I banked with Cap Fed for nearly 20 years and was basically happy with them. Then about a year and a half ago they started hitting me with various fees and charges. They got me for $78 over about an 8 month time period. I just got tired of it and closed my account.
They have my mortgage, savings and a checking account. I have had the accounts since 2004 and the mortgage since 1987. Usual balance in checking is a bit over $600. My last statement (received today 11/3) had a $2 "service charge" on it so went in to find out why. Seems in August 2011, they sent out a complicated and densely written (chart form) trifold pamphlet stating that various accounts minimum balances would be going up (in my case to $1000). Nothing pointing out that my particular account was subject to this. I went in to close out the account and darned if they didn't charge another $2 because we were now three days into November. Avoid this bank. I will be closing my savings account as soon as I get the automatic deposits and withdrawals resolved, and I will be paying off my small remaining mortgage.