1. The online optimizer is a night mare.
2. People at the branch have no clue regardless of what you ask them and send you in the wrong direction all the time.
3 FEEEEES - incredible $30 for wires out 15 for wires in, plus maintenance fees per check fees(!!!).
Hsbc gave me 5 wires free, no charge for checks(!) citi bank is much cheaper
Got online banking with citi - only now I understand what a dinosaur Capital one is!!!
I opened a Capital One 360 Savings and Checking Accounts because I believed the Capital One backing would mean it was a reliable, safe, and customer service friendly financial institution. That did not turn out to be so true.
My Capital One 360 Savings Account is not the problem. My 360 Checking Account became a nightmare when a check I had written (actual CO 360 paper check) 4 months earlier was presented for payment which was very odd. For one thing, Capital One should never have tried to cash that check because of age, let alone let it be fed through twice more which overdrafted me during the week before Christmas.
Worse, I used my Capital One 360 Mastercard Checking Card at Target in the November - December period when Target pin pads were hacked. Capital One was good about informing me as soon as they realized my MasterCard Debit Card was compromised and issued a new one. Then, I realized that CO 360 was looking for a way to close my 360 checking account. I agree with other patrons of Capital One--their rules for closing checking are rather arbitrary and arcane and not consistent. Moreover, most banks will try and help their customers to reinstate their checking accounts after a year or two; there does not appear to be any such courtesy or grace with Capital One 360.
I have kept my CO Savings and Sharebuilder, but I am thinking of moving these elsewhere because of the internal bunk that goes on at Capital One 360.
Capital One 360 makes for an awesome checking account to supplement my main checking account. I use it for ATMs as they have so many free ones, for online purchases and for when I travel. No fees is awesome and no requirements to get no fees is even better.
They have their Financial Independence Day sale going on right now so you can earn $100 for opening a checking account and $76 for opening a savings account.
The transfer times are little bit long but as long as you are aware it takes 2 business days to transfer from you brick and mortar checking, it is great. Customer service was amazing and really funny when I called in because I entered my PIN incorrectly too many times.