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!!!
CapitalOne allowed me to create a sharebuilder IRA account on 4/15/14 and tag the contribution for 2013. I thought this was great because it saved me a trip to the branch of my credit union.
I funded the account with a transfer from another account. Two days later I received a notice that they added the funds to my 2014 IRA. No explanation until I called and they said - "oh, well it takes more than a day to transfer the money and you opened the account on 4/15 which is the tax deadline"
I didn't open the account with my other online bank because they had logic built into their app which prevented selecting 2013 if I was transferring money.
Stay away - they're another big bank and they've lost my business. Should have stayed with my local bank.
I have filed a complaint with the Federal Consumer Protection Bureau and I'm interested to see if this is much more wide spread.
On the plus side, they did answer the phone when I called - but they were useless in fixing the problem.
Capitalone360 recently bought my auto loan. I signed up last month to pay online and it was more like getting a root canal than it was a pleasant online system setup.
The issue I had this month in signing up is that my regular login did not work so I had to do a modification because they did not like my usual ID. Then the issue came in when they required a 6-10 digit pin #. The problem is they make it next to impossible to use one that you can remember. No repeating #'s, cant be your birthdate or any version of it, cannot be anything in order and it must be 6-10 digits which is longer than your typical bank pin# which would be easy to remember.
So I call support and they were very nice and sd I can try as many times as I like but I have to get it right. I said just ask me 1 or 10 of the 50 security questions they made me fill out when I set it up and I will be glad to answer them and then get the info. No can do. On the pin they can only mail a new one to my house. No other options. So if you don't know your pin your not getting in. HORRIBLE resolution when the only option is snail mail.
Over securitized and zero options to help if you forget anything and no way to remember pin due to their stringent requirements. If given the opportunity I would leave them for this reason alone. Not impressed.