Activate a Capital One debit card by logging into your online account via the website or mobile app and selecting the Activate Card option under the Checking Account section. Since 2015, click on the link, enter the last four numbers of the card, and then click Activate.
After opening a Capital One 360 checking account, you have the option of requesting a complimentary debit card to be mailed to you. However, activating the card is not required prior to using the account’s online capabilities. When the card comes, you must log in to your account and enter the card’s last four digits on the activation page. If you do not already have an account, you must follow the instructions online to create one and link it to your checking account.
The key difference between the Capital One 360 checking account and a typical checking account is that the bank does not maintain physical branches or branded ATMs. All account administration is conducted via CapitalOne360.com or the appropriate mobile banking application. After activating a debit card, it can be used at any physical store that accepts cards with the corresponding credit card logo, as well as many online retailers.