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!!!
Signed up for a Capital One 360 account because I liked the idea of not being charged an overdraft fee (only interest on the overdraft) and they were offering a $50.00 bonus after using your debit card 3 times in the first 45 days. Those are the only pros with Capital One 360. Signing up is cumbersome and waiting for them to activate your account is very time consuming. There is also a separate username for each person listed on the account. Capital One 360 also makes you activate each check book and any additional check books beyond your first one cost $5.00. I think its great they are so concerned about security but for them make you go through so many hurdles their website needs to be more user-friendly and ultimately what kills Capital One 360.
I am running a Family Reunion and putting the reservation checks from people into a dedicated account within my accounts. One of my cousins apparently gave me a starter check for $148.00 and Capital One rejected it, stating that they don't accept "starter checks". I have more than a few thousand in the bank accounts but they won't let me deposit that tiny little sum? I guess they are getting a little swell headed, since if the check is no good, they make money anyway, by billing me for the bad check.
I liked ING Direct a lot better and am trying to find another online Bank that actually likes customers.