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 first opened a capitalone360 account two years, mainly because they had a promotion that if you opened an account and set up direct deposit, you got free money (i think it was $50). I opened a checking account and savings account for myself, plus one of each for my niece and nephew. No complaints so far. I should mention though that my primary checking account is at a local bank. But part of each paycheck is direct deposited into my capitalone360 savings account, and it is very easy to transfer money from captialone360 into another account, even at another bank. Deposits via mobile phone or scanned image is now available with capitalone360, but i don't think i've ever tried it.