Online Bank Reviews

I have banked with American Express Bank now for several years. They have among the best (not always the best, but close) rates & very good customer service. If I would have one gripe with them it would be their website. Several things you can't do there that you should be able to but I have received messages that they are upgraded their website so hopefully they address these shortcomings & then I can't imagine a better place for your savings.

Tried them......briefly. They sent me debit cards & checks to the wrong address (then what I used to start the account). After hours on the phone with their customer service they finally found out that that is in fact what they did. They did apologize but I really couldn't believe it. Needless to say I didn't reorder anything just canceled the account. I really can't do business with an incompetent bank. Stupid like this was not worth the cash back. Overall the bank has a "based out of a rusty trailer in backwoods Georgia" feel to it to me. Very unprofessional feeling I got with them. Glad to be gone.

I had a Charles Schwab Checking Account. I was impressed with the quality of the checkbook cover they sent but that was it. Nothing special about their website for banking & it just became purely annoying with them constantly trying to push their brokerage services. I had no interest whatsoever because I am with Vanguard already so I really didn't need Schwab because even though they are about the same in a few funds, Vanguard has vastly more low cost options. Eventually it got to be too much so I just closed the account. I decided after this experience to never mix checking & brokerage accounts!

I have been with capital one & now capital one 360 for years now. I have previously had charles schwab checking (stop trying to sell me brokerage services, vanguard smokes you! ), emigrant direct (rates too low vs competition), perkstreet financials (poor customer service & even shipped my cards & checks to the wrong address, the cashback not worth the stupidity! ), ally financial (the biggest joke in online banking), american express (great place for savings & service), etc. I have found capital one's customer service, rates & overall offerings to be top-notch, tier one. They may not always be the absolute highest but they are among the best & their customer service & websites are fantastic. I just adore capital one online banking & really love my new capital one 360 account too. Excellent.

Very poor experience. Opened an account with them & funded it. A week later they froze the account. I called to inquire as to why & they told me the would actually have to cancel the account & refund to me the money i had funded it with. I had read of them doing things like this with others but hoped my experience would be different since i had had a auto loan with them & my experience with it was fine. They couldn't give me a good reason they were cancelling the account but i was fine with it as i just figured i'd forget about doing business with them. Then came more problems. They insisted i verify my identity before they would give me back my money from the account they closed. They wanted copies of my drivers license & a few other things. This was an absolute joke imo as they had no problem taking the money, freezing & then cancelling my account but now their fraud & loss prevention department would not let me get my funds back directly into the account from which they were taken without proving who i was. I have banked online for years with ing direct, charles schwab, capital one, emigrant direct & amex & i can tell you ally is far substandard to those banks & even though they claim to give you a better deal with rates/features. All that glitters isn't gold, i would advise to stay away & go with someone else. Make that anyone else. Ally is the worst bank in the nation imho.

Great Bank. Very fast on posting transactions and customer service is fine. I have had no complaints from the switch from ING to Capital One. I feel some of the complaints are from upset customers because their little bank was purchased by a big bank.

Their accounts are easy and fast to open. Money is avaliable a few days after transfer (it does take a day or so but all banks are like this). No problems what so ever.

Is this a perfect bank? The answer is no.. Is it a bank with low fees, good customer service, and a great overall experiance? The answer is yes. I would recommend opening an account and trying them for your self

I have been a member of 2 Large National Banks (BofA & WF) and a local Credit Union throughout my life, and after discovering Simple, I will never return to them. I'll use the categories below to explain why.

Customer Service: Think of the last time you called your bank, was it an unfriendly, adversarial, experience? I'm sure that my former bank's customer service policy was: "The customer is my enemy, and I will defeat him." It didn't matter if I was calling to inquire about a transaction, or a fee, or a mistake they made. Simple on the other hand is a wonderful experience. Long story short, once my other bank lost/didn't receive a loan payment via online billpay. Simple took care of crediting me back the money so I could pay it faster, and they refunded me the late fee that the OTHER bank charged. This sold me for life.

Bank Rates: No fees, and interest on your checking account. Even if you're poor like me, $.02 is still 2 cents; it's the thought that counts.

Online Experience: No one can hold a candle to Simple. It's like Mint & Quicken put together, and 1,000% better than both. The Goals System is amazing. Definitely room to add features here, but that would just take them from being the best, to even better.

Fees & Charges: What fees & charges?

Overall Satisfaction: I joined Simple because I heard of their robust online finance tracking system. It's as good as its reviews (Look them up on The Verge & Lifehacker). Then I experienced their customer service on several occasions, and knew I liked this bank.

Then I had a problem (Loan payment above) and even though it wasn't clear who's fault it was, the two banks reactions sold me for life:

Old Bank: Charged me a fee, threatened to send to collections, told me to fix it by doing x-y-z, charged me a fee for x-y-z.

Simple: Apologized, refunded the other banks fee, credited my account so I could pay faster, and asked what else they could do to make it right.

Shoutout to Kelly in CS.

Pretty much the same as everyone else: was an ING banker before they got bought out by capitol one. Tried to add an external account to link with my wife and it was a nightmare. After several calls I finally asked to speak to a supervisor. NOT ONLY was he not helpful but flat out rude. After speaking to him I decided to cancel my account. I only wish I could rate them a zero for customer service!

I would like to share my experience with everyone who is THINKING of using Ally Bank for a car purchase. THINK again! After just one year of receiving and sending our car payments to Ally, they for some unknown reason decided to delete our apt. # in our mailing address, thus not allowing the post office or fed ex to deliver our mail from the. When I realized we had not received our payment coupon for March, I called. "No worry they said. Give the mail 3-5 days. Five days went by, called again, "no worry" give the mail 3-5 days. 5 days again no payment coupon. They would not fax, e-mail or resend a payment coupon. Spoke with supervisors up the chain. Still no luck. They just said "don't worry, you have 10 days after the due date to get the payment to us. Well, guess what! I got upset and sent them a check to pay off my car. End of story? NOT! They fed ex'd us paperwork to sign and return. We did not get theFed Ex envelope, why? No apt. #. They replied that Hawaii does not get Fed Ex service! We see the trucks daily! Supervisor also told us we were the ONLY customers that live in Hawaii. I find that very hard to believe because all our car dealerships carry Ally! It took from March to May to receive the title and when we took it the next day to the DMV office they said it would cost $50 for being over 30 days as the bank had signed the title on the day they received our check. So, I repeat, please THINK when considering using Ally. There are several other options!

First, a lot of the reviews below DOG capital one 360. Im sure they are just from a small fraction of unhappy customers. This bank is actually very very great! Check them out at (For a bonus) (This link offers more promotions than their regular site)

https://home.capitalone360.com/referafriend?save=ZP2dn5yo1F

They have several types of accounts you can open. These accounts range from checking, savings, and even accounts for your kids and teens!!!

Checking: Their checking accounts are top notch. NO FEES! and they even give you a credit line for overdrafts. This line starts at usually on $25 but still better than nothing! I have dipped down into this line a few times and experienced no problems. The only downside to their checking is the $5.00 fee to order checks!

Savings: Online savings is the way to go. They pay a lot more than brick and mortar banks and charge no fees if your savings is empty or running low.

Kids and Teen Accounts: This is one area that capital one 360 really shines.. Their accounts for kids and teens give the parents 100 % control over the account while also teaching the young ones how to manage money. Your kids will even have their own login information. They can have their employer send their checks to this account. You, as the parent, can also send your kids money. This is great if they are on trips!

Overall: This is a great no fees bank. High APR savings, great accounts for the teens, and no min deposits make Capital One 360 shine. I would recommend anyone looking into online banking to check them out.

If you follow this link they even offer more promotions than on their current site (Current site doesn't offer savings promos)

https://home.capitalone360.com/referafriend?save=ZP2dn5yo1F