Bank record
Capital One: who holds your money
- Institution type
- Bank
- Insurance route
- Banks and direct bank accounts
- Recorded partner banks
- 1
- Disclosure read
- September 5, 2026
Insurance route
Banks and direct bank accountsThe disclosure for Capital One, read on September 5, 2026, describes a direct bank arrangement for FDIC coverage, federal insurance for bank deposits. This concerns deposits at the relevant bank. The exact disclosure follows.
Summary
Capital One is a bank. Capital One says customer money is held at Capital One, National Association, with insurance reaching customers as direct FDIC insurance at a chartered bank. We read this information in the app's own public disclosure on September 5, 2026, and this page quotes that disclosure below. You can check each partner bank's own page on this site.
Current commentary
Capital One is itself a chartered bank, so customer deposits sit directly at Capital One, National Association, rated A. FDIC insurance applies directly, with coverage of $250,000 per depositor, per insured bank, for each account ownership category. Capital One’s disclosure was read as of September 5, 2026.
Bank
1 bankCapital One, National Association
- FDIC certificate
- 4297
- Role
- program bank
- Uninsured deposit share
- 20.8%
- Lefomi grade
- Grade AScore 93.5 out of 100
- Quarter ending
- June 30, 2026
- Other peers
- 31
- Peer group
- Banks, $100B or more
- Deposit insurance
- FDIC insured
Grade alerts for Capital One, National Association
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