Capital one is getting worse by the day, no more early deposits, now my bill pay transactions are saying pending and not being processed, they were scheduled for today.
Maybe the reason is one of the below – from their FAQ –
Will my direct deposits always arrive two days early?
It depends. You might get your direct deposit 2 days earlier, 1 day earlier or on your regularly scheduled payday. Here are some reasons why you might not receive your deposit early:
- You recently set up direct deposit for the first time.
- Your deposit type is not eligible, such as a bank-to-bank transfer.
- There’s a payroll system issue from your payer.
- You reached the transaction limit or monthly deposit dollar limit for early processing.
Early direct deposits also depend on timing—your payer must provide payment details on time so the deposit can process early. If your deposit doesn’t arrive early, expect it to arrive on your scheduled payday.
Thanks, this this has been happening for all of 2025 and capital one bill pay is taking longer all of a sudden, I am thinking of switching to Schwab