2026年4月23日 / 美国东部时间上午8:52 / 哥伦比亚广播公司新闻
作者：艾米·皮奇
艾米·皮奇是哥伦比亚广播公司财经频道（CBS MoneyWatch）副常务主编，负责商业和个人金融领域报道。她此前曾供职于彭博新闻社，并为《今日美国》和《消费者报告》等全国性新闻机构撰稿。
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艾米·皮奇
一名法官已批准一项4.25亿美元的和解协议，此前有诉讼指控第一资本金融公司对旧储蓄账户支付较低利率，却对同类产品提供更高利率。
和解协议获批后，将向符合条件的第一资本客户发放款项，这些客户需在2019年9月18日至2025年6月16日期间的任意时间持有360储蓄账户。
这起案件中，第一资本金融公司否认存在任何不当行为，案件涉及这家金融服务巨头推出的两类储蓄账户。2019年，第一资本推出一款名为“360绩效储蓄”的储蓄账户，其提供的利率高于旧款360储蓄账户。
诉讼指控该行未向360储蓄账户客户清晰告知这款更新、利率更高的账户，或告知其原有账户不再是最佳选择。
我是否有资格获得付款？
根据和解协议网站信息，符合条件的第一资本客户包括在2019年9月18日至2025年6月16日期间持有360储蓄账户的客户，以及这些账户的联名持有人和共同持有人。
我需要提交索赔申请才能获得付款吗？
和解协议网站显示，符合条件的第一资本客户无需提交索赔申请即可获得现金付款。
不过，客户可以选择电子方式而非支票接收付款，但必须在3月30日前做出该选择。
根据和解协议网站信息，未选择电子付款且和解金额超过5美元的客户将收到邮寄支票。如果金额低于5美元，只有选择电子付款的客户才能收到款项。
我能拿到多少钱？
每位账户持有人的赔付金额将基于：如果其360储蓄账户在同期支付360绩效储蓄账户提供的更高利率，本应获得的额外利息金额。
之后，和解资金将在所有符合条件的客户之间分配。总金额将首先扣除律师费和行政费用等成本，剩余部分将在符合条件的账户持有人之间分配。
和解款项何时发放？
根据和解协议网站信息，法官已于4月20日批准和解协议并禁止任何法律上诉，预计付款将在7月21日左右寄出。
编辑：阿兰·谢特
Judge approves $425 million Capital One settlement. Here’s what customers should know.
April 23, 2026 / 8:52 AM EDT / CBS News
By Aimee Picchi
Aimee Picchi is the associate managing editor for CBS MoneyWatch, where she covers business and personal finance. She previously worked at Bloomberg News and has written for national news outlets including USA Today and Consumer Reports.
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Aimee Picchi
A judge has approved a $425 million settlement in a lawsuit alleging that Capital One paid lower interest rates on older savings accounts while offering higher rates on a similar product.
The settlement approval opens the way for payments to be sent to eligible Capital One customers who held a 360 Savings account at any time between Sept. 18, 2019, and June 16, 2025.
The case, in which Capital One denies any wrongdoing, involves two types of savings accounts offered by the financial services giant. In 2019, Capital One rolled out a savings account called 360 Performance Savings, which offered higher interest rates than its older 360 Savings accounts.
The lawsuit alleges the bank didn’t clearly inform 360 Savings customers about the newer, higher-rate account or that their account was no longer the best option.
Am I eligible for a payment?
The settlement is available to Capital One customers who held a 360 Savings account between Sept. 18, 2019, and June 16, 2025, as well as joint and co-holders of those accounts, according to the settlement website.
Do I need to file a claim to receive payment?
The settlement website says that eligible Capital One customers don’t need to file a claim to receive a cash payment.
However, customers could choose to receive their payment electronically instead of by check, although they had to make that decision before March 30.
People who didn’t opt for electronic payment and whose settlement amount exceeds $5 will receive a check in the mail, according to the settlement website. If the amount is less than $5, only those who chose electronic payment will receive the money.
How much will I get?
Each account holder’s payout will be based on how much extra interest they would have earned if their 360 Savings account had paid the higher rate offered by the 360 Performance Savings account during the same period.
After that, the settlement money will be divided among all eligible customers. The total amount will first be reduced to cover costs such as legal fees and administrative expenses, and whatever remains will be shared among the eligible account holders.
When will the settlement payments be sent?
With the judge approving the settlement on April 20 and barring any legal appeals, payments are expected to be sent on or about July 21, according to the settlement website.
Edited by Alain Sherter
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