Capital One 360

I've dealt with a few banks and I have to say they get a 10 out of 10 hands down. First they offer true overdraft protection up to $100 which they charge at a 2.7% annual rate. That means no getting dinged some crazy $30 charge for going $.10 in the negative. Also means that you can be overdrawn a couple bucks and get charged litterally pennies in interest. Second, their customer support is hands down top notch. As someone who works in a call center you can get a feel for how hard they are working on your issue, I can say with certainty that the representative was 100% focused on me and my reason for calling as I was only put on hold for 30 seconds when he had to go to the printer. Other than that their wasn't a moment he put me on mute. I was so blown away that I even spoke to his supervisor just to compliment him. Other reps I have spoke to were also really good so you can tell they take care of their employees, which says alot about how they will treat you.

No overdraft fees! No insufficient funds fees! I love Capital One 360. If you are looking for a bank without the hassle of fees this is the bank for you. I’ve been with them since it was ING and I don’t have many complaints since they became Capital One. I easily transfer money using zelle and they don’t have a monthly cap (or at least I haven’t reached it yet) like with my credit Union. Their app is very user friendly. I can deposit checks online. It’s a great account to have. My only complaint is that out of the 3 bank accts I have capital one is the only one that doesn’t direct deposit my money early. I bank with a credit union and a traditional bank and if My payday is Monday, with my other two accts I get access to my funds on Saturday. Not capital one. They hold it until Monday morning. Not a true big deal since they aren’t my main bank but still I wish I could get my funds early.

I want to say that I may have been a bit hasty on my first review. I was quite frustrated. I do, however, believe that Capital One should allow us to contact them by email. I also do not think that anyone should ever ask for a PIN. There are so many identity scams and hackers out there these days, my own phone and computer/internet could have had part in the events that happened. I love the convenience of online banking. Print a check copy, make a remote deposit, pay bills via online checks, transfer money, instant access to account balances via wallet, no service fee, instant locking of lost cards, fast replacement of lost cards, and the list goes on . When the glitches are worked out, there is nothing more convenient. I cannot confirm my issues were due to Capital One 360 security or site problems. I love online banking with 360, and I really hope it was not them asking for my PIN over the phone, even though I initiated the call.

Accessing your account from the computer offers a wider selection of services than accessing by your cell phone app. However, once you start using the phone app, the website will double check your identity each time you try to logon by confirmation with your phone app. While this security is good, it is a nuisance! Capital One has Zelle so you can send/receive funds by your cell number.

Capital One 360 is a superb online banking option. Funds are super safe and easy to get access or transfer when needed. They also offer low cost everything. Fees are not an issue as the service they provide is comprehensive.

Capital One is basically broken. Their website has so many broken functions and really no way to notify them about the failed functionality. Fox example, I wanted to download transactions for the last quarter. I could only get it do find the last 30 days, even when I repeatedly entered the dates for the first quarter. Just doesn't work. If you dispute a transaction, the only way for them to allow you to dispute it is to cancel your card (basically preventing access to your account) rather than contacting the merchant. If you are someone who has business accounts and personal accounts, you are only allowed to have one debit card, and it can only access one of your accounts (of your choice). But it's not possible for them to let you access your other accounts with your one card, and they won't give you a separate card to access your business accounts at an ATM, so it's just a waste. The list goes on and on. I would highly recommend going to a different, full service back ~ their systems at least work.

Great CD rates. TERRIBLE on-line help and links for an on-line bank! System always seems like it is down too. Can't see anything that you need to do. Seems hidden. I tried to update my external accounts and attempted to change my primary account; but then needed to transfer money from another of my external accounts. The CD drop-down did not show all of the accounts! The one I needed became invisible for opening the CD. Cancelled out and did not create the CD; might try again after the external accounts are changed again. Terrible web System! Also frequently down.

I love Capital One! They have awesome rates and they are way better than my local credit union. They also have cool features to help you with your savings goals.

I was logged into Capital One. I clicked on customer service. A new window opened on a customer service page requiring a new sign in. That took me out of customer service and back to the banking page. I tried to contact customer service in the first place because I was having trouble with links and wanted a copy of a check. There was no way to email capital one. It was an automated phone service where I was told to have my PIN ready to give to the person on the other end once a live operator was available. Why would I give them my PIN? Banks do not ever ask for PINs. They do not even know your PIN. They cannot give you your PIN if you forget it. I suspect this bank has trouble with security. On the site, I am locked from certain links that would give me what I need on some pages and what I used to be able to get from this bank in the history section. The history section should still be able to lead me to where I can get a check copy. On that page, I cannot even place the dates in to get the checks for a certain date. I am locked from using the dropdown arrows. If they can hack into my account, they can hack into anyone's account. Something is wrong with accessing the account, and the phone customer rep wans my PIN number. I hung up. In addition, every time I try to get into Capital One, Microsoft does an update and bogs down my computer. Coincidence or what?! I have 25 Mbps of internet speed. I am only on one site while the update is happening. So, go figure.

I started with an account at ING online, which was bought by Capital One 360. I've had an account for over 10 years. Recently, Cap One messed up a payment to my credit card, they sent it to the wrong place, even though the correct location was and has been in my address book for years, and is where I've sent a payment every month. Suddenly, they sent it elsewhere, why they did that is a total mystery. I then discovered there was no way to chat with them online about the mistake they made, which sucks. I was charged $25 late fee for their screw up. No ability to chat online with customer service is very inconvenient for an online bank. So I'm shopping now for another online bank. I wouldn't recommend Cap One. I'd say get a bank with good customer service.

Easy to access and manage. Definitely made my life easier. Thank you for offering such a great service!

Capital one is great. However, the mobile services can improve. The app is always crashing and it makes it inconvenient when I am trying to access my funds.