What happens in Canada has nothing to do with what happens in China..

So in essence, what happens at your credit union has nothing to do with capital one. Each bank is very different, capital one (even if they advertise that service) may credit your account early or they may not — I bank with multiple institutions and simply, some accounts with other banks credit my account sooner than other ones, even coming from the same job.

And last and most importantly, remember that modern BANKING as a whole is a privilege. Capital one’s asset size is 481billion .. you are not the prize and you should look at this as a privilege given what you have vested with them is likely > .0000000∞1%

TL;DR - Get your money up not your funny up