Where Can I Pay My Capital One Bill In Person?

Paying your Capital One bill in person is a convenient option for many cardholders who prefer the face-to-face interaction or need to make a cash payment With over 700 Capital One branches and 70,000 fee-free ATMs across the country, you have plenty of options to pay your bill in person Here’s a breakdown of where you can go and what to expect when paying your Capital One credit card bill in person

Pay at a Capital One Branch

The most straightforward option is to visit a Capital One branch location.

• All Capital One branches accept in-person bill payments and take both cash and checks.

• You will need to bring your Capital One credit card or account information. Many locations can look up your account with a valid photo ID.

• Payments made at a branch before the daily cutoff time (varies by location but typically 8 PM on weekdays) will get credited to your account that same business day.

• Capital One branches are closed Sundays and federal holidays, so plan your visit accordingly

• Use the branch locator on Capital One’s website to find one nearby. There are over 700 branches across NY, LA, TX, VA, NJ and other states.

Paying at a branch is fast and guarantees same-day processing during open hours. It’s one of the most reliable in-person options.

Pay at a Capital One ATM

Capital One has over 70,000 fee-free ATMs you can use to make a cash payment. Here’s how:

• Insert your Capital One debit or credit card and enter your PIN.

• Select the option to make a credit card payment.

• Feed in the cash you want to pay. Get a receipt as confirmation.

• Payments made before 9 PM ET typically post to your account the next business day.

• Find fee-free ATMs using Capital One’s locator tool. Many are located inside Target, CVS, and other stores.

Paying at an ATM is quick and easy if you have cash on hand. Just locate one nearby and make sure it’s a fee-free network ATM to avoid surcharges.

Pay at Retail Locations

In addition to Capital One’s own branches and ATMs, you can make an in-person payment at thousands of retail locations across the country that have bill pay services. Here are some of the major ones to know:

Kroger Bill Pay Locations

• Kroger stores like Ralphs, Fred Meyer, and QFC allow you to pay your Capital One bill for a small fee.

• Bring your account number and billing statement. Pay with cash or debit card.

• Payments show up in 1-3 business days typically.

• Find Kroger bill pay desks inside the customer service area of most grocery store locations.

Walmart Bill Pay with MoneyGram

• At any Walmart customer service desk, you can use MoneyGram to pay your Capital One bill with cash.

• You’ll need to fill out a form with your name, account number, amount to pay. Fees apply based on amount.

• Gets posted to your account within 1 business day in most cases.

• MoneyGram is also available at CVS, Walgreens, and other retailers.

Western Union Bill Pay Locations

• Like MoneyGram, Western Union can facilitate bill payments at thousands of US locations.

• Fill out the “Pay Bills” form with your Capital One account info and pay with cash or sometimes debit.

• Western Union posts payments within 1 business day typically.

• Find locations inside Walmart, Walgreens, grocery stores, check cashing stores, and more.

While less direct than Capital One’s own channels, retail bill pay allows you to pay at whichever store is most convenient. Just build in some extra processing time.

Pay by Mail

If heading out to a physical location isn’t practical, you can mail in a personal check or money order payment to:

Capital One
PO Box 71083
Charlotte, NC 28272-1083

Be sure to include your account number and minimum due on the check memo line. Allow 5-7 business days for mail payments to process and avoid any late fees.

Tips for In-Person Payments

• Pay 5-7 days before your due date to ensure on-time delivery and avoid late fees.

• Have your account number handy. Calling customer service to locate it may delay payment processing.

• Know the daily cutoff times for same-day crediting at Capital One branches and ATMs.

• Get a receipt anytime you make a cash payment as proof the payment went through.

• Avoid sending cash payments through the mail for security reasons. Use a money order instead.

• Confirm whether there are any bill pay fees charged by retail locations to factor into your budget.

Paying your bill in person takes more effort than automatic payments from your bank account. But for some cardholders, it can be worth it for the convenience, personal touch, or ability to pay with cash. Now that you know all the ways to pay your Capital One credit card bill in person, you can choose the option that fits your needs and preferences.