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!!!
Cons: Posting times frames are too long, mobile app is terrible, account alerts are slow (lag time is up to a full day, customer service is lacking
It takes three business days for funds to become available if money is transfered from a 360 savings account to a 360 checking account. An internal transfer, between accounts that I own. At one time I had a regular Cap one checking account and funds were available immediately upon transfer. So it can be done. If the funds are there, and the transfer is digital, it should be available immediately.
Another BIG issue I have with this bank are the alerts. There are not many alert options and alerts have a 24 hour lag. I have a Chase account, if a withdrawal is made....I receive an alert immediately to my phone/email. This prompt service mitigates risk and prevents theft. Again, this is a programming issue that can be solved.
In closing, I am sorry I opened these accounts and will be moving all of my money to Chase bank. Capital One 360 is great if you want to give your 11 year old a bank account, it is not for adults who have EFT deposits and actually use their bank account to spend money.
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.