Capital One Routing Number

051405515
ACH

Routing Number 051405515 Details

Routing Number 051405515
Bank Capital One
State / Region National
Type ACH

Is 051405515 Valid?

Yes — 051405515 is a valid ABA routing number assigned to Capital One for National. It is used for ACH transfers (direct deposit, bill pay, electronic payments).

What Does 051405515 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 051405515 breaks down:

DigitsValueMeaning
1–40514Federal Reserve routing symbol (Richmond district)
5–80551Capital One institution identifier
95Check digit (validates the number)

The first two digits (05) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Richmond. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 051405515

This is an ACH-only routing number. Capital One uses a separate routing number for wire transfers.

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your Capital One Routing Number

If you need to verify that 051405515 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to Capital One and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call Capital One to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your Capital One account in National, 051405515 is likely the correct number.

Other Capital One Routing Numbers

Routing Number State / Region Type
056073502 Maryland, Virginia, DC ACH
065000090 Louisiana ACH
056073612 National Wire

Frequently Asked Questions

Yes, 051405515 is the ACH routing number for Capital One in National.

Routing number 051405515 belongs to Capital One. It is used for National.

This routing number is used for ACH transfers including direct deposit, bill payments, and electronic transfers. For wire transfers, Capital One may use a different routing number.

Yes, you can use 051405515 to set up direct deposit for your Capital One account in National. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 051405515 identifies the bank and branch (Capital One, National), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

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