MyBankTracker rated Capital One 360 based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.
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!!!
Very. Capital One 360 is a risk. Your money is not secure. If you think it is...God help you if you need reimbursement on fraudulent charges. I'm getting ready to take them to small claims court over $400 in fraudulent online charges. After a mere 3 days deliberation and having NO access to my iTunes Account where my debit card was fraudulently charged and the charges are specified, they arbitrarily closed my disputes and refuse to reimburse me. After only 3 days of daily $9.99, $14.99, $1.99, $24.99 daily charges of months and months when no one notified me, they decide I there was no error?
I was charged twice when I had no internet. Huh? How is that possible? And yet Capital One 360 keeps denying my claims. Now they're not letting me into my account where I still have $980 + money waiting to be transferred to my other bank account. Are they holding my money hostage? Will they steal that money? Not while I still have my iPad and my fingers work. Small claims and FDIC here I come.
Be careful if you receive a Capital One 360 checking account offer. They sent it and I applied, which took 4 hours and 43 min with 6 representatives, they didn't know how to set up checking, and in the process cancelled my capital one credit card by mistake. After over 4 hours, I called back to confirm I was set to receive cash offer if open a checking account and was told by a manager the girl forgot to add that and I have nothing now. Pulled my credit, phone for over 4 hours all for nothing. The 360 checking is new and I would wait before trying this since the employees dont know how to set it up. I did email customer service and the CEO and no one even responded to apologize.