts and services are offered by Capital One, N.A., Member FDIC. 2020 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have any questions, call us at 1-800-655-BANK (2265) or visit us at capitalone.com. For detailed account information, a list of other charges thatmay apply to your account, or the Funds Availability Policy, please review the Essential Checking account disclosure and Rules Governing Deposit Accountsagreement. Revised 6/2020.1 of 5

Essential CheckingOverdraft OptionsOption 1:Default CoverageAutomaticATM/everyday debit card transactions that would overdraw your account aregenerally declined. For other overdrafts, such as checks, 35 fee if transactionpaid, 35 non-sufficient funds (NSF) fee if declined.Option 2:Full CoverageOpt-In RequiredATM/everyday debit card transactions that would overdraw your account areconsidered for payment; 35 fee if transaction paid, 0 if declined. For otheroverdrafts, such as checks, 35 fee if transaction paid, 35 NSF fee if declined.No CoverageYou can always let us know that you do not want any coverage. Transactionsthat will overdraw your account will generally be declined. ATM/everyday debitcard transactions will not incur an NSF fee; other transactions, such as checks,ACH transfers, etc., will incur a 35 NSF fee.Overdraft TransferLinked to Checking orSavings AccountNo FeeIf you are enrolled, a single transfer will be initiated at the end of the businessday to cover overdraft transactions.Overdraft-Related ChargesOverdraft 35If we choose to pay a transaction (debit, ATM, check, ACH, etc.) even though ittakes your account balance below zero. This fee only applies to debit and ATMtransactions if you opt in.Non-Sufficient Funds (NSF) 35If we choose to decline a check or ACH transaction due to insufficient funds in youraccount. These transactions may be subject to additional charges or penaltiescharged by the payee.Extended OverdraftChargeFreeSome banks charge for keeping a negative account balance for consecutivedays. We won’t charge you for this.Maximum Number ofOverdraft Fees Per DayFourWe won’t charge your account more than four fees (overdraft or NSF) in a day.Overdraft Fee Threshold 5We won’t charge a fee if your account is overdrawn by 5 or less at the end ofthe day.If your account is overdrawn by more than 5, a fee will be charged on eachoverdraft transaction, regardless of the amount.For example, if two transactions of 2.50 each cause an overdraft totaling 5.00, we won’t charge any overdraft fees. If three transactions of 2.50 eachcaused an overdraft totaling 7.50, you would pay a fee on each 2.50 charge.Products and services are offered by Capital One, N.A., Member FDIC. 2020 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have any questions, call us at 1-800-655-BANK (2265) or visit us at capitalone.com. For detailed account information, a list of other charges thatmay apply to your account, or the Funds Availability Policy, please review the Essential Checking account disclosure and Rules Governing Deposit Accounts2 of 5agreement. Revised 6/2020.

Essential CheckingWays to Avoid Overdraft ChargesUse online, mobile, and telephone banking to stay on top of your account. Set up low balance and overdraft alerts by text or email (carrier fees may apply). Make a no-cost transfer between your Capital One Bank accounts either through Online Banking, at Capital One-branded ATMs,or at your nearest location. Make free transfers to your account from most other banks and brokerage firms. If you have previously opted in to have ATM withdrawals and everyday debit card transactions considered for overdraft coverage,you can opt out anytime. Or, if you prefer, you can opt out to have all types of transactions declined if they would cause an overdraft.Products and services are offered by Capital One, N.A., Member FDIC. 2020 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have any questions, call us at 1-800-655-BANK (2265) or visit us at capitalone.com. For detailed account information, a list of other charges thatmay apply to your account, or the Funds Availability Policy, please review the Essential Checking account disclosure and Rules Governing Deposit Accounts3 of 5agreement. Revised 6/2020.

Essential CheckingHow Deposits and Withdrawals WorkThe Order in WhichWithdrawals and DepositsAre ProcessedWe’ll post items to your account using the following priority: Credits received by the close of our business day, like check or cash deposits that increase yourbalance, generally post to your account before everything else. Debits, like ATM withdrawals and debit card transactions that decrease your balance, will bedivided up into categories of similar types of transactions—and we’ll use the date and time of yourtransactions when we have them. If we don’t have this information, we’ll post transactions based ondollar amount. Visit www.capitalone.com/bank/credits-and-debits/order for more details.When Your DepositsAre Available(Funds Availability Policy)Same Business Day Electronic deposits received (i.e., direct deposit or wire transfer).Next Business Day Our general policy is to make your funds available for withdrawal on the first business day after theday we receive your deposit. State and local government checks; cashier’s, certified or teller’s checks; and traveler’s checks if thechecks are payable to you and you request that the teller use a special deposit slip when processingyour deposit.Second Business Day In some cases, we may delay your ability to withdraw funds beyond the FIRST business day. Thedelayed funds will generally be available by the SECOND business day after the day of deposit;however, the first 200 will be available on the FIRST business day.Longer Delays May Apply Funds you deposit by check may be delayed for a longer period under certain circumstances. We’ll notify you if we delay your availability to withdraw funds for any reason, and we’ll tell you whenthe funds will be available.Business Day and Cutoff Times (when deposits are considered received) A “business day” is every day except Saturdays, Sundays, and federal holidays. Deposits made at a branch on a business day will be credited that business day. Deposits made at anATM after 9 p.m. ET/8 p.m. CT will be credited the next business day.Related ChargesStop Payment 35 per itemA request by the customer not to honor a specified check drawn on his or heraccount before it’s paid.Products and services are offered by Capital One, N.A., Member FDIC. 2020 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have any questions, call us at 1-800-655-BANK (2265) or visit us at capitalone.com. For detailed account information, a list of other charges thatmay apply to your account, or the Funds Availability Policy, please review the Essential Checking account disclosure and Rules Governing Deposit Accounts4 of 5agreement. Revised 6/2020.

Essential CheckingOptional ServicesYou may never need any of these services, but we want to provide you with the charges that apply just in case.Statement ServicesStatement Balancing 20 per hourWe’ll balance your account for you. There’s a 10 minimum charge.Snapshot Statement(without checks) 5 per statementPrinting a statement of your account transactions from the last statementdate through the mid-statement date you provide.Statement Copy 5 per statementProviding additional copies of your statement that you pick up at a branch orask us to fax or mail.Statement Copy fromOnline BankingFreeDownloading and printing statement copies from the past 18 months usingOnline Banking.Wire Transfer ServicesDomestic and ForeignIncoming 15 per transferA wire transfer that’s deposited into your account from another bank account.Domestic Outgoing 25 per transferA wire transfer that you send from your account to another U.S. bank account.Foreign Outgoing 40 per transferif wire is in foreigncurrencyA wire transfer that you send from your account to a bank account outside ofthe U.S. 50 per transfer ifwire is in U.S. dollarsMiscellaneousOrders for Checks orSuppliesVaries (based onitems ordered)An order of personal checks, deposit slips, or other.Cashier’s Check 10 per checkA check guaranteed by the bank.Document Copies 5 per itemWe’ll provide paper copies of some documents that you request.Account Research 20 per hourWe’ll research your account for you. There’s a 10 minimum charge.Collections (Domestic) 20 per itemWe facilitate a payment for a non-check item drawn on a U.S. bank, such as adraft.Collections (Foreign) 35 per itemWe facilitate a payment for an item that’s drawn on a non-U.S. bank.Products and services are offered by Capital One, N.A., Member FDIC. 2020 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have any questions, call us at 1-800-655-BANK (2265) or visit us at capitalone.com. For detailed account information, a list of other charges thatmay apply to your account, or the Funds Availability Policy, please review the Essential Checking account disclosure and Rules Governing Deposit Accountsagreement. Revised 6/2020.5 of 5