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!!!
This is by far the best bank I have ever used. I have alternate checking account with another bank and I will probably close it. I have banked with Capital One 360 (formerly ING) for 3yrs now and I have never been happier. This bank is very friendly, easy to use, has a automatic overdraft that you can use at anytime. There are no fees and only a small interest payment if you use the overdraft. I think we pay them like .07 for the use of it when we access it. You also get a $5 checkbook, can transfer in and out from external checking accounts and my favorite is online check deposit. I Can not say enough positive things about this bank. I actually have no negatives to say about this bank.
Originally with ing orange and now it's 360. Even thru the merger i have been satisfied. The original rates were better but the economy has gone thru a big change. In comparison, all is good. Easy transfers and photo deposits are cool. Web navigation is great. Smart phone app is pretty easy and powerful. Solid.