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 have 14 CD's with ING. They have the easiest website to navigate. It's extremely user friendly. Access to account information, balances, etc are easy to find. New CD's are easy to purchase. While a few offer slightly higher rates, I recommend ING.