Because my local credit union offers terrible rates of return on sflimoexpress.net (Savings, Checking, Money Market, CDs, IRAs), I started saving online through ING Direct over 10 years ago, and was very pleased with the APY on all my savings accounts through ING Direct. Unfortunately, ING Direct is no longer in operation in this way, and, one day, the online entity simply "became" Capital One 360. After the switch from ING Direct to Capital One 360, nothing fundamental changed with any of my savings accounts, and I still continue to save for future financial needs in this way.
What I like most about Capital One 360 is that I can create/open as many different savings accounts as I think that I will need, and give each one a unique nickname, so I will know exactly how all of my savings funds are allocated. I also like Capital One 360's CDs, and plan to open a 5-year CD in October.
On 9/6/2017, when I tried to login, security questions appeared for security purpose, no biggie but it looked weird. When I finally got in, I noticed right off the bat that something was very fishy. Website looked totally different from previous one. No dates and not even name of account holder. I printed out all the pages and also screenshot them. As soon as I logged out, I received Email from CPO 360, saying "The phone number for your Capital One VISA SIGNATURE has been updated" First of all, we don't have VISA SIGNATURE CARD, and Email was sent to my husband, even though I was the one that logged in using my own password.
We have $50000.00 in CD for 5 years, APY 2.25%, but I take interest out each month, therefore a little less than 2.25%. I set up the way money goes to Savings when CD matures. but this information has been deleted by CPO 360. CPO 360 tried to stop us from taking interest out, but they couldn't. They came up with tricky and illegitimate way to stop us now. Few months ago, 360 in red and round shape of logo on checking account, when I click on it, it says "This account is the current default checking account for this card" This card means VISA SIGNATURE Card that CPO created without our permission, on top of this, our Debit Cards have been cancelled.
There is no monetary damage yet, but I'm aware of what may come later. Recently, I purchased decent recorder and I let them know being recorded. Phone was rigging about 5 minutes before someone answered, this is unprecedented too. I even recorded waiting time too. Debit cards will be renewed, and I should receive confirmation letter of CD maturity option I selected. I'll give them only one week before I file a complaint through CFPB.
Bottom line is, if you have an account for simple daily use, not taking money out often, you might be OK. Just be very careful, CPO 360 is the most beguiled bank that I had to deal with so far, even before aforementioned happened. This is my second writing on this bank.
First of all, I want to start by saying thank you to the customer service agent who refused to assist me while I was driving. Capital One has officially gained a loyal customer for caring about my safety. I honestly appreciate that. Anyone else would have probably been annoyed, but it was certainly a reminder for me to focus on the road. Secondly, I love my credit card. It's great for beginners, just be sure to pay more than the minimum amount! Increase your spending limit when you can and always keep your spending below 25%. This helps increase you credit score! Thank you Capitol One for being so fantastic!
I originally signed up for an ING Orange Savings account in 2007. I was drawn to their service because of a very high interest rate on savings accounts (somewhere around 5-6% at the time). Since then, ING was bought out and the interest rate has fallen dramatically, but is still much better than I have seen with traditional brick and mortar banks. I still have automatic deposits scheduled with them, and have been saving with ING/Capitol One for 10 years in a row. I've never had a reason to contact customer service, mostly because the setup process is simple and the web experience is easy to navigate. I have and will continue to recommend using this service to friends and family.
I've been using Capital One 360, formerly ING Direct, as my primary bank for about two years now. I switched primarily due to the fact that I wanted my checking and savings to be with the same bank, and Capital One offers much higher interest rates on savings than a typical brick and mortar bank. The experience has been good, direct deposits from my employer show up before 7:00AM on pay day, and I've never had any issues that required me to have to contact customer service.
The mobile check deposit feature in their Android app works great. The only issue with online only is if I need to make a cash deposit. For this reason I still keep a secondary account with a local bank but Capital One meets the rest of my needs.
I have had a checking account with Capital One 360 for about two years. I had never used an online account. The biggest downside is that I have no physical bank to visit. There is no service charge and no minimum balance requirement. It also earns a very small interest rate. It is easy to use this checking account for ordering items online. Usually I use the check card for buying gas or groceries but also have paper checks. As long as I have access to WiFi I can check my account balance any time. I can also print off statements. It is not possible for me to make cash deposits to the account. I have used customer service very little, but it was satisfactory by making a phone call. It may take a couple of days for money to transfer to this account. There are definitely pros and cons but overall I am pretty satisfied with this bank and would recommend it as a reliable online bank.
Capital One Bank is my go to bank for all of my retirement needs. I have been using Capital One bank's IRA and investing tools to prepare for retirement for over 15 years. Let me tell you, the Financial Advisors at Capital One bank are some of the most highly trained, educated, and talented professionals that I have ever had the opportunity to work with. They have helped me exponentially grow my financial nest egg and they have also provided me with the knowledge, discipline, and mental strength necessary to save my money in investments when both the market is booming and doing great or when the market is collapsing or correcting. This type of Financial Advisement has allowed me to gain peace of mind, calmness, and feeling secure that my money is in great and responsible hands. Capital One Bank is not just a bank, it is a community of experts that take care of their customers and make sure that quality of service comes first above profits or revenue.
I first started banking with Capital One 360 back in 2010, when they were ING Direct. It was the first time I'd ever seen a bank where instead of dinging your account a huge fee when you overdraft, they instead essentially loan you a certain amount of money and you pay a couple pennies at the end of the month. I don't make much, so every now and again that ends up quite literally saving my bacon. Despite this, I'm never treated as lesser by the company - any questions or needs that I have are met in a friendly, open way. I once typo'd a transfer amount, making it something like 100 dollars instead of 10, and called them up. The problem was handled over the course of a 15 minute phone call, and next to none of that time was spent on hold. Capital One 360 is definitely a place I'd recommend, for anybody who needs a bank. The fee system is excellent, the people are polite and friendly, and the rates are great.
I have been with Capital One bank for about 3 years now. I signed up online and the process was very simple and quick. You do not have to fill out long and extensive paperwork. You also do not have to worry about waiting in a line to set up the bank account. It has a great mobile app also, it is one of the best that I have came across. It has features to track spending, savings, and even your credit score. It lets you easily keep your account safe and secure with its simple, yet effective security features. The only downside I have seen to the online banking is the ability to withdraw cash without fees at limited locations, but in all it is a great bank!
I started out before they became Capital One but kept the accounts after the switch. I already use Capital One for other services so it's nice to have more accounts all in one place. Their interest rate is comparable to other available options. Their online user interface is good and their contact options are great. I have had issues in the past and have used their online chat and phone representatives,and had success with both. My one suggestion would be to add some features like auto cash back from the credit card being deposited into the account. I am glad I chose Capital One and their services. With the success so far I would definitely consider other products that might be offered and also recommend to others their products.
The Capital One 360 bank has been an easy bank to work with. Any transaction has simply just worked with no fuss. When I get my check deposited from the sawmill, It is directly deposited into my Capital One 360 account and is available for transactions that I make.e. Never had a single problem. They continue to get better the longer I have been with them. I haven't had any problems with customer service or their online banking. Everything just works well. I would definitely recommend them.
I've been using Capital One since it was part of ING direct. The experience in the earlier days was a little clunky. At that point you weren't able to even have paper checks for the account. They've since fixed that issue, there has been a steady march on the path of customer service and features. I don't yet consider them wholly on par with a brick-and-mortar bank as of yet. There is something comforting about having a building that you can go to, but in general I've been satisfied with the experience. It does feel limiting to only be able to access customer service via the phone, but the reality is that even traditional banks are very similar. It feels like a transition step in to a larger world where banking is even more seamless and mobile.
I have been very pleased with Capitol One 360 checking. I have a limited retirement income and I appreciate that there are almost no fees at all for this account. There are no overdraft fees unless a check bounces. I very rarely use checks these days, so my overdraft fee fears are non existent. I also appreciate the fact that when I call in for help, I have always reached customer service agents who are native English speakers. It is particularly helpful to me because I have a problem with hearing loss. Apparently there are a very few actual brick and mortar locations for this bank in the US but there are none near where I live. So I deal with my accounts by phone, email and by visiting the bank's web site. I can deposit a check with my cell phone. And I can withdraw cash by visiting an ATM which happens to be just across the street from my home. I have not had any problem with this bank so far and every month, there is a small, very small, interest deposit to my account!
I've been using Capital One for probably around 9 or ten years. I started with a savings account, just to automatically put a bit of money aside. I then decided to add a mutual fund for my grandson, as well as a CD. I've been pretty happy with them. While interest rates are sure not great, I make much more money on my Capital One account than with my account at my local bank. I have had numerous occasions over the years to call customer service with questions usually with some sort of problem on my end, not theirs, and they are unfailingly nice and polite and helpful. As far as internet banks go, I don t really know much about the competition, but I do like this bank, and plan to continue on with them in the future. Plus, they always keep me updated with timely info on my accounts
I have been a satisfied customer of Capital One for over 15 years and the reason that I have been with them so long is because I have had no unexpected problems with any of their transactions whether it has been "Direct Deposit", On Line Bill Pay, Needing a Paper Check sent to someone, or just to get questions answered, I have always had my needs taken care of by Capital One. If there is one drawback it would be that it can be inconvenient if you need to deposit cash or a check. You can still do a deposit via mail which will normally take 2-3 business days to post to your account. Other than that I am sure that anyone who tries Capital One will be satisfied with their great service.
I have had a savings and checking account with Capital One 360 since 2005. They were not Capital One then, but ING Direct. Capital One bought ING Direct at least 4 years ago, and have done well carrying the torch that ING lit for them. ING was a very good bank with great customer service. If I ever had to call them I got someone on the line right away. It is the same way with Capital One. If you call them, they will be right on the line with you and be very pleasant. I have had to deal with BoA on the phone and it was a horrible experience. Captial One is great. Their checking account pay 0.25 percent interest (adjusts as the fed rate adjusts). It isn't much but it's something. Their savings account pays 0.75 percent interest. I do wish that was a bit more now that fed rates are rising. SOmething like 1 or 1.25 percent would really make it stand out. It is very easy to deposit checks via mobile phone pictures. I do it all the time. All in al, Capital One 360 is a great banking experience compared to traditional banks.
I've had this account for over a decade. I joined when it was Orange, than INGdirect. Now it is Capital One 360. I have checking, savings and an IRA account and am happy with all three.
I originally got the account as a way to pay bills on time when I was traveling for work a lot. In recent years I travel less often, but I have moved cities several times and it is a joy just to avoid having to get a new bank every time I move. It is hard for anyone who's never done it to imagine the inconvenience of having to close one checking account down while waiting for everything to clear and hope that you never write a check on the wrong account!
I love the bill paying application with this account. I not only get monthly statements for most vendors right in my checking account, I can easily see recent and pending transactions and set up reminders.
The savings account is also great. I can set up subfolders for specific savings goals which lets me keep my 'emergency fund' separate from money I'm squirreling away for a vacation or other goal.
Transfers between savings and checking happen immediately, so I never have to worry about bouncing a check.
I'm even able to attach an external account so I can easily transfer money to a local account where I do keep a small amount of funds in case I need cash fast. (The one drawback to my online account compared to brick and mortar is that there are only a few nearby ATMs and they are not on the most widely used network. So to avoid ATM fees or being stuck if one is out of service, I keep a local checking account. This also comes in handy if I run across someone who is uncomfortable taking a check from an online bank. It's only happened once, but it can happen.)
My work does not offer direct deposit. It's so nice on payday to complete my deposit in 2 minutes with my phone. My coworkers spend half their lunch hour driving to the bank, waiting in line to deposit their checks. I never stand in line and I've yet to have a check take more than 48 hours to clear and become available.
I really love this way of banking. I was worried about losing some quality in customer service or value each time the bank changed hands, but I have to say I have not seen a problem.
I have both a Capital One 360 checking and savings account. It is an online-only bank and I have these accounts as a compliment to my main Barclays account. I like having the back-up account option and it is also a good place to squirrel away money when you're looking to save and almost want to forget about it - hence I autodraft out of my Barclays into my Capital One savings account.
Overall, the account is helpful. Their website is pretty good, although not spectacular and their customer service is pretty standard. This is not an account that will blow you away or anything, but it is still a reliable and easy option. I would definitely recommend this service to anyone looking to start up a side account or maybe a young person who just needs a starter account. No complaints here.
Capital One has allowed me to bank with higher interest rates on my savings accounts and with lower banking fees. It is easy to check my balances and transfer funds online. I am also able to transfer money into the account from other bank accounts with ease. I enjoy that there are no fees or minimum balance requirements such as those from other banking institutions. I believe since they use only online banking; that they can offer higher interest rates because of less capital required to pay for employees in traditional banking branches. I would recommend considering this online bank for your banking needs if you do not require a traditional banking branch office location. They offer free ATM services at certain network linked ATM machines.
I originally opened a Capital One 360 savings account because I got an offer in the mail for a monetary bonus if I opened the account with $10,000 in it. I wanted the free money so I figured I'd give it a try. I didn't have high expectations because the bank is completely online and I wasn't sure how deposits and such would work. That was about 6 years ago and the account is still open and active. In addition to standard interest, the account earns quarterly bonuses as well as an annual bonus depending on the amount of money in the account. It's not a lot of money but it's better than what the local banks offer. The money is easy to access- it takes about 3 days to transfer it into my local account. This is good because it prevents me from mindlessly spending my savings (since there's no debit card or anything) but it's liquid for when I need it, like when I needed a down for buying my car. I have a credit card with Capital One as well and I like that I can log into the 360 account but see my credit card balance as well. Overall, easy to use and I would recommend to others.
I have had a checking account and a master card through Capital One for seven years now. I have always felt they had my back. I knew that they would protect me if I ever had a problem. I get direct deposit for my salary check every two weeks so it is easy to pay any bills I have.
I have used the Master card sparingly over the years because I didn't want to add to my debt ratio. But a few months ago I made a larger purchase. The transaction went through fine, but they did call me to make sure it was me doing the purchase. I thought that was very helpful, because it that wasn't me they could have stopped fraud right away, which I like.
Capital One 360 froze my account because I cashed a check that was signed over to me even though I've never had a bounced check on my account that I had with them for three years. The security team they have is garbage complete garbage for the one you cant even speak to someone directly they have to give you a call back when its convenient for them. Also, they froze my account not letting anything go out, but whats funny is stuff can still go in lol. That right there just shows how money hungry they are if there really was an issue with my account why are you letting deposits go in??? Its because the longer they hold my money, and don't send me a check for whats in my bank account the more money they make off the interest in the accounts. VEry shady bad way todo business with people unfortunate what happened to capital one 360 please avoid
After too many fees with a large, corner-store style chain bank, I decided to try online only banking with Capital One. I opened 3 checking accounts so that I could keep my money separated for budgeting purposes. All was well and good as long as all transactions were completed online, which the majority are for me. However, one incident arose where I needed fast access to a large amount of cash. I had the cash in my account already, so I just needed to withdraw it. Seeing as an online bank does not have physical locations, I was forced to use the services of another bank. I looked up the ATMs that did not have fees with this account. I went to one of them, tried to use it, and was informed via phone call that I could not withdraw that much money from an ATM. The caller then told me about the process of going in to a physical bank and withdrawing cash from my account with a debit card. I was told this would work since I had my ID to show to the bank. Well, you guessed, it did not work. It turns out that Capital One had put a 24 hour non-removable hold on my account for trying to access cash (even though they called and confirmed my identity). After that, I stopped using online only banking and now use credit unions. While my need to access cash is rare, I feel I should have access to my cash at any point I need it, to be determined by me, not by the bank.
Approximately a year ago I decided to open a Capital One 360 online account. I have nothing but praise to give about the experience. I have been able to easily attach different accounts and I also have a debit card that I have used. The account charges absolutely NO fees and provides interest if you can believe that. I have been able to use the account to pay bills as well. Very well worth the move. I would highly recommend this service to anyone who likes the banking remotely mode. Sometimes you experience more privacy when your bank is not located where people know who you are. That does not mean I have anything to hide.
I am very pleased with my online banking experience with my Capital One 360 checking/savings account. I originally signed up for this online bank account because I needed a reliable and easy way to access my money when I was traveling overseas for 3 months. The Capital One 360 account doesn't charge any international fees, which was one of the main reasons why I chose to bank with them. It was easy to log into my online account to keep updated with the status of my account and how much money I had left. I found the website itself easy to use with a good interface. They also do not charge a monthly fee, though there is an overdraft fee if you overdraw (something that I make sure never to do). I liked that I could also easily transfer money to my online account from other sources.
Banking with Capital One 360 has been an exercise in patience and a joy. So concerned with security are they that often your online purchases will be blocked despite disabling that feature. Even if you have called and informed them of your pending trip out of the state. However to benefit of banking with Capital one 360 is the lack of fees. I am a former employee of Wells Fargo and I have seen the ugliness of overdraft fees. The bank will not honor or charge you should something try to enter your account- and that makes life way easier. Customers with decent credit can choose to have an overdraw credit and pay interest alone on it, which is remarkably low. So this bank will not attempt to take away money you don't have. Overall I have found the normal daily banking to be exceptional with a few hitches at times with security and communication.
Capital One 360 (Formerly ING) is a solid online bank. I have a checking, savings, money market account, and a CD through Capital One 360. (I was pleasantly surprised that opening a CD did not cost a lot of money and every 6 months, I can roll it over with interest into another CD. There are so many options - it is a PLUS).
However, I was skeptical when they merged with ING, but I have been pleasantly surprised! I am able to navigate my backing options easily and transfer money as needed. The platform/website is easy to navigate and I have been able to contact customer service when I needed to. I even opened an IRA and it was very easy and painless. The great thing about Capital One 360 is that I can make mobile deposits - it is super easy and very convenient. If you are a busy person like I am and don't have time to go to the bank - Capital One is a great bank to have. From the customer care representative who helped me when I had a merchant over charge me to the ease of navigating the website and controlling my money, Capital One is a great way to bank and also to save.
I have been extremely satisfied as a customer of CapitalOne online banking for the past three years. I first opened an account with capital one as a way to cut down on fees that my traditional brick and mortar bank was charging me. Due to the efficiency of online systems, CapitalOne has some of the lowest rates available for opening a checking and savings account. My card arrived within days of setting up my account and all of my banking can be accomplished easily online through my browser. They also have great functionality through mobile app usage. The app I use on my iphone was simple to install and is very user friendly. Making deposits, transferring money and checking my balances can all be accomplished within minutes. I have also been very pleased with the customer service offered. I have only had to contact my bank once for assistance, and the staff on the phone were very friendly and handled my issue promptly and left me satisfied with the experience.
I have been a customer with Capital One 360 for about 4 years now. I have yet to have a bad experience with this bank in my time with them. I moved from a regular bank to an online bank initially because it offered higher interest rates on savings accounts than traditional banks. I have found that beyond the interest rates, there are other conveniences to online banking. I can deposit checks without leaving my house using my mobile phone app. It is easy to go online any time and move money between accounts. I have created multiple savings accounts, each having different purposes, making it easier to manage my finances. There are also convenient ATM's that I can use (without being charged an ATM fee) if I need to withdraw money.
I have had no issues with Capital One since opening the account. The only challenge that I have not yet been able to work around is depositing cash. The ATM's I have access to have not allowed me to deposit cash directly into that account. I still have an account with a traditional account for depositing cash that can then be transferred to my online account. This is my only frustration to this point.
I opened an account with Capital One thinking would be a good idea since they have a good customer service on the credit card.
Be aware of excessive holding time for deposits, they will hold your money for 4 business for the checking account and 5 business days for savings accounts.
That messed up a lot with my finances.
I have been a deposit account holder with Capital One since its purchase of the U.S.-based online operations of ING Direct in 2011. After the switch I retained my free online deposit account because, just like ING Direct previously, there is no minimum account balance requirement, no fees, plus the account earns interest (currently 0.75% APY.)
Online banking via desktop/laptop is always quick and painless and now there is also a mobile app so you can do your banking on the go. The latter also includes the ability to deposit checks via your phone which, as a small business owner, is something that I find incredibly useful especially at trade shows.
The online interface retains many of the old ING features including a section for estatements and tax forms along with new features like tracking your credit score and your savings goals. All in all this is one of the best no-hassle sflimoexpress.net around.
I bank with Capital One online. My fiance and I shared a joint bank account through this bank. We shared a joint checking that we used for misc items that we share together. We both have our main bank accounts linked to our Capital one 360 account so we can transfer money in and out of the joint account to pay for things shared. The things I liked about 360 was the user friendly interface. We both had the app on our phones and can easily transfer money in and out. One of the downfalls I found was that transferring money to/from an outside bank, it took about 2-3 days. If you transfer intra-bank, the money is there instantly. I did not mind not having a physical bank as we never needed to withdraw physical money from the bank, we both used our debit cards to pay for shared purchases. One thing I did not like is that the app never saved your login information. In addition, CapitalOne 360 required you to have a special pin to login, along with username and password. I like apps that save this information as I can never remember it. We never had customer service issues.
I originally opened an account with Capital One a few years ago. It was fairly new at the time and they were offering a $25 cash bonus if you opened and maintained an account for x amount of time and they were also offering referral bonuses. I was able to open up myself and my two children bank accounts with the bonuses. It was a great deal but it was making a deposit into the account at the time was inconvenient. I had great plans of using the accounts for savings for my kids but it became too much of a hassle. The accounts are still there and I really need start using them again. I am sure it is much easier making a deposit now and accessing our funds.
I love using Capital One 360's online savings accounts! Not only are they easy to use, but I actually save money. I set up an auto-transfer through my checking account to go into my savings account with Capital One. I have the ease of moving money back-and-forth with just a few clicks of the mouse. The best part is that there are no fees! Not only that, but there's no minimum needed to get started and I'm earning interest. The customer service is great as well. Any questions I've ever had have been quickly and thoroughly answered. I give this five stars across the board for being so user-friendly and helping me save money!
My overall experience banking with Capital One has been great. The website is very easy to use, with mobile apps making checking my balance on the go and depositing checks from home extremely easy. Recently, my debit card number was stolen and used by someone several states away. The bank called to notify me of this charge and immediately locked my account after I informed them that this was not me. The charge was quickly removed from my account and I was sent a new card in the mail very quickly. The customer service was very responsive and seemed to put my needs above anything else. I have banked with Capital One for many years and will continue to do so due to their helpful customer service and cutting edge technology employed.
I have been banking with Capital One 360 online banking for years now. It has been the best checking account that I have ever had, plus everything is free and they will even send you more checks for free. If there are any problems that come up, their staff is the best. It's happened twice now that online hackers somehow got my debit card information and they did not get anything because of Capital One 360. Also, when you first get your account there are a few different ways to make $50 for doing very little, you would just have to research that because I forget what I did. Capital One 360 is my favorite online bank and I would highly recommend it to anyone.
I am totally satisfied with my capital one savings and checking accounts. I also have a investment account with them. Coming from traditional banks like Chase, Bank of America, Wells Fargo ect.... It was refreshing to actually get paid interest above .01% witch should be an insult by the way and not be charged monthly fees just for the privilege of banking with them. The customer service at capital one has been the best I have ever experienced. Several time when bogus charges were attempted to be withdrawn from my checking account the resolved the problems immediately. Also I love their mobile app and website very user friendly and easy to use. Other banks should be taking notes on how to treat a customer. Thumbs up.
I've been using Capital One as primary bank provider for my checking/savings account, and for credit and loan transactions for several years now. I have had pleasant experience with Capital One since they were able to met my needs all the time. Transactions are good with reasonable interest in some instance. I will consider Capital One as a bank of choice and I would be glad to stay with them until the future.
I have checking and savings accounts with CapitalOne360. I have been with them for three years and I have never had any issues. Their interest rates for savings accounts are competitive and higher than many other institutions. I love the Person2Person payments which allow me to pay other people with just a phone number or email address. I also like the Creditwise function which lets me monitor my credit score, factors affecting my score, and my open accounts. I almost exclusively use the smartphone app which lets me view all my accounts, transfer funds, make P2P payments, make check deposits, and view Creditwise. On the website, you can set up savings plans with a saving account and view your progress to specific goals. I also love that their checking and saving accounts are fee-free. As long as you withdraw cash from an Allpoint ATM (or get cashback on a purchase from a grocery store), you never pay any ATM fees. Overall, I have been very pleased with my CapitalOne360 experience.
I have banked with capital one 360 for over 10 years. They were previously ING Bank and at some point Capital One took over, as an internet/online only branch of their banking services. I had a great experience with both ING and Capital One 360 and do not have a physical bank nor do I want one. Cap One 360 has a easy to use online interface and an app. I am not charged any fees for anything unless I use a an ATM out of their list of providers, even then Cap One does not charge me a fee, I only pay a fee the other provider charges. My checking and savings accounts both earn interest each month and I pay no fees for that. I have an overdraft line that charges me interest on any overdrafts that occur, but no other fees are charged for over drafting. I can seamlessly transfer money between various savings and checking accounts as well as my wife's accounts with Capital One 360. I have also set up a retirement IRA account and a capital one credit card that is linked to my Capital One 360 accounts and make for easy transactions and all my information (banking, retirement, credit) can be viewed on a single page. I use bill pay services and online checks frequently. They are incredibly easy and efficient. I do have a physical checkbook when needed. I have also had nothing but great customer service if I have run into any issues. My debit card was recently compromised. I was able to go online and immediately deactivate the card. I was able to quickly get through to customer service to report the situation, and once the fraudulent charge had cleared, i was able to go online and easily submit a claim. It was processed within a few days and the money was returned to my account and new card issued within 2 days of the event. Great Bank, cannot recommend them enough.
I recently signed up for a CapitalOne 360 checking account. The account was very easy to set up. It has no fees associated with the account. It has an interest rate of .2%, which is better that many other banking accounts. The debit card came in three days, shipped FedEx. I haven't had the account for very long, so I can only guess at the level of customer service, but based on my experience with them as my credit card carrier, I would imagine in to be about average. They also offer an overdraft line of credit with a fairly modest APR, which could come in very handy. I am excited to try out this new service, as I have never had a strictly online bank account.
Capital one 360 is a decent overall bank. They have competitive products versus my local bank and has a big advantage in that they have no fees for their online checking accounts. Transferring money isn't a big hassle but it does take 1 or 2 business days to receive money from different accounts. It is an overall good experience however and I would recommend it to others.
Capital One 360 is way better than any other bank! I have banked with small hometown banks, Bank Of America, BB&T, RBC Bank, none of these come close to the caring for customer the way Capital One 360 does. Setting up a personal and business checking was simple. No FEES at all on either account. Free Debit Cards for each account. And my personal checking is interest-bearing! You cannot beat that anywhere. The online BillPay is free, whether you are using the BillPay online or sending a check in the mail. You can transfer between other banks if need be. Example, I have another account with Capital One, and I am able to do transfers free with Capital One 360. I also needed a Wire-Transfer done when purchasing a home, and they helped me the whole way through over the phone. They have such superior customer service care. I have been with them since 2015 and will be staying with them! Capital One 360 is the BEST!
I have had a Capital One 360 saving account for over 15 years I started it back when it was ING. It's very easy to transfer funds from my normal checking into the Capital One 360 saving account using the internet. I almost forget I even have it until I get my statement. I can also use the model app to make a deposit. The interest rate use to be very high but that has come down over the last couple of years due to the economy, but it is still a very good entity to deal with. Every week they take a set amount from my checking to add to my savings I don't even notice it. I have never had the need to speak to then via the phone or email, the website has everything I have needed to manage my finances.
I thought it'd be cool to open up an account since i have credit cards with them, but I'm disappointed that i get paid on Saturdays but can't get my direct deposit till Monday. I researched it first and didnt think to call to make sure. I'll stick to my traditional bank for that. I always get my deposit on Saturday with them.
I signed up for an ING Savings Account more than a decade ago. I was a little worried when Capital One took over, I have heard negative things about the company regarding their credit card practices. However, my experience since they took over from ING has been nothing but positive. There are no fees associated with my accounts, I have a debit card connected to my checking and several savings accounts. There are no fees to make transfers between accounts or to one of my linked accounts at other banking institutions.
The additional savings accounts are no charge and this allows me to keep money ear marked for different things in different accounts so it is easy to visualize what money I have saved for what things. For all of these reasons, I can say that I would highly recommend a capital one 360 account to anyone interested in online banking.
I used Capital One 360's banking for about 6 months. I was drawn to them because my friends had accounts there, and I'd read that they offered competitive interest rates. I decided to move my savings and two checking accounts over to them. The savings account had a .75% interest rate with no minimum, which was extremely attractive, compared to other bank's .05%. The website was well designed, and I liked that the app integrated with my credit card. The biggest issue I had that ultimately led me to transfer back to a brick and mortar bank was the lack of ATMs in my area. There was only 1 Capital One ATM in my area, and it was in a store with odd hours. I save in cash for some goals, so this was frustrating. Capital One restricted me to 3 separate accounts, and if I want to meet my savings goals, I prefer to separate these accounts out.Overall, Capital One was a great bank and I could see their model working for many people, it just wasn't right for me.
Capital One 360 is the best bank I have ever dealt with. Just look up the bonuses that you can get just for signing up. I think I made about $200 just for signing up. Their service is great and there are no fees. One time my account got hacked and they took care of it fast and I got all my money back. Doing online transactions are a breeze with them. They are my favorite and I plan on staying with them a long time.
I opened a savings and checking account with CapitalOne 360 in 2007. I was tired of being charged frequent fees by my bank (Bank of America), as well as getting paid 0.1% interest. CapitalOne 360 pays 0.75% interest and has absolutely no fees. If my account is overdrawn, they charge interest on the past-due amount only, but there is an instant email notification so that funds can be transferred to avoid any interest fees at all. There is no minimum balance needed in order to earn 0.75% interest. Setting up multiple savings accounts for budgeting is as easy as several clicks. I have about 10 savings accounts with a nickname so I can put money into each fund as I save for a future expense. CapitalOne 360 is customer-oriented and has a quality of service that is matched by none.
When I moved to the city in which I currently live, I was in need of a bank but wanted to try an online one for a change. I decided on Capital 360 because I had heard from several friends that they were a good place to start. The application process was really simple and painless. I just needed a checking account, so I only had to fill out a single form. I heard back within minutes and was able to use it that day. I have only needed to contact them once to reset my password. The gentleman on the phone was really nice and rest my account within a few minutes. I would imagine I would open up a savings account with them in the future.
CapitalOne 360 is the online banking branch of Capital One -- formerly ING Direct. I have been a customer of theirs since the ING days. I like the convenience of online banking. I especially like being able to make mobile deposits. When Capital One took over ING I initially found their mobile deposit app clunky. I often had to take pictures of my checks multiple times in order to deposit them. Recent updates (and perhaps also due to the fact that I have a new phone with a better camera) have made the mobile deposit app much easier to use. Now I simply focus the phone's camera on my check, the program focuses in and snaps the picture, I turn the check over and repeat. To make the deposit, I enter the amount and slide my finger across the app. Instant deposit. It's fast and much more secure than sending a signed check through the mail -- the old way of making deposits before the advent of the mobile app. My only annoyance with this app is that even though I ask it to remember my password, it often doesn't -- or it does, but asks me to confirm my identity by entering a security code that they email to me. So I have to wait for the email (Or text --that's another option) enter the code and then proceed to my deposit. I'm usually in a hurry -- sometimes getting ready to walk out the door -- and waiting for this extra step is a big annoyance. I do wish they would fix this. Other than that annoyance, however, I'm very happy with CapitalOne 360. I can go online (or on my phone) and check my balances any time, and it's very easy to transfer money between my accounts or to non-CapitalOne accounts. I can have as many accounts as I want -- separate accounts for things like savings for a car or vacation. There's no extra charge for multiple accounts, and the accounts earn interest (admittedly a very tiny amount of interest, but still, it's something.)
I'll start being blunt: I'm not in love with Capital One 360's product but it serves its need. My main bank will not allow me to transfer from the Venmo app, so I started Cap One 360 as a secondary account and I do like it. The website and app are easy to use and user-friendly, no real burdensome fees either. I got my bank card quickly and setting it up with customer service was easy. However, I would say that some of the transfer times to other banking institutions are a bit slow and the sign-up process is a bit burdensome, having to transfer money back and forth between their bank and your primary bank. I'd recommend it if you need it for specific reasons.
Capital One 360 used to go by another name. I became a client two decades ago since at the time the interest rate on their savings was higher than any other bank I had seen. I worked at a bank at the time and a customer recommended the website to me. They are strictly online and I never had any issues with doing a name change, or transferring money. Any question I had were answered on a timely manner via their messaging platform. Opening up additional accounts was extremely easy. Closing one of my accounts was also just as easy. I only held savings accounts with them. I started with one, and then opened up two more. I had to close out one of my accounts when I reached my savings goal for that account. I liked how I was able to nickname my accounts so I knew exactly what the money was for. I loved that everything was done online, which is the best way for me to save.
I have recently looked into online banking. I've read some reviews and most were very positive. I finally decided to try online banking and because I've dealt with Capital One before,I decided to try them. I moved my personal checking account over to Capital Ones online banking and I could not be happier. The ease of my online banking is a big hit with me. I can do everything online as well or better than a traditional bank. They offer very competitive rates and the fees are reasonable and inline with traditional banks. They also,offer CDs,savings,iras and college accounts as well as several others. I've already looked into a personal savings account as well as college savings accounts for my grandchildren. I couldn't be happier with the customer service department and the very professional help I've received. I,highly recommend online banking for anyone thinking about it.
I open my account over a year ago and I love it. It's free to use there is no monthly fees. The APY on the checking account is 0.2% which is more than my local bank savings. The app is great you can transfer money easy between banks and also deposit checks. Deposit clear next business day to. There are also plenty of free ATM in my city. Overall I'm extremely happy with my account
I had banked with Capital One 360 checking because I liked the fact that you could take your checking account and divvy it up into different categories. We are following the Dave Ramsey plan, and and assigning a specific sub category for all of our money was especially helpful. The biggest drawback was that it took so long for money to transfer in order to pay bills. The customer service wasn't great either when I called to try to resolve the issues. In the end we just went back to a basic checking account and did subcategories on paper on our own. It was too difficult to get cash out since there were no ATMs or local branches. We had also tried another online banking called PerkStreet that had awesome returns, but they closed unexpectedly and when I called to withdraw my funds it took weeks to get them to send me a check overall, we prefer brick-and-mortar building so that we can go on and talk to actual bankers and set of having to call customer service all the time. We bank now with a rather large bank instead of smaller banks that are just starting out.
Overall, I would say that my experience thus far with capital one 360 online banking has been incredibly convenient. I have never had a issue with payments and all transactions go through in about a day's time. The site is simple to use and everything is laid out very simply. I primarily use the mobile app and everything I need is easily located on my dashboard. When making a payment, such as for my credit card, it is easy to simply click on my account on the dashboard and see the details of each transaction that has been made. I also have a savings account with the bank and it is easy to set up a scheduled deposit time. I have it set up as a weekly deposit and it really does reduce the worry of how much I need to deposit each week. With the fast transaction time, convenience of use and lack of any fees, it is a wonderful online banking experience.
Capital One 360 was suggested to me by a friend years ago. At first, I was very hesitant because it's solely an online bank and I wasn't sure if I felt compfortable with that. However, after using it consistently, I have been very pleased with their service, both online and on the phone. I have honestly had no issues with them at all! Being someone who has had to switch banking institutions many times, this is nothing but helpful! They've answered phone calls, helped me with any questions I've had. I use the institution for more than ten accounts these days.
I first signed up for a Capital One checking and savings account years ago because they offered a $50 bonus. Since then, I have continued to use those accounts for online purchases and for savings. Their savings rates are much better than my brick-and-mortar bank. When I have had questions about my account, they have always been happy to answer them. I never have to wait for a long time on hold to talk to someone. They actually have cafes in my city, so I can get half-price drinks if I pay with my Capital One debit card. I can also talk to someone in person, but I rarely do. My accounts have been so easy to manage that I mostly just login. The only thing I don't like it is that it takes a long time to transfer money -- 5 to 7 business days. I'm not sure if that is because it's an online bank or that is the industry standard, though.
After carefully shopping around for a new bank in my new state, I decided to go with Capitol One 360. We live a in rural area and do not get to town often. I do most of my bill paying online and I run a small business from my home. I needed a secure, convenient way to do my banking whenever I needed to. I opened my account and could not be happier. I can deposit checks through my smartphone. I can pay bill online. I can transfer monies through my paypal account and other payment accounts directly to my Capitol One account. If I need to deposit cash, there is a ATM nearby where I can do this. My only reservation is not being able to go into a branch office if needed. So far, that hasn't been a problem. Once I needed to talk with someone and I called their customer service and they were prompt and very helpful. They have overdraft options and in one of them they don't charge an overdraft fee, which is something I have never seen before. The account is completely free. This is the best option for someone like me.
I have had a small savings account, it began as ING and changed to Capital One several years ago. I don't actually remember being asked or gave permission for my money to stay with the new company but my account seemed to stay the same, five dollars set aside each week with a small amount of interest accrued. Ever since the change, I get credit card offers at least twice a month from Capital One. I had my password stored in my old computer and when I could not reset it online, I had to call customer service. They would not give me a password reset sent to my email, they told me they had to send it in the mail. I did not understand why since they use my email for notifications, that they had to send the new password via snail mail. Once I got the password though, account worked fine.
I signed up for an online savings account to fund a yearly vacation. I initially signed up due to easy access and friendly online appearance. I set up a weekly auto transfer from my primary bank checking account. The auto save program has been better than the savings account connected to my bank, as I don't see the balance every time I check my balances. Since I see the account less often, I tend not to withdraw money as often. It really has been "out of sight, out of mind" money, and I have been pleased with the ease of deposits and access. When I gave needed money from the account, I simply transfer the funds directly to my primary bank checking account. I have never had an issue that required I call customer service, but I suspect they would be helpful and professional.
I originally signed up with Capital One 360 back when it was owned by ING. They offer a savings rate that is exponentially higher than what you would receive from a traditional bank. Usually when I check savings rates, only Ally Bank's is higher. However, I stick with Capital One 360 because they have an excellent website interface. The also offer a mobile app that is very easy to use. It allows me to make transfers between bank accounts while I'm on the go and it only takes a few seconds. I receive email notifications for any activity made through my account, so I feel safer knowing that this would alert me to any fraudulent activity immediately. I also have several CDs with Capital One 360 and the process of opening them and maintaining them is so simple that it makes me want to create as many as possible. Overall I have had a great experience with Capital One 360 and would reccomend it to anyone.
I opened this account a few years ago when they were advertising a great savings interest rate. It was very easy to open the account and link an external bank for transfers. I also opened a checking account so I could immediately transfer funds from my 360 Savings to my 360 Checking and use the debit card ASAP in case I needed access to funds. They shipped my debit cars and checks in a very timely manner. The entire process was very straightforward and in the years that I've had the accounts I have no had any problems.
The one issue I see is that I don't get much feedback from the company about new technology such as issuance of chip cards and security concerns. They have also lowered their advertised APR which has driven me to open an account with a local credit union with a higher interest rate. If Capital One 360 decides to once again offer competitive interest rates, I would not hesitate to put the majority of my savings and/or CD investments with the bank.
I have been banking with this bank since 2006 and I have nothing but good things to say. I was worried when the bank was initially aquired by Capital One but service has greatly improved in that time. I called recently to get my name updated after getting married. I had tried to do this with the previous bank (ING) and it was a complicated process and I decided not to pursue it further. With one simple, easy 5 minute phone call I was able to get the name change completed. I love that I have no fees and receive interest even on my checking account. I appreciate being able to easily open multiple savings accounts. I wish it was possible to have more than one checking account with them though. The one drawback that I have found is that I also have to maintain an external banking account to be able to deposit larger checks or cash. Overall though I have recommended this bank to multiple people.
I had always used the traditional form of banking meaning local branch,in person etc. I had read a lot about online banking and the ease and convenience of it so I decided to look into it. I decided to try capital one online banking. I was pleasantly surprised. What I found was competitive rates and fees and many products offered. I switched my personal checking and personal savings accounts to capital one. I love its convenience and its customer service is outstanding. I recently inquired about CDs and iras and have just opened up a Roth IRA. I am also opening a college fund for my granddaughter and am looking into more services they have to offer. I highly recommend capital one online banking for all your personal banking.
I have been banking with ING Direct (now Capital One Bank) since 2007. I am not very good at managing my money when I was younger, and never really learned how to keep track/balance a ledger so I would go overdraft a lot. I would incur these ridiculous fees for minor purchases that would put me below a zero balance. I would always joke with my friends that my $2 purchase at Taco Bell cost me $37. I was involved in a vicious cycle with the storefront banks, and somehow discovered ING no fee banking. They promoted saving, and if I went over by a couple of dollars here and there I was allowed to with a small line of credit attached to the account. I have never been happier, and I am not wasting money on fees. My only issue with them is there is no place to deposit cash. It hasn't been an issue in the last ten years, but I was working independently for a while and accepted a lot of cash payments. I looked and looked for a place I would be able to go to deposit my cash so I could pay my bills online, to no avail. Other than that small issue, I love having a non-storefront bank, and wouldn't have it any other way.
I have been using Capital One Bank for about a year now and while the general Capital One brand is not associated with an online only bank, this particular subset of it is. Capital One Bank is an online only, saving/checking debit account with no minimum upfront deposit fee, no annual charges and earns a small amount of interest every month. The card can be used pretty much anywhere Mastercard is accepted and is used internationally as well. Every transaction is easily recorded online and can be accessed through their site. You can also request a free checking book through their site, which also has free delivery. They offer great customer service and are happy to assist with any problems you may have, resolving card issues quite promptly. I highly recommend them and plan to use them far into the future.
My favorite bank and the one I having been using for years is Capital One Bank. They are a great free online bank. There is no fees for anything and they will even give you $50 three different times for doing things like using your debit card three times for any purchases. They even have free withdrawls as long as you go to there ATM's and they are everywhere. The customer service is great, my account was hacked and I had over $300 taking from me. I contacted them and they found my money and got it back to me.I never had a problem since, my account password was most likely weak and now O have a very long complicated password and I am not worried about getting hacked at all. Deposits are fast just like everything else about service. I really recommend Capital One 360 and plan to stay with them a long time.
My quest for an emergency account led me to ING, now Capital One Bank. An interest bearing checking account with no required minimums were two main factors. A debit card gives me access to my funds when needed. I have had nothing but great service. You see, I do not require a smile or a thank you, I merely require the service that is promised. Capital One meets that requirement. I have opened a second account, a savings that I auto-deposit to each paycheck to cover my periodic large payments on auto and house insurance, plus real estate taxes. This account functions as my own interest earning escrow account, and I am able to pay those bills with a bank draft, quickly and easily. I am a happy customer.
We have our savings account with Capital One Bank because they have the best interest rate that we could find anywhere. We have had no problems with the bank at all. Fees are non-existent. It is always accessible. I can access my money from any location through ATMs, online banking, and the mobile app. I've never had a problem where I needed real customer service help, so I can't really give an example of that. Overall, we are very pleased with this bank.
I first got this bank account about ten years ago, under the business name ING Direct. It was a simple savings account that was difficult for me to withdraw from; it takes several days to transfer to another bank account, as it cannot be accessed or withdrawn directly. There are no fees for the account, which I enjoy, and setting up my direct deposit from work to submit a mere portion of my check was rather simple. Capitalone bought out ING several years ago, and after they did, I had trouble logging in, and had to call support. You can't simply email and request info, you must speak with a person. The guy I spoke with was nice, and solved my problem pretty easy, and also figured out why I wasn't able to log in - I was using the wrong username. The mobile app is pretty nice, simple, and easy to use.
I only have a savings account with them, as I did not qualify for the checking account when the bank was ING. I haven't attempted to create a checking account with capitalone, because I already have one with another bank. I am content for the moment in having just the savings account.
I opened a checking and savings account with ING a few years back before they were purchased/merged with Capital One. The first impressive part about the company was how they managed the transition from one company to the other. It was seamless and very little was needed in terms of communication initiated by me because I knew what was happening and why and when.
In terms of the products, Capital One institutes a couple of no brainer services that make so much sense for anyone who would open an internet only account. First, there is an access code you can generate if you want to use services like Mint or Personal capital. This way you don't have to share your account log ins. Also I feel like the fee structure (which is basically non-existent) is pretty straight forward. In this day in age, not many people believe in paying for a checking account to cover a bunch of features that they aren't going to use, so removing those fees and investing in the things like not charging an ATM fee ever is much more beneficial to the consumers.
My first check was held for a week.
Customer "service" assured me that a check deposit is never less than 3 days. I was assured that direct deposit would be immediate. That means two days.
I put my money back into my normal bank and paid bills there where I can get a check cashed in two days. If I can't get quicker transfers, I'll let it go.
I have to admit when I first thought of using an online only bank I was skeptical. No tellers? No brick and mortar office? Not sure this will work for me. But, I kept hearing the name Capital One Bank over and over. When I was looking for a separate bank account for only myself (separate from my husband) I decided to give it a try! Wow, was I surprised! Great products, very reasonable fees, wonderful customer service and just a great overall web/mobile experience! I HIGHLY recommend trying them out. I mean, really, who really wants to stand in another teller line!?
If anyone is looking for an online/internet bank, Capital One Bank is the one I'd recommend. It's easy to sign up and there are NO monthly fees. I have an online checking account with direct deposit. The direct deposit is fast and secure. They even have a cash back with most stores you shop at. They also have a savings account. It's a bank that I am so pleased with and have even had many friends sign up as well.
Capital One has been the first bank I used after college and I love it. They offer multiple free ATMs in my hometown. I love their mobile app and the ability to cash a check just by taking a picture of it. This was a feature I wasn't aware was a deal breaker until I had to cash a check and had no idea what I would do since my bank was an online bank. I was pleasantly suprised that depositing it was as easy as snapping a picture. Their customer service agents are some of the friendliness people I've talked to as well. I had one agent who help me determine whether or not I could open an another account as a payee for my son. He stayed patient and walked me through multiple options. Also appreciate that if you lose your debit card, it's always free to get another (I've lost my twice this year). They offer all the features one wants in a basic checking account and their customer service agents go above and beyond.
I have been a customer with Capital One Bank since 2007. I have multiple checking and savings accounts with them and receive stellar service. They pay great interest no matter what balance I carry. I have called to resolve issues regarding transfers, PIN updates and balances, and I always receive prompt, courteous service. My daughter turned 18 and is now eligible for an adult MONEY checking account. I called Capital One Bank last night to receive help with setting up her account. Both my daughter and I talked to the representative and received specific instructions as to how to set up the account profile. I highly recommend Capital One Bank to anyone who likes to bank online and wants to talk to a live person when there are any questions or issues. Also, investment banking is available through ShareBuilder which allows customers to invest online with minimal costs and no hassles. Capital One Bank is committed to making saving money easy, and I look forward to being a Capital One Bank customer for years to come.
A little over I year ago I was looking for a new checking account with several key features. I wanted a free account, a chipped debit card, no minimums to worry about, and most important Apple Pay support. Much to my surprise there were NO banks in my community that had all of these options combined in one account. I then began to look at the internet and came across Capital One 360 checking. It looked like they offered what I wanted, but I had never used on online only before. I decided to give them a call and was put through to a live rep right away and he was GREAT! He answered all my questions and even told me about his personal experiences with the 360 checking account. I decided to open an account and I could not have been more happy. Everything has been perfectly smooth, I've had no issues with depositing or withdrawing money. My card works everywhere and the Apple Pay support was easy to set up. I could not recommend this account more to anyone looking for an account with a lot of good features at an unbeatable price of FREE!
I've had an account here since before they were bought by Capital One - was called ING Direct when I first opened my checking and savings accounts. What I like most about the account is that I can make cash withdrawals with my debit card almost anywhere, and for free. In the US any ATM with Allpoint service provides free withdrawals. I typically find these in any 7-11, or the ATMs that Citibank deploys in places like Target. But the best part yet: I was posted to China for a year, and found that I could withdraw RMB from my USD Capital One Account, and there was no fee associated. Moreover, I found the exchange rate to be very reasonable at the time. Thus, it turned out to be a great solution to 'cash access' while travelling throughout China.
I banked with IngDirect for several years and they were bought out by Capital One Bank. People weren't sure what to expect from this major change. I think overall, there are benefits and deficits that I've seen. My deposits to my account tend to be deposited right away. The practice that doesn't work for me with the deposits is, if I have a check to deposit it will need to be mailed in. It can't be added to an ATM deposit, not clear why. The checking accounts are free at this time, this is a convenience. I also like that you can generate your own checks and cashiers checks from your checking account free while online. So far fees have been fine.
I signed up for this bank after being tired of the well known brick-and-mortar bank I have been using for the last couple of years. I wanted a bank that would not charge me so much in overdraft fees or service fees. As far as fees go this bank is one of the best. They do not charge a monthly service fee and their overdraft fees are one of the lowest. The customer service is excellent, I did not have to talk to an automated voice for very long and did not have any hold time. The one drawback is that if you deposit money into the account that is not direct deposit, there is a hold of five days. This hold time was too long for me and I didn't use the account for very long before closing it.
I have used CapitalOne360 checking since it was ING. It is definitely a different kind of experience and geared towards the younger, millennial crowd. ING was a little different, funny in their approach and customer service, similar to how Southwest airlines is a little different. They maintained this style and brand even after being acquired by Capital One. You do not feel like you are dealing with a large faceless corporate bank. They are always quick to respond and very helpful. The fee structure is extremely reasonable and they offer cash back rewards for large dollar deposits. I'm able to now link my CapitalOne360 with my investment accounts (also formerly ING) and Capital One Credit cards making it very easy to use and transfer between accounts. They offer bill pay and mobile deposit. They offer check-writing and a debit card. While not having access to a physical branch can pose a problem sometimes, and the deposit hold times seem a little long, I would highly recommend CapitalOne360 if you're looking for an online checking account.
I have two accounts. a checking account about 5 years old and a CD about one year old. The checking is registered in my trust. The bank will not register my CD in a trust. After complaining for about one year about the CD a manager told me not only I can't register my CD in my trust but there is no way to add a beneficiary or PAY on DEATH because the bank has no way of doing it and the employees have no idea if and when the bank will be able to register the account in any of the three choices(trust, beneficiary, or POD beneficiary).
Overall, I am not happy about my Capital One 360 bank anymore. When the bank was ING Direct I used to have a big interest rate. That was the only reason I moved my savings there. Now, since the rates are low, there are almost no benefits of keeping my money there. In fact, it's more of an inconvenience to move money in and out of this bank. It takes days to transfer to my local branch, and even when I have to take cash out, I have to move it to another internal Capital one account to get my money. Some transactions don't even complete, so I end up paying penalties.
I opened a Capital One 360 savings account. This was my first experience with internet/online banking. I've always used a brick and mortar bank, but Capital One offers much better interest rates than any of my local banks do so I thought it would be a good move. I tried to transfer $1000 from my local bank to this savings account. Capital One said they had to verify my account before I could transfer money. They would make two small deposits and I was supposed to report how much those deposits were. This would take 2-7 days. They deposited the money, I reported how much the deposits were, but the $1000 wasn't transferred right away. So I got the brilliant idea that maybe they needed a check to transfer the money from my local bank to Capital One. So I wrote myself a $1000 check. As most of you probably can guess, this resulted in $2000 being shown as a deposit. Except I only had $1000 in my bank account. So I called Capital One, and they said not to worry. I called my local bank and they said the check would be rejected, and there would be a charge for that, but otherwise it would be okay. So it worked out with only a $25 stupid tax, but I've learned how to deposit money and now I'm a 360 fan.
I have been using Capital One 360 online banking for a few years now. I have nothing but good things to say and share about them. I've used both their online support as well as phone support and have gotten simple, easy to understand answers within reasonable time limits. I really like that you can have multiple accounts; I have about 10 currently, and all are linked together for easy access and transfers both within the company and with other banking institutions. I highly recommend Capital One 360 to anyone looking into online banking.
My experience with Capital One 360 has been exactly what I've been looking for. It's difficult to nearly impossible to live nowadays without some form of digital payment. Whether you're buying something on Amazon, or need to pay your bills in a pinch, having a checking account is a must. Unfortunately, many banks charge fees. Sure, they can be waived when you meet certain requirements, but not everyone has that option. For someone without direct deposit, nor the luxury of having a minimum amount of money set aside to keep in the account, online banking is a great option. Capital One 360 was my first choice, and likely the only one I'll ever need. I can check my balance whenever I need to, the checks I deposit with my mobile phone go through relatively quickly, and best of all, no fees!
I never knew what 360 was when it came to Capital One. When I learned what it was, it ended up being just what I needed. I don't have any branches of my normal bank close to me now so this was a life saver. Before I moved in, I knew I would have to find a bank there that had a branch close to where I was moving. That ended up being hard and, luckily, I found 360. They make it very easy to deposit checks and money orders when it comes to their app. They even have a limit on the amount you can deposit each month that is way more than I will ever use, but is is nice to know that limits and other things on the app and site are easy to read and understand. Even though I do miss going to a branch sometimes, this company just makes it more stress free and easier to handle my banking needs in one spot.
I was able to open multiple savings accounts for free with this online banking system. My children were able to start saving using an online account. We were given bonuses for opening each account for my family members. The bank did not ever charge any fees nor have an hidden costs. I have been very pleased with the bank. It is very easy to access 24 hours a day and 7 days a week. Transactions have been smooth and I have no complaints. I receive paperless options which is great for the environment. Each year it is very easy to access my bank account in order to prepare my taxes. Statements are very clearly provided and easy to access as well. No minimum balance has ever been required as well. The bank is FDIC insured which guarantees I don't lose my money. The bank has been a great online option for me and my family.
I have been banking with CapitalOne360 since 2008. I opened my account online while I was sitting in class while attending college. At that time, the bank was known as ING Direct. My experience with this bank has mainly been on the positive side. I have had no major issues with them and the customer care associates are very friendly when speaking to them. The only issue I have is there are not enough ATMs available in my area that allow customers to make a deposit. I always use a money order to make deposits by mailing them directly to the banking center. It is very inconvenient having to do this. Overall, a great experience.
Capital One 360 is an online-only bank that does not have any physical branches. Since the bank only functions online, it saves money on overhead and passes those savings on to you. I proudly have a savings account and a checking account with them and am very pleased with the service. I pay absolutely no fees and the interest rate for the savings account is rather good. I use this account as my primary account to transfer money to and from various sources like PayPal and my gym membership and am very pleased with the speed of the transfers. In addition, I have used their debit card all over the country from Arizona to Hawaii and have never encountered any problems.
The one issue that I have with this bank is that it cuts back too much with its customer service and forces you to call them up and wait for a considerable amount of time to get your questions clarified. It would also be nice if they partnered up with other institutions like credit unions or convenience stores so that I could make cash deposits.
Other than the slight lack of customer service, it is a fee free bank that lets you relax knowing that your money is safe.
I started a Capital One 360 Savings account last year after a friend recommended it, and I couldn't be happier with it. It is incredibly easy to use, and signing up took less than a half hour. It was very simple to set up automatic monthly deposits from an existing checking account. The interest rate is amazing for a savings account, and I love that there are no fees. The website is very user friendly, and makes setting up transfers (both within and outside of the bank) or deposits a breeze. Mobile check deposits are also very simple, and again, don't have a fee attached (different than my traditional brick and mortar bank).
I have only had to speak with customer service once, and when I did they were friendly and helpful. Definitely no complaints with this bank, and I would highly recommend it.
Capital one 360 is my favorite bank ever. There are no fees or any type of charges. Even better, when you first open up a bank account with them if you make three simple debit card purchases in thirty days they give you fifty dollars. What a deal that is. If I ever had a problem, their customer service is great and they solve all of the problems. I have had this account for years and it is the account that I use the most. They also give you interest payments of a checking account. I really do not no how they even make any money from this.
I love love love this bank! I occasionally do overdraft, and not having ANY overdraft fees is nice! I've read that you'll incur an overdraft fee in the form of interest, but I've yet to see this. And even if so, it might be what... $1? I'm totally fine with that. If you go to an approved ATM there's also no fees there. I live in a fairly rural area and there's one in town that's very accessible inside Target. I only deal with direct deposit, and if I have cash I just spend it, so I have no need for a brick and mortar location. This place is great! Thanks!
My wife and I started a CapitalOne360 savings account many years ago- it was intended to divert funds for our wedding without the hassle of going to the bank. The easiest thing for us was opening the account and then every payday, deposit funds directly into the savings account. The best part of the account for us was the ability to transfer the money into our personal checking right from our living room. This was great because it takes a few days to hit your account without making an impulse buy if you want access the money right away.
We also had a very nice experience with their customer service department when there was a possible unauthorized attempt to login from a foreign computer. CapitalOne360 noticed that something was suspicious of the attempted login and immediately notified us as the threat. The best part was that our money was safe and sound right where it should be.
CapitalOne360 is an amazing bank- 10/10 would recommend
The Capital One 360 Online Savings account is overall a satisfactory account. I have thought about changing to a different bank recently because the interest rate, while still at an acceptable rate of .75%, is not as high as it once was. I know banks often entice you with a high introductory rate but in this case, I'm not sure the current rather pedestrian interest rate is worth the inconvenience of having no physical bank locations and a 5-day freeze on money transferred to other accounts. However, the user interface is quite nice, and it's easy enough to transfer money to other accounts, find my statements, and locate tax documents. They have also recently added the ability to check and track your credit score over time for free, which is a feature that the bank I use for checking does not offer.
I signed up with Capital One 360 when they had a special, and have a checking and savings account with them. They have no fees for both those accounts, which is amazing, and surprising nowadays. Likewise, there is no minimum balance for either the checking or the savings account. Transfers to and from this bank to my brick and mortar bank have gone through without a problem, and I haven't had any problems using the debit card.
The only issues I have had, is that when I forgot my password, it was a little bit hard to reset, as the site was being glitchy, and when I lost my card, it took quite a while to be mailed to me. Overall, I am very pleased with the bank, and intend to keep my account open.
I have a checking and savings account with Capital One 360, a fully online bank. Opening accounts there was a very easy process - it was all done online. The bank makes it easy to link accounts at other institutions to transfer money into and out of accounts. Money is typically transferred within one day. Their website is easy to navigate. Their interest rates, while not the highest among online banks, are decent and better than traditional brick and mortar banking institutions. Their accounts typically have no minimum balances and no fees. They provide e-statements and the ability to deposit checks using their mobile app, making them a truly paperless banking platform. Although I did not use it, they do offer online bill pay. Checking account provide overdraft protection and accounts are insured by the government. In short, they offer all the same features as traditional banks, but higher interest rates and fewer fees. They are definitely worth checking out.
I have a checking, savings, and money market account with Capitol One 360. Everything from opening an account to making deposits and even sending a check is done online. I've never had an issue with them. Their phone app is also easy to navigate and can be used for practically any kind of transaction.
In particular, I like their P2P payments, where I can send payments to people all via email with their phone app or online website. They also provide a better interest rate than the brick-and-mortar type of banks. The bank does not require a minimum amount of funds to be in your account and there are no fees involved in having an account open.
Their customer service is great as well and can answer questions quickly.
I've been doing my checking and savings with Capital One 360 for about 4 months now, and so far it's been very good. Just like with traditional banks, transferring funds from checking to savings is instantaneous. Direct deposits are processed quickly. Typically by 6:30am on the day I get paid, my funds are available. I have yet to use the mobile check deposit feature as I do not deal with paper checks very often.
The mobile app is very good. It works quickly and fluidly. It allows me to see my checking, savings, and credit card account overviews right on the first screen of the app, then a breakdown of transactions by selecting the account that I want. It does a nice job specifically of showing both current balance and available balance, accounting for pending transactions. This makes it a lot easier to keep track of my budget.
I have had a great experience with Capital One 360 banking. I have a checking account with them and I have been very satisfied with it. The fees are very reasonable and I received a $350 bonus just for opening the account and setting up my direct deposit from work to it. A couple of times I have had to call customer service for various charges or questions and they have been incredibly helpful and were able to resolve my problems very quickly. My purse was stolen last year and the person tried to use my debit card with Capital One at multiple places and as soon as I called customer service, they reversed all of the charges, sent me a new debit card and signed me up for credit monitoring for free. I would absolutely recommend this bank.
Generally I have had positive experiences with Capital One 360 online only banking. This bank satisfies my banking needs for paying bills and other expenses. Whenever I have needed to contact customer service, I have never had to wait long on the line. I had been a member with Capital One 360 since they acquired ING Direct, of which I was previously a member, and I have not noticed any major changing in banking since the change. I am able to deposit money into my accounts in several convenient ways including direct deposit of a paycheck, transfer of funds from one of my other bank accounts, submission of image of received check, and transfer through PayPal. When I first started banking with ING-Direct, they offered really good interest rates in savings accounts, much better than any non-online bank, however, current interest rates with Capital One 360 are so low that they're not even worth mentioning. Capital One 360 did not introduce the low interest rates, however. This change happened under ING-Direct. It is really disgraceful that banks could charge such high interest rates to consumers on credit cards, but not offer higher interest rates for consumers who save, in return. So I use other investment vehicles that offer much better interest rates. One feature of Capital One 360 that I really like is the overdraft protection. While the amount is somewhat low (25.00$), the bank does not charge you a big fee, like other banks do, if you go over your limit. Instead they charge you reasonable interest rates until your balance is returned to positive. This feature is a big plus.
I have had an account with Capitalone 360 for approaching 10 years. I have had no issues until recently when my accounts were frozen. I received a call from Cap360 with a callback number. I called back five times. I either cannot get through, get transferred then dropped, get transferred and wait but no one ever answers. All I know is that both my accounts are frozen and I cannot speak to anyone to find out the problem and how to resolve it. It is a good bank as long as you do not have any issues. Once you have an issue, pray you do not need your money any time soon. I will try one more time by visiting a cafe. If that does not work, I am going to the regulators.
Capital One 360 online banking is the best in the business as far as I'm concerned. it is the most easy and convenient way to bank. It offers CDs,Ira,savings,checking and personal loans all at very competitive rates. I opened it up online and do all my transactions online. I write out a check for deposit,take a picture of it and download it into my account online. The online experience and customer service is top of the line. I highly recommend Capital One 360 online banking.
I recently switched from Capital One to their online-only offshoot, Capital One 360, and I couldn't be happier.
Initially, I just wanted to create a Capital One 360 Savings Account, as they offer a very competitive interest rate and were, at the time, running a promotion where you could get a bonus for leaving your money in the account for at least 90 days. Making the switch was easy, and mostly could be done online. I only had to call Capital One to close my other savings account once my money was transferred over.
A few months after this, I moved, and the new city in which I live does not have any Capital One ATM locations near my home or office, so I was looking for a new bank for my checking account. Since I'd had such a great experience with savings, I looked into Capital One 360. I was pleasantly surprised to learn that they offered a better interest rate than my existing checking account, and offered ATM access at all AllPoints ATMS (more than 40,000 locations nationwide, and several close to my home). Once again, making the switch was simple and I'm very happy with my new checking account!
The only downside is that Capital One 360 does not have it's own mobile app, and it's a little confusing to access your 360 accounts from the Capital One mobile app. But the online banking interface is easy to use otherwise.
I have banked at Capital One 360 for about 2 years now. When I initially got the account, I was looking for a bank that I would be able to have a long term relationship with. Capital One caught my eye with a .9% rate on savings, and .2% on checking. I have the one checking account with them (which is the maximum per SSN), and about 15 different savings accounts. The max on savings accounts is 25, and are all visible from the main page. I use scheduled recurring transactions to help with budgeting, and having separate accounts like envelopes helps in the budgeting process. I also use share-builder which is capital one's investing platform. The balance there is visible below my FDIC insured accounts on the main account page.
I was skeptical when Capital One took ING over. I called on numerous occasions during the initial merge. The customer service was so nice and helpful and willing to go the extra mile. What drew me to this bank was the higher interest rates compared to traditional banks. I have stayed a loyal customer through the merger, and have been with them for more than 10 years.
I have been using Capital One 360 for about 10 years now going back to the time when it was known as ING Direct. At first, I only used it for a savings account since they had a higher than average interest rate. However, about 5 years ago, I also opened up a checking account with them. I still used my traditional bank checking account; however, this past year I grew very unsatisfied with my bank and moved all of my assets to Cap One 360. Since then, I have been extremely happy. I have been living as a visitor in Canada and my old bank was charging me international use fees - not the case with Cap One 360. Also, their no-overdraft charge policy has been fantastic and very useful for me (I cut it close sometimes in my travels).
On the few occasions that I've had to call customer service I have always dealt with pleasant, easy to understand and very helpful representatives. Talking to them has actually been pain-free and pleasant as opposed to a real pain in the butt like other banks have been. I closed each call feeling like I accomplished what I intended and dealt with an understanding person as opposed to a large bank/employee just saying the company line. I will continue to use Cap One 360 checking/savings for the foreseeable future as I have remained very satisfied so far.
I have a checking account through Capital One 360. I had felt some reluctance to start banking with an internet only bank, but it's gone very well. Setting up the account was quick and painless, and they were able to get me my debit card and checks in a timely manner. Direct deposit was set up through my work, just like any other bank. Their network of ATM affiliates was extensive and really made me feel like I might as well have had a local bank. I really don't go into a bank branch location anyway, so not having a person I could physically talk with didn't affect me much. As national banks start to go away from employing tellers, I believe banks like this will become more prominent.
I have a checking account and savings account with Capital One 360. Originally, my account was through ING Direct, and I'm pretty sure it was still the 90s when I signed up. I was a loyal customer with ING, but mostly used that account as my emergency funds. Since the changeover to Capital One 360, though, they've become more of a primary sort of bank.
Their check depositing system is fantastic - take pictures of the front and back of the check and whoosh them across the internet and within a few days the money is in the account. Sometimes faster than with typical brick-and-mortar type bank locations, even. Once it is deposited, they'll send an email telling you to destroy the check.
I have not had occasion to need their customer service in many years, but the one time I did need the help of an ING service agent, they were helpful enough and the situation was resolved quickly.
I had a less than stellar credit score, so banking options were limited to me, and Capital One 360 was an available option. I had a Capital One credit card when I was younger, and it was decent enough, so I decided to give their service another shot. Let's just say, it wasn't anything home to write about. Occasional downtime on their service, combined with a rather poor web design, and banking terms that I just didn't have time to really wrap my head around, made for an overall pretty poor experience. That being said, whenever I had to contact them about issues, I generally got a polite enough agent who was willing to assist with my problems, so there's that. I've since changed to a better banking service, but I wouldn't highly recommend Capital One 360. There's probably better options out there for you.
I was originally an INGDirect customer who became a CapitalOne360 customer because of the merger. The transition was smooth and their customer service has been great. I love the fact that they don't charge international ATM fees, which almost every other bank does! However, I just went to add another account and gave them a call to have it added/titled in our living trust. Monica told me that effective June 2016, they no longer will hold accounts with that type of title. WHAT? What bank doesn't allow accounts to be held in a living trust? Well I just read their updated disclosures (7/20/2016) and they have Living Trust as a type of account ownership, so I don't think Monica knows what she is talking about. Just wanted to let everyone know in case they get the same mis-information
I have been a member of Capital One 360 since before it was Capital One 360. I originally signed up with ING Direct at least 8 years ago. It was changed into Capital One 360 since then. I have always experienced a high levels of service and a great variety of products from them. The best thing about this online bank account is the very high savings rate. Currently it is 0.75%, which is magnitudes better than the return you would get from any brick and mortar bank. Its ridiculous how much interest I am able to accrue each month. I sometimes have to double check my statement to see that the interest payment is actually correct because it seems so foreign to see such a high return from a basic savings account. The only downside to this account is that it takes a few days to do a transfer to a brick and mortar bank. However, just keep in mind that online savings account should not be treated as an immediately liquid account. It is more of a semi-liquid account due to the transfer delay. All in all, I love my Capital One 360 savings account!
Because they changed the P2P service to the same one as chase, I can't use the feature. My email and phone number are already in the system with chase, so I can't get anything sent to my 360 account unless I get a new phone number or email. I liked that they were different, but it won't let me have an email with both accounts.
I have been a customer of CapitalOne360 since the beginning. They have no minimum balance requirements, extremely low fees, and offer over 40,000 free ATMs in their network. In fact, if you are charged an ATM fee by a host bank, CapitalOne360 will reimburse the fee. They also offer check deposit via the internet or via their mobile app... just snap a picture of the check and upload it. It's very simple and easy to use. No trip to the bank necessary. I have also found their customer service to be very responsive and always available by phone or chat with almost no wait time. I have used them since they were ING Direct, which was later acquired by CapitalOne. The service has only improved. Another nice feature is that you can additional checking and savings accounts at will right online and give them unique names and purposes, such as Vacation or Christmas account. Transferring funds between accounts is quick and effortless.
I've been banking with Capital One 360 for about a year. The main perk, for me, is that I can manage all of my finances in one app. I have my credit cards and my auto loans with Capital One, as well as my checking account, so it makes it easy. Sometimes it's difficult because there are no physical locations, but I've found that mostly everything I need to do is within the app. Plus, I hardly ever have to go on the website because everything I need is on the app. I've had to call customer service a few times, but I'm never on hold for very long and the reps are super friendly. I also LOVE that there are no fees for having an account, because that was my major issue with my last bank. Overall, I've had a great experience with 360 checking and I'd recommend it to anyone who has credit with Capital One.
I have had a Capital 360 checking account for several years now. I regularly transfer money from this account. I have never had a single instance of the website not being available when I needed it. All transactions have been processed timely and accurately. The interest rate is among the highest available for a checking account.
I have been using Capital One 360 for over a year now. It is great! I can easily check my account from my computer or phone at any time. I really like this account because I like to invest, and I have my 360 account linked to my Capital One Investment account. It makes it very easy to transfer money, so I don't miss out on anything. They have great customer service and are very quick and friendly whenever I have a question. I have used other online bank accounts in the past, but Capital One 360 is by far the best.
Capital One 360 is a great online bank to have. I currently have a checking and savings account with them since around 2010 and have been very pleased. Interest rates are the highest on both checking and savings accounts. Opening up an account is a breeze, and the online portal is efficient and easy to navigate. Frequently they provide bonuses for customers opening up new accounts. In addition, you can refer a friend for an additional $25 per friend that joins. Fees are minimal and appropriate. For example, overdrafts are billed on a percentage of the overdraft amount, not a flat rate of $35 plus the overdraft amount like other banks. I have contacted customer support a few times and was helped immediately, resolving my issues quickly. Overall, I recommend Capital One 360 to anyone interested in looking for an online bank.
I love my bank. I have a checking and savings with them. I have never had a problem with my money. I have only been with them for a few months now. Overall I trust this company with my money. I plan to use them for a very long time. They have other products, but I have only looked and haven't opened any accounts other than my checking/savings. One thing I must say that I LOVE about Capital One 360 is that there are no fees on their checking account. There are thousands of ATM's you can use. Also, you can deposit your checks into your account by simply taking a picture, but it takes a few days to clear.
After reading reviews of the several online banks that are out there, I went with Capital One 360. The customer service by phone is excellent. My only complaint is that I have had a problem on several occasions with accessing my account online. This problem was easily fixed when calling customer service. Overall, Capital One 360 is a great institution.
I've been using Capital One 360 as one of my primary banks for a long time. In fact...it was ING bank back when I first started using it. Through out all the changes and up till now it's probably been at least 10 years. When it first became Capital One 360 I was a little bit worried. I didn't believe at the time that the Capital One credit cards had the best reputation. But...the bank has exceeded my expectations. I still have a very active checking and savings account, but I primarily only use the checking account. The interest I get on money in the checking account kind of makes the savings account a moot point. Aside from the dependability of the bank the bill paying section is one of the best. It's quick, easy, and after many years...completely dependable. never had a problem with it. It is easy to sign up. It's been so long since I signed up I can't remember for sure but I don't think there is a minimum to get started. I recommend Capital One 360 to all my family and friends. In fact...as soon as my son get's home I'll have him sign up first thing. Then take him looking for a job!
I've used Capital One 360 for several years now, since before they were owned by Capital One.(it used to be ingdirect) I loved INGDirect and was worried when Capital One bought them out that they would ruin it. However, my fears were for nothing. Capital One 360 has continued to be my online bank of choice. Its super easy to sign up, they don't ask you a million questions. The web interface is one of the easiest I've used. Other banks have too may options and it takes forever for me to find just simple things like sending them an email. It took me 5 minutes to figure out how to email Wells Fargo. With Capital One 360 they keep it easy, I was able to find and send them an email in 30 seconds. They also are very quick to reply. Their rates on the savings accounts are better than the big brick and mortar banks as well. I am very happy with Capital One 360 and will continue to use them as my go to online bank.
I really can't say enough good things about Capital One 360, but I want to highlight a couple of positive experiences I've had.
About a month or so ago, I was looking for a bank for a small home business that I was starting. I checked the brick and mortar business I use for my personal accounts and I was disappointed at the amount of fees I would have to pay for a relatively small average balance. Since I already have a savings account with Capital One 360, I decided to call to see what my options were. I was delighted when I heard there would be no fees and no minimum balances that I would have to maintain. The gentleman I talked with was patient and very nice and answered all my questions. Because of the great experience I had with customer service, I opened up an account for my small business.
A few times over the past few years, I've had to call customer service; once because I couldn't get into my account and another time because I wanted to make some changes to my existing accounts. One again, customer service was excellent and helped me resolve all my issues.
I've been very happy with Capital One 360 and will continue to use them for the foreseeable future.
I recently switched to capital one 360 on the recommendation from a friend due to their ease of use and secure cards that work everywhere in the world. So far I'm very pleased with the service. There are no fees, the card is secure and doesn't get skimmed (a big problem where I live), and I can get someone on the phone to help me within a reasonable amount of time. The phone service is actually useful and helpful, a large departure from my last bank.
I bank with Capitol One 360. The bank is great because it is online, and the site is very easy to maneuver around . The only problems that I have with this bank is that the hold time is insane. I called customer service many times, and it never fails I stay on the phone for at least 20-30 minutes for just a simple question. I do like that I am not charged any fees and that the customer service is very polite when I do reach them. I like that this site monitors my credit as well with a credit tracker. Other banks that I had in the past never did this for me for Free. Overall, I would recommend this bank because they have been around for quite sometime, and once again they're not ridiculous with their fees.
When ING changed to Capital One 360, we were worried. ING had terrific service, great rates, no fees, no hassle and was online-only. We were worried about a big bank "takeover" from Capital One. Well, that happened quite a few years ago and the change has been seamless. We still have no fees, great ATM access, and helpful customer service. We were eligible for free checks, didn't use them, and when we switched our address, it said we were no longer eligible for those free checks anymore. I called up customer service, and they addressed the issue right then & there and mailed us our free checks. We are loyal customers and even though interest rates from other online-only banks seem to spike up there, it hasn't caught our interest because we are treated well.
I have a Checking and Savings account with Cap360. I love the generous savings rate for the savings account compared to other banks (with no max limit). I use the external transfer feature to move money when needed and it is secure and reliable. I have used the bill pay system and had no errors. I use the ATM at my local Target store and it has been free. I am careful to avoid fees and would not stay with a bank that had them. It was easy to work with a banker by telephone when I had to get help with my PIN. I have never had a problem with this Cap360 and I really appreciate that.
I used this bank back when it was ING Direct. I loved ING so much, I think I even told a customer service rep once that I would have the bank's babies. A couple of years ago Capital One bought out ING. I was worried things were going to change, but so far not much has. The interest rates keep dropping, but that was happening (along with the rest of the banking world) when ING was still in control. It's still very much an online-only bank. You can't go to Capital One bank branches, but you can use their ATMs. I like being able to have bunches of external accounts linked to my Capital One 360 accounts as it makes doing my household banking a bit easier until I get around to consolidating everything.
I have been with this bank since it was Orange, then ING, and now Capitol One. I love how I can make use of multiple savings accounts to categorize my different savings. It is super simple to setup and allows me to make sure I have enough money for a down payment on a car, or enough for a vacation to Mexico! The web interface is very intuitive and the saving rates are reasonable. I would always like to earn more interest but I'm not paying any fees so I guess I can't complain. I also used the debit card for overseas ATM usage since there were no foreign transaction fees. This was very helpful and allowed me to enjoy my trip to the fullest! Overall I would highly recommend using this online bank!
I deposited a check that was 3rd party Treasury signed over to myself capitalone360 deposited the check into my account and it's currently still holding my funds that are available to check is not fraudulent and they did speak to the check owner and they tried to verify her identity and they said because they can't issue any relation between me and the check owner that they can't make my funds available they've been holding my funds since April 8th 2016 my name is Maria
To start, I did not originally use capital one 360. Capital one bought out my investment bank. The transition to capital one 360 was quite smooth. I found their mobile app especially useful and easy to navigate, and as a frequent visitor to my money market investment account, this makes my life a lot easier. I have made several investments into money market accounts over time with capital 360, especially in the last two years. I always find their customer service excellence, though their rates are nothing special, and their overall bank is nothing but average. I enjoy their service, but I am able to find better rates elsewhere, and likely will change accounts soon.
I have had two Capital One 360 savings accounts open since 2006, one for generalized savings and the other earmarked as an emergency fund. Having an account separate from my local bank is great because I can put my emergency fund money there. It only takes a couple days to transfer between banks, so my money is always available if I need it, and that few day transfer time can be a deterrent to keep me from buying something I don't actually need. The interest rate at Capital One 360 is not the best of all of the internet banks at 0.75% at the time I opened the account, but it is better than any local offering. I have enjoyed working with this bank over the past ten years and look forward to working with them for years to come.
Bought a new house in Sept 2015, (it was built for me from scratch), got their 15 year ARM. In Jan, got a notice that my escrow account was too low, and that they paid over 7K in county taxes. Taxes should be around $2500. Tax authority sent the money back. After days and hours on the phone, they told me that they outsourced the escrow to CoreLogic, who determined that the tax liability was over 7K. The land was part of a bigger piece before the builder bought it, sliced it up and started building houses, hence the discrepancy. But it took months for them to fix it. They gave me a false 2015 1098, messing up my taxes. I told them to issue me a new one, and they said no, the 2016 will show a refund of 7K (making whatever I pay in 2016 not deductible..) so it effectively screwed up my income taxes for 2 years. I asked for a copy of the recordings of our phone conversations, they said no: those are 'privileged.' Customer service is legalistic and hapless from the bottom up, wasted hours of my time, and just kept blaming CoreLogic, but would not provide me with any means to contact CoreLogic. I also asked to be exempt from escrow, as I only owe about $110K on a 300K house (the original loan was for about 150K. They said no, because I haven’t had the account for a full year, never mind the 800 credit score, less than 50% LTV, and 100K income… I went with these guys b/c they were cheap, and it has cost me more time and stress than it saved me in $.
I hadn't had a bank account in so long that I didn't know where to start to look for one. I did a minor search and saw Capital One 360 mentioned more than just a few times. This was perfect for me as I didn't have a reliable means of transportation. I didn't have to gather up information that I already knew off the top of my head. It was easy to sign up on their website and in moments I had a checking and savings account. About a week later I had my debit card, some days after that I got checks. Yes they still exist, and you get the first book for free. I'm able to make deposits online through Paypal or Amazon Payments. I can even deposit check through their app, and it actually works. I would recommend them to anyone who wants fast and convenient service. I'm impressed and happy with the service so far.
At a time when I was low on funds and needed an account without any fees or minimum balances this bank account was ideal! The customer service is excellent, I've never had an issue with getting things taken care of. I do dislike how hard it is to put money into the account, with no branches or ATMs with cash deposit capabilities in my network within 75 miles of my home, it makes this account a little trickier. If you have direct deposit, then you have no problems, but if you deal with a lot of cash and will need to deposit it into your account, I would double check available locations in your area.
I disputed a transaction, they supposedly reviewed and then took my money anyway. When I asked for the documents that were provided to them as proof of my purchase, they would not provide them. I was charged for services not received by a 3rd party and Capital One 360 did nothing about it. Don't bank with them!
When I decided to join Capital One 360 I was looking to start my savings account for an Emergency Fund and I knew that online rates were way better than any of the local banks. One of my best friends had recommended them to me as he had been a user for a few years prior. I started banking with them 3 years ago and started with an automatic 360 savings account. It was so easy to set up and took less than 48 hours for me to get started. I have been working on my budget and getting debt free and thought how nice it would be to have a vacation fund so I didn't have to charge my trip. I started 8 months ago, an automatic savings plan each week, to start saving up for my family's trip to Disney this fall. I now have 4 different savings accounts and a 360 Checking account but they are all easily accessible from my same account and login. After I opened my savings account there was a holiday special that when you signed up for a 360 checking account you get a $75 bonus so I took advantage of the offer and like promised we received the bonus. To this day we still use the checking account for our gas money and when we go on vacations we just use this card instead of our local debit card. It is so convenient in case we need to transfer money from another account it is there immediately!!! It is so easy to transfer between accounts and at any time I need to adjust the amount going in or to transfer between accounts it is so quick and takes just a couple steps. I plan to continue to use capital one 360 from now on. I highly recommend this bank to anyone!!!
I originally set up a savings account with an online bank called ING Direct, which was subsequently bought out by Capital One 360. Comparatively, the customer service with Capital One has been far better, particularly because I'm one of those people who tends to lose their pin number or login information. That said, some of the things I really like about this kind of savings account may not be appealing to all consumers. I set up this savings account to limit my access, in the sense that it takes several days for money to transfer out of the account and into my checking account. As someone who has struggled with financial responsibility in the past, the inaccessibility of my money means that I really get to decide if something is an "emergency" or not. Admittedly, this can be kind of annoying if you are trying to meet a quick expense, but good if you have a tendency to dip into savings for things that you could figure out other ways to pay for. I also like the interest rate--0.75%--and I like that you can set up automatic withdrawals every month from your checking account. For example, if you want to start saving $50/month, you can set that up with Capital One 360. You can also cancel that feature any time. Finally, I like the fact that I can quickly set up accounts for different things ("Germany 2017 Fund") and then close them when that need has passed.
My experience with Capital One 360 has been great not only because it has not only because it offers zero fees but also they helped me to dispute a charge to my account that I didn't authorize. They too have great customer service as well. I lost my card in the process of moving, and because my replacement card did not arrive on the last day that they told me it should take, they actually sent a replacement for the replacement card via FedEx and waived the fee for doing such a thing.
I've been banking with Capital One 360 for a couple years now. I originally opened the account purely for a sign up bonus, which they offer year round. However, I have since used the account much more than I originally intended! Capital One 360 allows you to create as many savings accounts tied to your main account as you want; I use this functionality to create separate savings buckets with different goals. It really helps me save when I can see how much money I have saved for each project.
By far the best part about this bank is the fast and free ACH transfers. I have another account at a local bank, but they try to charge me fees to initiate an ACH transfer, along with the hassle of going down to the branch. Capital One 360 lets me do it online in minutes at no cost. There are also no fees involved at all with opening checking and savings accounts.
CapitalOne 360 bank, which used to be known as ING Direct, is a great internet bank if you are looking for savings and checking accounts. However, ever since Capital One acquired ING Direct, the rates have fallen significantly, such that many other internet banks (like AmericanExpress Bank or Discover Bank) offer much higher interest yields on the savings, CD, and checking accounts. While I am not sure as to the reason, I believe the cause of this is because Capital One has a high operating cost that prevents them from offering the higher rates to consumers, whereas ING Direct used to have very low physical presences.
The benefit of CapitalOne 360 is that they do offer online checking accounts, which many other online banks do not. Thus, there is no need to order checks for paying bills, since CapitalOne 360 will allow you to write and send e-checks to your landlord or anyone you seek to pay. CapitalOne 360 will take your request and mail a check on your behalf, which is much easier than paying for your checks every year. Also, you can access your cash through an ATM network, but it is limited to the STAR network. If you use any ATM not in that network, you will be charged handsomely (and these ATMs are not easy to find since they are not prominently labeled).
Originally had my account with ING, and was one of the accounts taken over by Capital One during the purchase. Checking was good with them. Nothing super great, but not bad either. They would charge strange fees, like $5 for a small book of checks. I will say that customer service was great when I had my paypal account hacked. They were easily able to prevent paypal transactions simply by blocking the vendor and then quickly set up a new account for me, transferred my money.
I like that you can easily set-up multiple savings accounts (for different saving goals etc). Some banks make you jump through hoops to open accounts, but it's very easy with Capital One. It was also very easy to set-up savings accounts for my kids so I have a safe place with a decent interest rate to keep their money.
I have had my Capital One 360 savings account for several years now. I fell in love with the idea of the online bank because it just made sense to me. Because it's an online bank, the bank itself has less overhead which means the cost savings get trickled down to me in the form of better savings interest rates and lower fees. I love my savings account because it has absolutely no fees. I can link all of my outside banking accounts to it for easy transferring of money between my accounts. Every time I've had to call the bank (for example to change my name on the account after getting married), their customer service has been excellent. I would recommend this bank to anyone in a heartbeat.
Capital One 360 is a great choice if you're looking for an online bank. I don't have a car, so it can be a huge hassle for me to go in to a bank branch every time I need to deposit a check or transact some sort of business on my bank account. I love that Capital One lets you do every aspect of banking from your own home. You can deposit checks simply by taking pictures of the front and back of your check and uploading them to the website. It's simple, quick, and painless. And I loved that I didn't actually have to go into a branch to open the accounts, and that I don't have to worry about being required to go to a branch to make changes to my accounts. It can be such a hassle when a bank requires you to handle these things in person when it can so easily be done online. I'd definitely recommend Capital One 360 if you're looking for a convenient online bank.
I have had a Capital One 360 checking and savings account (formerly ING Direct accounts) for approximately 8 years. To be honest, I don't use the checking account very much because my spending is almost all on credit cards, but the savings account has been very helpful. They don't pay the best interest in the market, but they always pay a fair rate that is higher than Bank of America, Chase, Citi, Wells Fargo, etc. Even more importantly, the website is well-designed and always works, and they don't change it all the time or take it down for maintenance. The ACH transfers work quickly and I never have to call for customer support because everything is online and easy to use. I also appreciate that they don't play games like giving you a nice rate when you sign up and then lowering it. Finally, I have never been charged a fee and I don't have to churn money through to avoid fees or maintain the interest rate. You can find internet banks with higher rates or promises of additional services, but Capital One delivers effective basic banking and doesn't take advantage of customers. I haven't noticed any changes since they took over from ING, and that is good because they have retained a satisfied customer.
I have had Capitol One 360 for 3 years for both checking and savings. I love the interest rate on the savings since they are at the top of the market. The interest on the checking and the ease of use is very good experience as well. I love the app available for mobile since it makes it super easy to manage my money on the go. The checking is free so that is more money in my pocket and when there have been fees it is very minimal. I have only ever had to call customer service a couple of times but every time has been a pleasant experience with very helpful people. I highly recommended capitol one 360 checking and savings over a traditional bank.
I chose Capital One 360 when searching for a non brick and mortar bank 2 years ago. I found that it was an easy to use and understand, offered great rates, and the lack of monthly fees, no minimum balances and no additional requirements to earn interest was exactly what I needed out of an online bank.
As a very happy customer of ING Direct, I was really dismayed when it was announced that Capital One was taking over. The familiar ORANGE website left first, the passwords were changed and that homey, grassroots feeling was gone. I expected to lose many functions and expected tighter policies - but they didn't come. The interest rate remains competitive, the communication remains clear and the transfers are accurate and timely. Capital One 360 encourages you to save and your former share builder account, the stock purchase program for small investors, can be linked with your Cap One savings and/or checking account. This convenience gives you a snapshot of your financial kingdom on one website and you can make it a part of your morning routine. To accomplish your life dream, reviewing your goals and current financial condition every day is one of the best suggestions given by the success guru, Napoleon Hill. While that warm fuzzy feeling on the website seems gone, the attributes of a better way to bank still remains.
I recently moved away from my credit union's area of operations, so I needed an online bank I could trust. After speaking with a few people, I was under the impression that CapitalOne360 would be a great start. They were not wrong! I was able to easily open an account linked to my existing bank account with the credit union. Not only was I able to create an account quickly, I was able to borrow from it if the needed arose. When I did borrow from it, a few times, the interest rate was really competitive and I felt like I was not getting taken advantage of. I have had to call their customer support line a few times to reset my passwords and all of the times the agents were really nice and friendly.
I've banked with several traditional institutions before, and can confidently say that Capital One 360 compares favorably to all of them - and might offer a better experience. Once I overdrew my savings account and wasn't aware of the mistake for a couple of weeks. I contacted the customer service and they were able to remove some of the related fees. The people there are very helpful and the banking works just as well as a traditional provider. I would strongly recommend this service.
I opened a checking account with the Capital One 360 online banking company, and so far it has been very simple and easy to use. So far I haven't once experienced an out of place fee or erroneous charge. Every time I check my account online, the service is up and running, and I can access my account very quickly. It also helps that there are a lot of ATM's nationwide that work with my service, without instituting annoying and hefty convenience fees. Another really cool feature I found was that I could take a picture of checks I want to deposit and upload them using a feature called "checkmate", which is a downloadable app. The only time I have had to use their customer service was when I forgot my password, but the associate that handled my request was friendly and got me my password within minutes. I would definitely recommend this site to others, especially first timers.
I have been banking with Capital One 360 internet banking for quite a while now. I've shopped around with the other banks from time to time and have yet to feel compelled enough to move my funds to another bank. Their service has been above average and I haven't had any major issues with them. The interest rates that they offer are usually competitive. They aren't always the highest rates being offered, but rates fluctuate so much that I'm not sure any bank is ever offering the highest at all times. Also, the customer service is great. Any time I've had a reason to contact them they have resolved my problem in a timely fashion and in such a way that it didn't seem like a problem for them. They were always friendly and polite on the phone with me. You know it's good customer service when they act like you're doing them the favor by calling! I would recommend looking into Capital One 360 if shopping around for banks.
I was actually pretty surprised about my experience with Capital One 360, since online banks don't necessarily sound like they would be the most convenient. However, it's pretty great. I can deposit checks online, and if I ever have cash to deposit, I can do so at al all-point ATM sans-fee. Not only that, but they charge very very low foreign transaction fees. Overall, this is an ideal account for travel. The transaction fees, coupled with low to no ATM fees, makes this account affordable. I especially appreciate that although Capital One 360 isn't a big bank like Chase or Wells Fargo, they are fairly prompt and speedy about making funds available and the speed at which money gets transferred between external accounts. Overall, I've had a really solid experience with this bank.
Capital One 360 is a great bank to use if you are looking for one. They will help you out with any problems that you have. Signing up is very easy and quick. There are no fee or minimums on their checking or savings accounts. I was skeptical at first because a lot of banks say this then have fees hidden away. That's not the case with Capital One 360. They are very helpful and are upfront with you about everything that they offer. I really wish I would have listened to my friends earlier and opened an account with them sooner. You never know what you are missing out on until you give it a try. Who know, you may just be as surprised as I was. If you are looking for a bank that is easy, quick, and hassle free, this is the bank for you.
I opened a checking account because of a promotion that offered a bonus for opening the account. Unfortunately, I had some problems online so I had to call in and was met by a very enthusiastic and helpful man who sorted through my problems and allowed me to open the account without trying to up-sell me on other services I wouldn't be interested in. The only downside to this is that I was sent a survey request regarding this contact and it was far more time consuming than I'd have liked.
The bank's online interface was very easy to use. I could easily see my balance and set up transfers as needed. The checking account pays a very minimal interest rate that varies based on the amount of money you have in the account, but it's still better than what most banks provide. And I was happy to see that I received my bonus as expected, when expected without having to call or message the bank. Very happy with the service thus far. And the checking is free!
I don't usually use the debit card provided with the account but I used it once at the store without any problems whatsoever. I also only initiate online transfers (no checks, etc.) so I can't speak to that aspect of the bank.
I opened a capital one 360 checking account online and after their security verification they told me the account is open now and I even received the debit card. Then I deposited a check in the account and the check cleared. After a few days, they contacted me saying that they couldn't verify my identity and they have closed the account. I was unable to get my money out of the account and I called them several times, they always tell me that I need to stop the check ( Do you believe that! Don't they know that cleared check cannot be stopped! Did they ever worked in a bank! ). It seems that they don't know what they are doing. I even filed a claim to Better Business Bureau but they ignored it. I think my only option is to go to court and file a small claim to get my money back. Please do yourself a favor and avoid this bank a all cost.
I first joined Capital One 360 with a checking account because they had just bought out ING Direct. I was one of the accounts they acquired through the transaction and I had been very happy with ING, so I was very worried about this new bank that had taken over. I was completely convinced they would eventually start charging me fees for my checking account and I even tried to open a new checking account with another bank (wish I hadn't bothered now).
It turns out CapOne started out like ING, then, as the years passed, continued to be like ING! I'm still very pleased with this bank that has exceeded my expectations and not once charged me for my checking account. I did have to purchase checks, but only for $5 and I still have the checkbook because I rarely write checks anymore. I get a very low interest rate with the account and that's okay because the balance is usually low. I don't expect to make money from a checking account, anyway, and there isn't a lot of better rates out there.
I'm just happy the checking is free and there are some locations in my area where I can withdraw cash if I need to at no expense. This bank has some of the nicest people--American people--to call if you need any assistance. (Surely, I'm not the only one annoyed at foreign operators with such heavy accents that you can't understand them and are taking our jobs away in the U.S.A.!) I've only had to call once due to needing to obtain my PIN number for my debit card and my customer service rep. couldn't have been nicer. This is a fabulous bank!
I've had my CapitalOne 360 account for over a year now, and it's an ok online bank. My biggest gripe about them is it was right at impossible to get someone the line to get my password reset, because their online tool for resetting the password wasn't working. After that everything was pretty good until they introduced the mobile deposit on their mobile app. I needed to deposit a check and it was supposed to be available the next day, so that wasn't a big issue. But immediately after depositing it, they put a 10 day hold on it, that was a great inconvenience because I needed the money the next day. Of course I know they do it for security reasons, but I had a pressing financial financial need and of course the check cleared. I wish they would be more direct about their mobile deposit process. Other than that it's been an "ok" experience.
A while ago, I wanted to find an online institution that would help me save. Saving was a huge problem of mine that I just couldn't do. I came across Capital One 360 and decided I would give it a try. The first thing that made me realize they were a good institution is I didn't need a bunch of money just to open up an account with them. That was a huge plus. I highly enjoyed that there was an option for them to automatically take out any amount I set up from my bank account. If I couldn't make the savings deposit, no problem! I was able to go in to their website and change the date or just have them skip a withdrawal! Their website is so easy to navigate. I absolutely loved dealing with them. I never needed to get a hold of customer service because any question I had I could easily find the answer to on their website.
The only down fall was if I needed to transfer the money back to bank account, I had to wait 3 business days for the funds to be transferred. But hey, that's why it's a savings account. They don't want to make it too easy for you to be able to pull money out of it!
All in all, my experience was a good one with Capital One 360.
I have been a customer of Capital One 360 bank for several years (since it was ING). Their customer service is absolutely outstanding. I had a situation just yesterday where I needed to get in touch with them, but it was a Sunday. I was pleasantly surprised that their hours are 7 days a week from 8am-8pm. They answered on the first ring!! My issue was that I needed to get my direct deposit and some other draft items switched over from another bank's checking account. They were able to answer all of my questions and made me feel very happy that they are my bank. I use Capital One 360 for both checking and savings. Their savings account rate is VERY competitive, with no minimum balance. I believe there is no need to lock your money away in a CD when you can earn a rate that is almost that high and have access to your money at any time. I would definitely recommend this bank.
I love Capital One 360 online bank as much as anyone can love a financial institution. I have been a customer of theirs for well over 10 years, beginning when they were ING Direct. I started with one savings account and that has grown into multiple accounts for specific savings goals that I currently have. To start with, their interest rate on regular savings is 5 times higher than the rate my local credit union pays. Deposits and withdrawals are simple online transactions that work directly with your local brick and mortar banks. I have mine set up to transfer money between 4 Capital One accounts and two checking accounts at different intuitions. This makes moving money for my rental house easy and allows me to earn a higher rate on money that is idle. The only downside to Capital One is that deposits take about two days to post. That is usually not as issue for me. The other drawback is that there is a five day deposit hold on all savings account deposits. Again, this is not as issue for me. For anyone needing quick access to their funds can open a checking account with them and have immediate access based on Federal Reserve policy. Again, I love them and will keep using them.
I have had a Capital One 360 checking account for about three years. I love it and it has great features. I can use my ATM card at locations around the world without a fee. The website is very easy to use to transfer money, upload a check, or check your balance. I had to contact customer service to have a new ATM card sent to me and I received a quick response and my new card was sent without a cost to me. The only downsides to the bank are you can not deposit a check over $5000 online or deposit foreign checks. You can however deposit a check greater than $5000 at a Capital One ATM machine that accepts checks. Other than these small inconveniences the checking account is perfect.
This bank is a great option for banking, if you don't need an actual branch to go to. I had great experiences with their customer service representatives. There were times I had complex questions and they were always answered correctly and pretty quickly. I've had very bad experiences with not getting the right answers from other banks that I would routinely call 3 or 4 times and ask the same question to see if I'd get the same answer twice. I don't feel the need to do that with Capital One 360! The best feature of their accounts is the Mobile check deposits. Being able to snap a picture of my check to deposit and submit it is truly awesome and such a time saver. One thing that was frustrating to me was how long it took to get my debit card. It seemed to take 3 weeks. The other thing was the hold time on deposits. It was typically 5 days. The first time it happened it made me upset. But now that I know I plan accordingly, and this is just a second account for me so fund availability isn't always urgent.
Where other banks will take a fax, they don't. When they finally get the money for a CD IRA that was transferred they have to hold it for 5 days.??? By the time all this is done, the rates may change and your back looking for the best rate. If they would lock the rate for you before the hold period it might not seem as bad. One plus....no ira maintenance fees and no transfer fees.
1) CPO 360 tried to charge me $5 for the checks, even though very first check book is supposed to be free when you open an account, if I didn't know better I would have been charged.
2) Delay showing my direct deposit by 2 days, if there's a holiday by 3 days later than my previous and current banks did. It has never showed once, even after 3 days, I called and was told that they did not have any record of it, I yelled at the top of my lung, well, It appeared miraculously.
3) CPO 360 doesn't pay interest for CD at the end of month like any other banks do, they pay one month after the opening of CD. Even though, this is very unusual practice, they never mentioned it anywhere. CPO 360 is a division not a bank.
4) They manipulate my website to their advantage, they block me to enter certain information. They deleted the check information my husband entered.
5) CPO 360 sends bills at the end of day recently, not beginning of the day like any other banks do.
Just be careful and alert. CPO 360 is not a bank, it is a division of Capital One NA. Bank should be honest and transparent. I had the urge to write this, so that someone can benefit from my experience like many times I benefited from others' writing.
Capital One 360 was a choice that had been recommended to me since the days it was formerly known as ING Direct Orange Savings account during my time in college. Worried about support options, and ability to have money be more easily liquid, I wasn't too convinced of using a savings account from an online-only bank. Still, considering many of us mostly do our banking online and rarely if ever interact with a bank teller, I became open to the idea and opened an account at Capital One 360. My main motivation was the interest rate of 0.75%, which today is a rarity among mainstream savings accounts, and which Capital One 360 is able to do due to its virtual versus brick and mortar presence.
The sign-up and approval process was very easy, no more difficult than opening any other bank account. As a psychotherapist, I know that maintaining good savings habits is as much psychology as it is having the resources, so I appreciate Capital One's ability to link my Bank of America savings account to make monthly automatic deposits on a set schedule of one's choosing (bi-weekly, monthly, etc.). When you have the ability to set it and leave it running in the background, it makes it much easier to develop a savings habit toward your goals. I particularly appreciated the ability to have "sub-accounts" for different goals. As an independent contractor, its helpful to set aside money for taxes.
I haven't had much experience with its customer services, but can't say I have run into glitches using it in the past two years. Like most modern banking, Capital One 360 includes a mobile app which allows for depositing checks by taking a snapshot and monitoring your account. Overall, I am pleased with Capital One 360.
I recently took out a large Certificate of Deposit with this institution. After I had already taken out the CD, I found out that they would not let me assign a beneficiary to the CD account!!! The only options they offer are to go to the time and expense of setting up a Trust to put the account in, or I had to add the person to the account as a joint owner. Neither of these options are feasible for me. I should have checked into this before taking out the CD, but I have NEVER been told by ANY online or brick and mortar bank that I could not assign a beneficiary to a CD, so I didn't think it would be an issue. When I contacted upper management about this, they said that they would not consider changing this policy. They weren't even apologetic about it. Beware, CAPITAL ONE 360 IS NOT THE SAME INSTITUTION AS CAPITAL ONE. They each have their own separate policies regarding banking. My husband has a CD with Capital One, and they assigned a beneficiary to his account with no problem whatsoever. If you care about beneficiaries, do not take out a CD with Capital One 360!!!
Overall, I think Capital One 360 is really good and I have no real complaints. They acquired me as a customer when they purchased ING Direct. They changed colors and eventually simplified the log-in process. The basics are the same - easy transfers of money and better than average savings rates. I miss the personal touch of ING Direct and, possibly, better savings rates. With ING Direct, there were occasional fun and informative communications, offers and the savings rates changed. It was a unique experience and I thought they really valued me as a customer. Capital One is more formal, seems less personal and my rate hasn't changed. I would get a better rate if I switched to Discover, but I haven't. I'm used to the transfer process and haven't made the leap. Still, Capital One 360 rates are much better than typical bank rates!!
I chose this exclusively online bank because I needed a place to start my financial savings with my upcoming job. Opening an account is easy enough, it requires very little hand holding and no phone calls or wait times. This bank initially piqued my interest because it requires no initial deposit and no hidden annual fees of any kind. You even earn a set amount of interest, the more you have available, the more you earn. They also do not charge for simple protections and security protocols, such as for fraud or identity theft. You also get a free start up check book of 25 and it is sent in the mail in no time. So far my experience has been great, the customer service is their to help if you have any problems or questions, as I had a couple queries and had to wait for only about 2 minutes before receiving a real talking representative. I would highly recommend this bank to anyone who doesn't want to pay for a monthly upkeep fee for a great service.
Ive been with them since it was ING Direct and while their rates went down and I hate Cap One with a passion over a fraudulent late charge on a credit card 20 years ago, twice in the last year I accidentally over-drafted my account.
I have a $1000 overdraft. But the cool thing is both times I accidentally overdrew my account, I got an email telling me and both times I transferred money in from another bank and neither time was I charged ANY interest despite the 2-4 days it takes for the transfer.
I dont think they advertise that feature. And the amount they do charge for overdrafts is very reasonable but from my experience, as long as you transfer money in the same day of the overdraft, you wont pay ANY interest.
Their rates are not really competitive anymore so I dont keep much money with them. But for anyone that occasionally overdrafts, this account is hard to beat.
(I almost never overdraft but twice this year when dealing with paypal I messed up & had them take it from my capital one checking when I didnt have enough money there)
Not sure everyone will get a $1000 limit. I used to have 6 figures on deposit with them when their rates were good. I recall 6.25% savings rate.
Originally, I was hesitant to work with an online bank. I always had the idea that a bank was a place where you go to see some stuffy suits, but I got tired of the terrible customer service of the traditional banks, so I decided to go the online route. After searching around, it appeared to me that Capital One had the best online banking terms around. Interest Rates are high, fees are low, as a matter of fact...I don't pay any fees for my savings accounts, transfers are quick, and the customer service is great. The nice part is that they give you a lot of online tools to help make your saving goals a success, and they make it very easy to manage all of your finances from one spot. I'll never search for another bank again, I'm a customer for life!
I joined Capital One 360 a few years ago when they offered some money back if you opened a checking account. I was pretty wary of doing business with an online-only bank, but I thought I'd try it. Flash forward three years, and almost all of my accounts are with Capital One 360. Their online interface is very easy to use. I can easily transfer money and see my added interest. When I've had questions about my account, I have called customer service and gotten quick and easy answers. I have never had a problem with bank errors or secret fees like I have had at other banks.
There are only two downsides to Capital One 360 that I have had. First, it takes 5 days to transfer money outside of the Capital One 360. That is a really long time, especially if you need to access that money quickly. We are trying to buy a house right now, and we've been saving our downpayment on Capital One. Since we can't access it quickly, we had to transfer it out of the bank. Second, they do not offer checks. While I like their debit card, I need to have checks on hand to pay rent and some other expenses. Because of these two reasons, I don't do all of my banking with Capital One 360.
I have had only positive experience with this online bank. The site is easy to navigate and provides a number of security measures. I can easily transfer money to and from the account and gain interest. I have been able to save a lot of money so far.
I have been using Capitol One 360 for seven years now and I have never experience one problem with any transactions. Their security level is above many other banking sites. The few times I had an issue (due to my own fault with my account) I called their service number and was immediately directed to someone who could help me. Capitol One 360 emails you with updates and offers. Their interest rates are much higher than my local banks and they have many features on their website to help you track saving goals. They also offer car and housing loans with rates that are competitive if not lower than other banks and retirement options with financial advisers to ensure you’re investing your money soundly.
I started using CapitalOne 360 when it was originally ING Direct. I first started using it due to the high interest rate and bonuses received for getting others to join. I continued using it because the site is quick and easy to use. I have never had any trouble transferring money in or out of the account. The auto withdrawal works great, I set up an amount to automatically be taken from my checking to be put into my CapitalOne 360 account, it worked great I never had any issues and took less than 5 min to set up, cancel, or change. While the interest rate has decrease from 2003 when I first started with them they are still competitive in the market with the interest rate they have. Recently they have merged all the accounts through all of their various business ventures so that you can see both your savings, credit cards, or share builder all at the same time. I have spoken to customer service and never had a problem. I would suggest them to anyone looking for an online savings account.
Capital One 360 is a nice on-line bank. They have a no fee checking account that only requires a small credit check to qualify as a member of the bank. I am an on-line guru and I spend a good period of my life on the web looking for banks and I wasn't able to find anywhere that had a good fee free checking account like Capital One 360. I have had emails from Capital One 360 on a few occasions and on every occasion they are really helpful and fix the bulk of each issue I have had. Capital One 360 makes things so easy for you when using your account. You can login on their web page and view your balance, which is nice and helpful.
When my brick-and-mortar bank started charging a hefty monthly fee that was hard to avoid in my financial situation, I went looking for an online bank with no fees. I signed up for an Orange checking account at this institution when it was ING Bank. When Capitol One bought ING, I was a little worried that there would be a degradation in service, but there has definitely been no change in my accounts and the way it works.
I have a checking and savings account and use both with ease to transfer money between all of my other online monetary accounts, be it to make a purchase, pay a bill or just put some money aside for emergencies. The user interface is relatively intuitive. I use Mint to track my finances, and Capital One 360 integrates seamlessly--unlike my brick-and-mortar bank, which tries hard but just can't figure it out.
Both accounts pay interest monthly. And, best of all, no fees.
What I really like about this on line bank is the fact that I can manage all my accounts on one page. When I log on to the account page I am able to view not only my checking account but also my Capital One Credit cards. It's a real help to me because sometimes I loose track of my monthly card balances. Capital One 360 checking paid off when my wife clicked on the "adds friend" offer, from her account and added me as a friend. Once I signed up through their email we both got a pretty decent bonus. Also I really do like my experience with their customer service department. I got locked out of my password and had to call in to reset it. They walked me through the process and were very patient with me. So I like their free checking and it is making my banking more pleasant. Easy to navigate web site. Sounds funny but I really like their red and white exclusive colors they use on the site. Great Bank all in all.
I've been with Capitol One 360 since the beginning (and even before, when the bank used to be ING Direct), and all in all, I've been really satisfied with it. I have a joint checking account with my husband as well as multiple savings accounts. I really like being able to open new savings accounts when needed -- we use them to budget for bigger expenses. I also like the ease with which I can send payments to others and transfer money between accounts. I haven't had many issues, and when I do, the customer service is polite and knowledgeable. The app is quite useful, as well. One thing I like about the switch to Capitol One is that now I have a place to make deposits if I need to, as well as more ATMs to choose from.
I have been using CapitalOne360 (ING Direct) for over 10 years. Prior to the market crashing, it had some of the highest interest rates around. However, it no longer does. The interest rates are in line with every other bank.
Even though interest rates are low, CapitalOne360 is still a great place to keep your money. Here's why I like it:
1. I easily connected a bank account to download funds and can send funds up to 360 at anytime. Now they are out of my bank account and away from being spent as easily since it takes 2 or so days to get to the banks, then there is a few day hold, and then another few days to withdraw it into your bank. Now my funds are safe from me buying something without thinking
2. When you do need to withdraw funds you have them in about 2 days.
3. My favorite feature is that I can create sub accounts within that account with different nicknames. For example, I have a vacation account, a retirement one, and a new bathroom one. I can move funds or deposit funds into any of these accounts. It helps me keep track and keep focused on goals. Plus, I can change teenagers or delete accounts at anytime as my goals change.
4. The last one is auto deposits. I have it set up where 360 takes out a certain amount from my bank account at specified days. This way I don't have to remember to put away the funds into savings, it does it for me
There is virtually nothing I don't like about Capitalone360 except that I miss their amazingly high interest rates. However, at least they are in line with regular banking institutes and not lower.
Capital One 360 checking account is a breath of fresh air when it comes to banking. I am a person easily frustrated with many of the banking institutions and all of their fees for whatever they can think to charge for. I enjoy the kind people that are always willing to help when I call the customer service line. Anytime I lock because of using the wrong pin my card, which has happened one to many times cause I have too many numbers on the bran, it is always such a quick and simple process over the phone to get it unlocked or when I have questions about how to change my pin number they are always super helpful and nice. The fee free checking with them is also nice. Unlike many banks who charge super high over draft fees or even monthly fees for having an account 360 checking does not. A really cool feature that I have not found any where else is the over draft credit line. You can apply for a credit line that is specifically attached to your account to help if you do not have enough to cover a purchase. Just last week I went over by $3 at the store and since I have $25 overdraft credit line my purchase still went threw. I love the features of online check deposit also which saves me a trip to the bank. With many good things they also have their down side. Luckily this band does not have many but one I have found is that sometimes I just need to cash my check and not just deposit it and I cant do that with an online bank. Beyond that I have not found many down sides to banking online and I really love Capital One 360. I feel like its finally a bank that cares about me as a customer and not fattening their pockets with fees and inconveniences of other banks.
I just recently opened up several savings accounts with Capital One 360. The experience was very easy and took no time at all. The application process was quick and to the point. I was able to immediately link my current checking account to the 360 account to make my initial deposit. This did require a verification process where they first deposited small amounts into your account to verify the identity of the accounts. However, it took no time at all. I am trying to save so I like the idea of having a "hold" period on the funds before they will be released. Overall, I must say that I am completely satisfied with their service this far.
Capital One 360 is a great bank. I've been using it for years and they have a great online set up and mobile app. Their online setup is great and easy to understand. You can also use their mobile app to deposit checks with out having going to an ATM or step inside a bank. I haven't been inside a bank in years and do all of my banking online though Capitol One 360. This is a major convince as I don't want to worry about what time a bank is open or having to take off work to take care of my banking needs. Capital One 360 also has very few and low fees which means you keep more of your money. Having no minimum/set up fees make Capital One 360 a great choice for an online bank.
I have been banking with Capitol One 360 for four years and highly recommend them for online banking. I find the ease of use and the convenience of banking at any hour of the day or evening at my liking a big plus. The opening of the savings account was very easy and the terms explained in plain English easy to understand. The steps to link up the savings account to an existing checking account was simple. I really like the way multiple bank accounts can be linked up to the Capitol One 360 savings account to be very handy. I can easily transfer money to and from the savings account by clicking a couple of buttons. The interest rate paid on the savings account far exceeds that currently offered in any retail bank in my area. I also like the ability to operate an online brokerage account through Capitol One 360 and like the savings account directly with the brokerage account. The fees associated with the brokerage account are very reasonable. The multiple cash back offers to open various accounts in an added incentive to bank with this trust worthy online bank. I highly recommend Capitol One 360 and look forward to continuing my banking relationship for years to come.
I have been a Capital One 360 member since well before it was officially known as such, but they haven't skipped a beat since being acquired by Capital One (Formerly ING Direct). They offer a variety of accounts, but I utilize both their Checking and Savings account services. Fees are thankfully quite low, and their overdraft policies are quite reasonable. The lack of physical branches is hardly noticeable thanks to being able to do just about all of your banking from your phone or PC. In the rare instances that I get paid with a check, it is wonderfully easy to snap a picture and have it deposited with their mobile app. Interest rates are low at just about any financial institution right now, but Capital One 360 provides a competitive interest rate for your emergency funds as well. I couldn't be happier with Capital One 360, and I'll likely continue to use them in the years to come.
I have been a customer of Capital One 360 since Capital One purchased the account from ING direct. Overall, I remain satisfied with the online savings account but it is not perfect. The account has minimal fees and pays decent interest rates even though the rates are not the best available.
When I started using this on-line banking, the company was called INGDirect. It was my first and only experience with strictly on-line banking and since CapitalOne took over, it has gotten even better. I have a checking account that I very rarely They are very interested in helping you save your money! I can access the account anytime I want from my laptop, IPad or IPhone. I can connect external bank accounts to my checking account so that I can transfer money. If I have a question or problem, their customer service is excellent and available 24/7. Their website is very easy to learn and use.
We had capital one 360 checking and savings bank as our previous bank was purchased by them a few years ago. We were highly skeptical as we weren't sure of what our experience would be afterwards. They were very proactive in keeping us informed of what to expect and they did deliver on just that. the rates pretty much remained the same. We did gain a really cool mobile app that was so much better than our previous banks. It was pretty easy to use and had so many options. I found myself using that app more than I would go online to check my balance and do other necessary.
I did not seem to mind about the bank takeover. I still was a little concerned as it did not have a particular branch that we could go to, but we found that the customer service was still up to par. I did feel that the few that I worked with were confident in the skills and abilities to get me an answer quickly.
We also had a problem with a charge that we weren't sure we authorized on our account. I called up and they were able to get us more detail than our statement gave us.. All and all we would continue to work with this Capital One again
Capitol One 360 bought ING Direct about 3 years ago and successfully merged ING Direct into the Capitol One family. Since ING was very successful Capitol One kept many of the same key features that made ING so great. They kept the no fees/no minimums and they keep a higher than average interest rate which is why I stayed with them. Some of the things that I dislike is the fact that their customer service is not as friendly as it used to be. I can not point my finger on an exact incident; however they just don't seem as friendly. The mobile application works well however Capitol One made some security improvements (I guess) which while improved security (I guess) also made it harder for log on. My wife and I use a unique sign in name and have signed up with many sites with the same name (gmail, yahoo, aol, etc..). What are the chances that on our Capitol One 360 accounts both user names we use for everything were already taken within 2 days of changing the way we logged in from a number to a user name? It makes it harder to log on and we commonly forget our user names and have to call often to reset our passwords. Other than these minor complaints I would still recommend Capitol One 360.
I have had a checking account with Capital One 360 for over 2 years now. The application process was so simple when I opened an account with them no minimum deposit. And I received a $50 bonus just for opening the account! Even with some credit problems in the past, and being turned down by other institutions, Capital One 360 allowed me to open a checking account. Customer service has always went above and beyond my expectations of helping me with any problem I have ever had. I have never had to pay any fees to open or maintain this checking account. I would recommend this institution to anyone, even if you have been turned down by other banks. It is amazing! I love my Capital One 360 account!
I have been a fan of online banking for several years. Originally, I had an account with IngDirect. They have had a long standing policy of not charging fees. This has carried over since they were bought out by Capital One about 2 years ago. I have a checking account with them, and get my social security check deposited directly there at the beginning of every month. I love it, because I can see the check within a few minutes of the electronic transfer taking place online.
I love that they have overdraft protection and that there are no fees associated with it. If you overdraft, they will give you credit to cover the amount. When money is deposited to get back to a positive balance they charge you only a small amount of interest for the days you were over. This usually amounts to only a few cents.
Recently, I got a call from them saying that there was some unusual activity going on with my account. I went online and saw that someone from the Netherlands had made some charges to my account. I called CapitalOne, and they agreed that someone had somehow gotten my credit card information from a transaction I made that may not have been secure. They immediately cancelled my card, and issued me a new card. I was able to dispute the charges online, and all of the money was credited back to my account. This all took place in the space of about 4 days including time to receive my new card. I could not have been more pleased.
I would highly recommend this bank to anyone. Being able to do everything online saves me time and money.
Overall, I have no problem with Capital One's online website. I can do most things I go in to do (mostly check balances and maybe transfer from checking to savings). I sometimes only have a problem with the integration of all of their products. The layout of the website and mobile app are very different, and since I am mostly on the mobile app, it can be confusing when I get on a computer. Individually, they are both fantastic, but I do not understand why they are not more comprehensive in their use. Customer Service is alright, but they will usually direct you to online to try and fix a problem.
I opened an account many years ago with Capital One 360 (when it was an ING Direct account). The savings rate interest was much better then, however, it is still competitive in today's economy. The interface is easy to use and offers some nice perks, like the ability to mail paper checks for free. They even pay the postage. My main complaint with Capital One 360 is the interest rate, as compared to other online banks like Barclay's which offers 1% and Capital One 360 is still at .75%. One of the best features of Capital One 360 is the ability to create savings accounts within your savings account. This is helpful if you have small savings goals like going on a vacation or purchasing a new vehicle. Overall, I am very satisfied with Capital One 360 and would recommend it.
I originally had an ING Direct account so naturally I was a little concerned when it turned into a Capitol One 360 account. But I am happy to say that it has been a smooth turnover and I have had absolutely no problems. It is easy to manage and the interest rate if fairly competitive. Customer service took care of me quickly and politely.
I was looking for a bank account to transfer funds from my freelance work earnings and use a debit card. After some research online I came across capital one 360 and a few others. I wound up applying for capital one 360 and am very satisfied with their electronic transferring features. I have used the smart phone app to deposit checks into my account, the deposit method is very fluid and easy to use. I have the account linked up to my amazon payments and paypal accounts and money transfers always happen within a day or two, very fast and haven't had a problem with it. I would say the best part of the account is the interest rate I get on the checking account, it's something that really only online checking accounts do and it is one the biggest pros. I would recommend to anybody who is looking for an online checking account for money transfers.
I have been a customer of 'Capital one 360' back when it was 'ING'. My experience has been mostly all positive. When I opened my account they had one of the highest interest rate for the common bank account..now it's not so great. I've had to contact them a few times by phone maybe about 10 times in the 9 years that I have been a customer. My on the phone customer service experience has usually be excellent, except one time I did get someone that was pretty rude. I really enjoy the fact that they are up to date with technology and have some features that have been truly helpful to me lately. One in particular is the ability to take a picture of a check and have it deposited into your account. Now it does take quite a while for that type of deposit to post to your account but that feature really saved me when I was out of the country and needed to deposit a check in the bank. There is no minimum balance for my type of account and this really reduces stress for me since many times my balance is low but others times it can be high. Another great feature is that they do not charge ATM withdrawal fees and that's even if you are in another country. I would sincerely recommend this bank to anyone looking for a saving and even checking account.
When I heard that Capital One was taking ING over, I was a little worried. But there was no reason to, because virtually everything stayed the same. The interface is the same and pretty easy to navigate. They need more ATMS, because there are none around me where I live. I like this bank. The ability to scan a check and deposit it is good, but their mobile interface could use some slight tweaking. Sometimes I will get to the end and it will tell me that I have to do the whole process over. I wish their interest rate was a little higher. I have never had to call them with any issues, so I can't tell you how good their customer service is. The only way I would switch banks is if I was lured with a higher APY and lots of cash.
I've been using Capital One's 360 banking service for quite some time now. I have had no problems with this bank and it's great for students considering there's no fees and no minimum balance required. The nice thing about their website is that it's very intuitive and easy to navigate. Since it's an online service it's really easy to use and you don't have to drive to a bank. You can deposit your checks via direct deposit and it's a seamless process. I use an app on my phone to access my balance which is nice, I can easily see if I have enough money for something simply by going on my phone. If I need cash I can just find an ATM using their ATM locator on the website and get cash that way. I have had no problems with this bank so far and I can feel confident in saying I recommend them.
I went with 360 because of the name and the reputation. Their online banking is great, their apps are great. Can do all my banking easily from my phone. My last bank had an online banking platform that was horrible. My one issue is that the account gets frozen from time to time for "unusual activity" if I'm traveling, but they are quick to reinstate it when I call back. When I went to Italy I called ahead and had no problems.
I tend to deal with Capital one 360 on a daily basis. This is the account that I use for my main account. The option that i love the most is their online/web site and app that can be used to deposit a check by just taking a picture of it on your phone. That save me a trip to the actual bank to conduct my transaction. Also it give me the ability to check ally account on the fly as I go though my daily work. The site is quick and clear to work with.
I have both a checking and a savings account with capital one's online bank, capital one 360. I don't get charged any fees for the basic accounts I have which is nice, and the option they have for direct deposit lets me get all of my earnings from my freelance work I do on various websites, which is very convenient. The access to accounts and account options that are available online are fantastic, and in my opinion, better (and more) options than I get from my regular non-online bank. The checking account is also great to have if you need to transfer money between two capital one accounts of any kind and the fact I have a debit card to access these funds makes life easier. The one complaint I have (which is a pretty big one) is that if I have cash I want to deposit, I can't just go to an ATM (or even a capital one branch for that matter). The ONLY options to add money to this online account are to get direct deposit or to upload a picture of a check and wait about 3-5 day's to access the money from the check. Though it's nice that both of those options exist, I really wish I could make a cash deposit somehow. That right there is why my review is 3 stars. If I could make a cash deposit, not only would I make this my only way of banking but I would also give it a 5 star review.
I have been using Capital One 360 for years now. I have a checking and savings account with them. At first they were just an add on bank, that I used for my online transactions and supplemented my brick and mortar other bank. I had it set up to pull a small amount from my other bank each month to "pay myself first" that went directly into my savings account. This helped me build up a nice little savings account much quicker than I would have without it. It was so easy and user friendly to do. I am somewhat computer savy, so I thought it was a breeze. The checking account I seldom use for actually writing checks these days, but I do use it for my handy debit card almost daily. I love being able to jump online and transfer money between my checking and savings account INSTANTLY. This is a function none of my brick and mortar banks could match. I have since made this my main bank. The website is clearly laid out and great to get in and out of quickly to do my bank business without much fuss or muss. I have access on my smart phone as well, but I admit I do 99 percent of my bank transactions on my laptop. I have never stepped foot in this bank and have not missed it in the least bit. I feel that the only thing that would make this bank better is if it offered more global services, but as a domestic bank it ranks pretty close to top in my book. It does not hurt that my old brick and mortar banks were gouging me senseless with fees and this one has none. I really like my bank.
I have used Capital One 360 as an online savings account for several years now. This account is so convenient and easy to use, but it also helps me save more money. The account connects directly to my regular checking and savings account for seamless and smooth transfers between them. I like the idea of having a savings account that is online because it is harder to access my money. When I request a transfer to my checking account, it takes several business days to show up and become available. This gives me time to really determine if I need to purchase the item I am transferring the money for! I could not recommend more this account to someone who struggles to keep their money in savings! It has done wonders for me and Iâ€™m certain it could for anyone else, too.
To be honest, you should wait until Capitol One 360 runs another one of its sign-up bonus promotions to enroll. I got fifty dollars for opening a checking account and two hundred for opening a savings account. They usually run these deals around the 4th of July and possibly other major holidays. I also enjoy a higher interest rate in my savings account than the median, even though it's still a paltry 0.7% or something. It's not my primary bank, which is still a physical bank. But in this era of internet, mobile apps, and convenience I hardly go to the physical bank anyway, which is the only difference between Capitol One 360 and traditional banks. It has and app with mobile check deposit, checking your balance, etc.
I love using Capitol One 360 for my checking account! I have been with them for checking since it was ING Direct and have always been pleased. They offer a reasonable interest rate for their overdraft protection, which has come in handy more than once! I don't pay a monthly fee for my checking account and have never had any issues when writing a check or using my debit card for purchases. I will admit they are a bit limited in ATM locations (the nearest one to my home in a major city is probably five miles away) but I have learned to plan ahead when I will need to have cash on hand. Taking pictures of my checks for depositing is super convenient! There is a two day hold on deposited checks, but I think this is the norm for any financial institution. In the beginning I had reservations about banking with an online institution but have been nothing but happy with all aspects of my banking, much more so than when I banked at a local credit union. I am very satisfied with my experience with Capitol One 360 checking and highly recommend them to others!
Not only does Capital One 360 offer interest for their checking accounts (you get to earn money for using your account!), but they have NO account minimums after the initial deposit and offer sweet overdraft protection. That alone is better than most traditional brick and mortar banks. Not only that, but since they are the best bank ever, if you refer friends to sign up as well you can earn some extra cash. To take it even a little further, whenever I have had to call them (only to check on my account when I wasn't around internet connection, not for any big problems) I was immediately connected to a real live human being that I could understand clearly and who was incredibly friendly and helpful. That just about did me in, and I submitted to only having this internet banking account for now on.
Oh yeah, you're also able to make free transfers to other bank accounts instead of writing out a check! Super convenient to send family and friends money if I need to. AND! their app actually works! I used to be signed up with a local bank... and a different online banking company and their apps never loaded. Capital One 360's does! I can do everything from the app if I want!
With direct deposit and the ability to upload checks with pictures from my tablet, I have almost everything I need. The only thing I have not figured out is if I get cash as a gift, I cannot deposit it... Still working on figuring out if I can snap photos of money orders or cashier checks in order to upload them... Either way, I am 200% pleased with this bank and would recommend them to everyone! Sounds too good to be true? Find out for yourself!
I've been with CapitolOne 360 since it was Orange (then INg, and so on), several years, anyway. I've never had a reason to leave. I've got a checking, a savings and an IRA with them (though that's now part of ShareBuilder). If I could change anything, I'd have had them skip all these mergers and such, but as far as my day-to-day experiences - I think it's great!
I've moved around a lot in the last 10 years - 4 different states altogether. My online accounts have been a godsend because I've not had to worry about opening and closing accounts and hoping that there wouldn't be accidental overdrafts. I do keep one local account just in case I need to access cash in a hurry, run into a merchant or vendor who is uncomfortable taking an 'out of town check', or as an alternative to my 360 debit card. What can I say, I like a backup plan. (I've noticed fewer and fewer merchants balking at the idea of an online bank without a brick and mortar address by the way.)
Transfers between accounts including my ShareBuilder accounts and my local brick and mortar bank are super easy and usually only take a day or so. At first, this was a little painful to get used to - moving money around doesn't happen instantly. But it's still easier than remembering to go to the bank before it closes!
The online payment center is one of the best I've used - and in the last decade, I've used several. It's actually one of the main reasons I made CapOne360 my main bank. There always seemed to be some payment lost or processed at the wrong time with other institutions I used. Like I said, I moved around a lot in the last several years, and in a couple of cases my local bank or credit union had no branches in the new city, so I'd have to switch anyway.
I like the bill reminders and especially getting my statements right in the Bill Pay Center when they are available.
I highly recommend this bank to anyone thinking of getting an online deposit account.
I have had a Capital One 360 Checking account for over year now and I have been pleased. I have had a credit card with Capital One for over three years and decided to consider a checking account when fraudulent information had been discovered on my previous account and my bank was poor in their handling of the situation. Prior to signing up with Capital One 360, I spoke extensively with a customer service rep about my situation and their security policy. I asked so many questions and they answered every one in detail and never seemed to lose patience with me. The online banking feature is great. I can access my account on my computer or phone. The secured log in is strict but not inconvenient. I can transfer funds, pay bills, and deposit checks from my phone in seconds. The interest rate is on par with other accounts I have researched. Every time I have a question, support is available online or on the phone. I have had nothing but a positive experience with Capital One 360 and its Internet Banking.
I first started with just a savings account because the interest rate was great. I then opened a few more savings accounts to keep different monies separate. Last year I opened a checking account and it was so easy. I have always done everything online. I deposit checks on my phone, which is so great and easy. I do have a local bank where I have my 360 account linked so I can transfer money easily. I get an email alert when a check has cashed and I can log in to get a detailed account of all activity on any of my accounts. I just recently called customer service to ask a question and the call was answered quickly, I spoke with a real person, and the conversation was pleasant. I would highly recommend Capitol One 360 as a great bank for both savings and checkings.
I was skeptical at first when Capital One 360 took over my ING accounts. I had ING for years and was a huge fan. I thought that this could only be a bad change. However, it has actually been a good change. Capital One 360 is actually even easier to use than ING. Their mobile app is great. It has higher mobile deposit limits than my brick and mortar bank. This means even though my employer refuses to offer direct deposit, I can deposit my check by taking a picture with my smart phone. I have a hard time getting to the bank so this is such a valuable feature for me. I also love that the checking account pays interest. Yes, the interest is really low right now but at least they offer it. The savings accounts also have a better interest rate than most brick and mortar banks. They also take security seriously. I'm a big fan of Mint but not everyone is comfortable giving their banking sign in info to a third party site. Capital One 360 deals with this by giving you an access code to share instead. I also appreciate that they have a referral program.
I've had a checking account and savings account with Capital One 360 since it was called ING Direct. The initial draw is the sign-on bonus (I've seen it as high as $75) and the interest rate for savings, which used to blow traditional banks out of the water. It was around 4 percent when I first got my accounts, but it has been below 1 percent for a few years now. I know this is true to other banks as well, but still, Capital One/ING was always much higher than traditional banks. Now there is no big draw to keeping the majority of my savings there.
Also, transfers from Capital One to another bank takes forever, around 9 days in my experience. But the reverse, transferring from another bank to Capital One, is 3 days tops. Why does Capital One take so much longer?
Some positives: mobile deposits, no minimum balances and no fees for simply having an account. And per an email I received in mid-October 2014, you can now deposit cash via ATMs.
I love having my Capital One 360 card! I received a $50 bonus when I signed up and have had no complaints. I am about to have my work check automatically deposited in my account every month. This saves me time and money. I am able to check my account online throughout the week to make sure my balance is where it needs to be. I really enjoy the different features offered with this credit card. They include free checking with no hidden fees, no overdraft fees, no atm charges and no monthly fees. I had a horrible experience with my old bank in which I had a problem with charges and over draft fees, but there is no need to worry with Capital one 360. I love this card, anyone looking to do online banking should give this a try!
I opened an account with Capital One 360 a year ago out of need and convenience. I am disabled and unable to make it to the bank frequently to make deposits. I opened an account online with Capital One 360 because they give me the option to make deposits virtually with just a photo of the front and back of my check. The money is available a day after I make my deposits, and I was given free checks and a free debit card. I was also able to link it to my other bank account for free transfers back and forth. The only inconvenient item about the account is to log in, you need to remember a pin code instead of a usual username. I usually have trouble remembering this, but the work around is quick and easy to get in.
I first starting utilizing Capital One 360's services a number of years ago, when it was originally named "ING Direct." I greatly enjoyed the ease of use, sleek but minimal interface, and the ability to create multiple checking/savings accounts for different uses, such as personal spending, emergency funds, etc. Since being bought by Capital One, all of these services remain fully intact, but they've added a wide variety of enhancements along the way as well, such as being able to deposit checks via a picture from your smartphone, and the ability to easily order checkbooks for your checking accounts. In the few instances where I have had to contact the bank directly via phone, their representatives have been very helpful and knowledgeable about what I was trying to accomplish. If you're looking for a fast, reliable online bank to use, Capital One 360 is it.
CapitalOne360 bank has been around about a year. Previously they were called IngDirect. I started banking with IngDirect back in 2011. I have been with this bank for over 3 years. The thing I like is that you can do everything from their website. It is well organized and easy to understand. You can view all of your most recent transactions or see previous months organized into printable statements. I never use cash anymore. I do everything with my CapitalOne360 Bankcard. It's great because transactions show up immediately. I always know exactly what my balance is and where my money is going. If you use a program like Quicken or your own spreadsheets in Excel, you can download your transactions in a spreadsheet format or as a comma delimited file for import. CapitalOne360 makes it easy to pay people by transferring money to their account. I pay all my bills electronically at the beginning of the month. This lets me keep track how much I have left over for the month, and it's good for the environment since I don't get paper statements anymore. The customer service at this bank is excellent. Representatives are always friendly, and are able to answer any of my questions in detail. The best part is this bank does not have any fees. If I am ever overdrawn, I am only charged daily interest on the money they are covering. If I overdraw, it literally only costs me a few cents when my account is replenished the next month. I can't recommend them highly enough.
My experience with Capital one 360 has been good so far. Originally I had ING Orange online banking, but it was later acquired by Capital one and renamed 360. The good about Capital One 360 would mostly likely to be the fees. No fees for a lot of services such as: free ATM, free check mail via USPS, and not even over draft fee, which would be over $30 at least in traditional brick and mortar banks. The cons about it would most likely to be making a deposit, since the only form of deposit I can make it is thru checks; either directly deposit online or mail them the check I want to deposit, which is very inconvenient if I want to deposit cash, Iâ€™d really wish they can offer some way of depositing cash. On the other hand, depositing checks online thru the mobile app takes a rather "long" time, the money wonâ€™t be there until after 3 days or more; it would be so much better if it just takes 1-2 day to process.
The Capital one 360 online bank is the best bank i have use yet. they work with you, their nice too you. you can use the atm with no cost, no fees and no minimums. i love it because i dont have to worry about nothing the only bad thing is that its online i rather it be a local bank but, thats okay because im happy with the bank i got.
I recently viewed information online where I could receive fifty dollars for opening an online checking account with capital one. For fifty bucks I said what the heck I can use fifty dollars. The requirements to receive the fifty dollars were open the account with a transfer from an active checking account and make three debit card transactions within forty five days. On the fiftieth day fifty dollars would be deposited into my capital one account. This seemed like a great deal so I made the initial deposit. Capital One has more than lived up to what was advertised. The account came with overdraft protection. Where I can overdraft up to my credit limit and instead of receiving an overdraft charge. I have a line of credit where the overdraft amount is charged at a reasonable interest rate until paid. Customer service is excellent. I have had a couple of minor issues that customer service quickly resolved for me. Also anyone I refer I receive a twenty dollar referral fee up to fifty referral. As long as the service remains this good capital one has a faithful customer.
I opened my Capital One 360 checking account last year in November when they offered a promotion that resulted in a nice bonus deposit after using the checking account for three months. I did receive the bonus indeed in January. I love having this checking account as it allows me to deposit checks by scanning them in from my cell phone. I first had some issues with the scanning process with my first check but I still was able to deposit it after a couple of tries and so far I have yet to find a check that I could not deposit that way. This is a very convenient feature. I also like this account because it charges no fees without requiring to carry a minimum balance or using direct deposit, and on top of it you even get to collect a little bit of interest on your balance. I still have another checking account at a brick and mortar local bank but I have to admit I find myself using my capitol one checking account more and more lately. I used my local branch at the other bank mostly to deposit checks which now I can do from the comfort of my home. Thank you Capital One 360!!!
I have been using Capital One 360 for my main savings account for years. When I first started the rates were amazing. Even after the market crash and overall rate reductions, Capital One 360 still offers the best competitive rate out there. The customer service is also great, whether you call or use email, they respond in a timely manner. They also offer ways to deposit checks by taking pictures, that means being able to make deposits from the comfort of your own home. I recently also added a checking account and am looking into possible opening a CD with them as well. They offer the best APY I have seen anywhere, I have never had a problem with this business and recommended them to my friends and family.
I joined Capital One 360 after receiving information regarding a bonus for opening an account. I had no trouble with the initial setup and in the specified time frame the bonus was deposited. Each time I log on, the site is very secure and any wrong information will be sent back to you and you will have to redo. They take several security measures. As a online account it is easy to make transfers, set up direct deposit and pretty much like any other stand alone bank. I enjoy the service that I receive and I will continue to use this account.
I started out online banking with ING Direct and had such a positive experience with them that I was a bit distraught when Capital One bought them out. I'm very glad I stuck with the bank because Capital One 360 has been great. They have added more local ATM machines and have made it much easier to make deposits, but with cash and checks. Customer service is just as helpful and easy to reach as they were before the buyout. The website experience is safe and very easy to use. I have had a couple of issues with the mobile app, but nothing major. Every once in a while I'll get an error message, but when I re-enter my username and password, it seems to work again. All in all, I would definitely recommend this online bank to my friends and family.
I got a checking account with capital one about 6 months ago and I was very unimpressed . I got charged all kind of random fees all the time that I constantly have to call them and complain till they remove them . I get overdraft fees when I still have money in my account, this has happened twice even though they resolved it quickly I felt like if you didnt watch your bank account all the time then you would get screwed over. I finally closed my account with them and moved on to another bank. Avoid this bank like the plague or you will regret it !
After being a loyal customer they closed all my accounts without a good reason. I told them I'm going to a bank that will give me a better APY.
The branch manager said that I will never find a better rate.
Guess what Capital One Santander Bank blew you out of the water with 1.24 APY.
I'm very happy with the change.
Change is good.
I have had a savings accounting through Capital One 360 (formerly ING Direct) for the past 9 years now. They have always had competitive savings account interest rates. I signed up for a checking account through their electric checking as soon as it was available. The fees are pretty much nonexistent with this bank. I love how easy and quick everything is done through the website and mobile application. I have never had any problems with them. They also offer a brokerage Sharebuilder that has very reasonable transaction fees that I occasionally use as well. I love how all my accounts seemingly integrate effortlessly. I just hope there are not any major changes after being acquired by Capital One. I plan on doing my banking through them for my foreseeable future and long term.
I am currently enjoying my experience as a Capital One 360 customer because there are virtually no fees, no minimum requirements, and no catches (that I have identified so far in the last 2 years of service). As of now, the current annual yield is 0.75%, which is reasonably competitive, especially when one considers the reality of no minimums or fees. I think another great feature is that it is very simple to link accounts to other banks and set up automatic transfers to make saving easy and schedule. There are also a variety of options provided to ensure you are saving appropriately and the customer service is not bad. So overall, this bank has a great account system, a competitive savings rate, and a helpful customer service team. Its a very good consideration when choosing banks to store your hard earned cash.
We have been banking with ING Direct for 10 years and to say we were extremely hesitant when they got taken over by Capital One would be an understatement. We were very worried that they would mess with ING's no hassle, easy going ways. Well, we needn't be worried because things are just as easy and seamless as they were with ING. The website is extremely easy to use, and the app is good, too, except they occasionally have buggy things happening. Overall, we are very pleased with our experience with Capital One 360 so far. Their rates are some of the best being offered right now, and their fees are minimal. We have savings accounts, CDs and a checking account and we have very few complaints. This is great banking, especially for people who don't mind not having a local branch nearby. We love being able to use the mobile deposit feature as well. Just take a photo of your check and in it goes.
Several years ago, my wife and I got fed up with brick and mortar banks with there fees for EVERYTHING. There were fees to speak with tellers and fees to use the ATM. There were fees for using your debit card. You name it - there was a fee.
We signed up for a bank account with ING Direct. They promised low fees and higher interest rates than traditional banks. We were impressed that they were able to deliver. Several years ago, ING Direct was bought out by Capital One 360. We have been pleased by the move.
Capital One 360 has relationships with a various ATM providers. We can withdraw money from various ATMs without charge. To deposit checks, we simply sign the back of the check and take a photo of the check with our ipad. We have never had a problem.
When the change over first occurred, we received a giant stack of mailings, new cards, and more information than we could process. We called Capital One and spoke with a customer service representative who walked us through several important changes. We were able to request new cards, due to some confusion. Our service was very professional and prompt.
I would recommend to friends and family.
Capital One 360 has been around since online banking was fairly new (at least in their ING incarnation). They seem to have the formula for how internet banking is supposed to be handled. I appreciate many of the features that their easy-to-use website offers, but none more than their instant transfer of funds between other Capital One 360 users. My entire family banks with them and we are distributed virtually all over the country. With the ability to instantly transfer funds between account holders for no fee, it makes all of our lives much easier (and more affordable). I can effortlessly transfer funds to my boys attending college and automate the process of essentially providing them with an allowance (they hate it when I call it that), and I have the ability to get funds to them quickly if an emergency arises. This has provided me with great peace of mind. It's definitely cheaper (as in free) than all of the third-party money transfer services, and the funds are immediately available for them to use. Pretty darn convenient. Overall I am extremely satisfied with the level of service I have received from Capital One 360 and will be keeping them as my go-to bank for personal finances.
This bank is amazing. Every time that I have an issue they are on it. I love the fact that I am able to call 24/7 and there is always a happy person on the other line willing to work me through my troubles. I have recently dropped my own local bank in exchange for this one. Just because the customer service is amazing, the month fees are nill. I first started out with their credit card, and I loved it so much I decided to switch all my services over to them.
There online Apps make life so much easier. I can now manage my money, and pay my bills right there online. With the tech era going strong, this is a must have for any bank to compete out there. I would highly recommend this to anyone that is looking for a game changer, because they definitely were the game charger that I needed in my banking life.
This bank is amazing. Every time that I have an issue they are on it. I love the fact that I am able to call 24/7 and there is always a happy person on the other line willing to work me through my troubles. I have recently dropped my own local bank in exchange for this one. Just because the customer service is amazing, the month fees are nill. I first started out with their credit card, and I loved it so much I decided to switch all my services over to them.
There online Apps make life so much easier. I can now manage my money, and pay my bills right there online. With the tech era going strong, this is a must have for any bank to compete out there. I would highly recommend this to anyone that is looking for a game changer, because they definitely were the game charger that I needed in my banking life.
I have been using Capital One 360 for around 8 years and have been very satisfied with my experience. The competitive rates on the savings account are the original reason I signed up for this online bank. The website interface is easy to use and the content is organized in an intuitive manner. Setting up external accounts and transfer money amongst said external accounts is painless. My only complaint is the user login process is a bit cumbersome than other online banks I have used. There seems to be an extra layer of authentication that this bank uses with a customer ID, logo identification, and numerical pin. However, if this is what it takes to provide internet security then I am ok with the extra steps.
If you want the convenience of a great online bank without worrying about travel, a great suite of banking products and tools, a pretty good mobile app, great customer service, and hassle free transactions, then look no further than Capital One 360.
First, Capital One 360 offers excellent customer services. Banks tend to be notorious for customer service that isn't loved by their customers, but Capital One, as a whole, has been a wonderful experience for me. I had a question about the money bonus for opening up a savings account with them. I opened up a chat with them and was with someone speaking about the issue in mere moments. They clarified how to get the bonus and what I had to do to be eligible. I believe I got $125 JUST for opening a new account which cost me nothing! I don't believe there is even a minimum you have to maintain in the account. I don't think there is a deposit minimum either, but if there is, I think it is no more than $5, which is awesome. Beyond that, I've only had to use customer service one other time, which was a phone call to inquire about ATMs that accept the card in my area. That was a painless experience and the rep was friendly and knowledgeable.
As an online bank, the online banking experience is of course what matters most for Capital One 360, and it does not disappoint. As an IT guy, I appreciate that they have you set up a username/customer ID and then a PIN (separate from your card PIN) to login to the website, which was it twice as hard for hackers to ruin your day. The website is bright and colorful (red, white, and blue), without being tacky. The user interface is intuitive and easy to learn. There's a lot to click, but there's almost always a help bubble or applicable FAQ link near or under a button or link. You can see all your account balances on the summary page. You also have access to tabs that will show you your transaction history, pending charges, check orders, account info, and so much more. Ordering checks is just a matter of having $5.00 deducted from your account and then waiting 7 or so days. NO phone call or middle man. I've done 6 transfers on the website to my credit union account and they were all free. I've also done transfers TO this account which was also free and easy. Another neat feature is the ability to set up a savings plan. For instance, I like to save $20 per pay check, but don't want to be tempted to spend it by having the cash on hand. So, I set up a schedule for the $20 to be taken from the account that gets my check direct deposited and Capital One pulls that money from the account on the day(s) of my choosing and puts it into a savings account (of which I can have multiple). No piggy bank or temptations! There are other neat things about 360, but one of my favorite things is the ability to deposit checks without having to leave your home. You can either use their mobile app to take a picture of the check and upload that, or upload a picture of the check right off of your computer. Either way, it is a simple process and I've never had an error having my check processed or rejected. The mobile app looks really good and is pretty simple to use, though it is a bit cluttered and a little slimmer on features compared to the site, which is expected. I like Capital One's credit card app better, but the 360 app still gets the job done.
In conclusion, I haven't tried any other online banks, but Capital One 360 has shown me how incredible and convenient they can be. Being able to deposit a check or make numerous transactions while in my pajamas is a gift from the banking gods. I'm satisfied, and anyone else who used the service would be too.
I decided to open an account with ING Direct years ago for the high savings account interest rates that were much better than any of the local banks (savings account rates were higher than local CD rates!). Over the years, the interest rates have dropped (and the bank changed to Capital One 360), but the customer service, ease of use, and higher-than-local returns have not changed.
Some of my favorite features of banking with Capital One 360 include referral bonuses that are easy to collect once you tell your friends about the great interest rates. The website is also extremely easy to use and ahead of its competition: I remember digitally depositing checks through a mobile app years before the larger banks implemented the system. You can also set goals for each of your savings accounts to help you stay on track with your finances. A huge convenience is the peer-to-peer payment system: I've used this to send money to my brother (who banks elsewhere) to easily split the cost of big Christmas presents for our parents.
When I have had an issue (I once was declined at a gas station in the middle of a freezing cold winter storm), I have been able to connect to a customer service agent immediately--no listening to a lengthy recording or being redirected through a ton of departments. The customer service department was quick to respond and solve the problem.
I've been a customer of Capital One 360 (formerly ING Direct) for nearly a decade, and I can't foresee changing that relationship.
I have been using my capital one 360 checking account for a few months now.The customer service has been great when needed. I love it, because it does not charge me any fees. I get a debit card with the account and I can deposit checks using my cell phone. So far I have had no problems with the account. I love the no overdrawn fees feature with my small overdraft line of credit. It is very simple to transfer between 360 Checking and Savings, as it's instant. It's also easy to transfer money to outside banks. I am much happier with this checking account than I have been with any other banks.
Capital One 360 is the best internet bank I've worked with. I've used them back when they were still ING Direct. The fees are minimal compared to brick and mortar places near me. The way they handle overdraft is very consumer friendly. They treat it like a line of credit. Instead of paying $35 at a typical bank for overdrawing $0.01, Capital One 360 will charge interest on the amount overdrawn. This results in far less penalizing fees. Their site is easy to navigate- never had a problem finding what I needed. The few times I needed to contact customer service have been a breeze. I wasn't on hold for a long time and was quickly patched through to a helpful human representative.
I recently closed all of my big bank bank accounts and moved all of my checking and savings to Capital One 360! I have been with them for over 10 years (back when they were ING Direct!) They offer excellent rates on savings accounts (money market accounts) and that is what they have always been known for, at least to me. But they also offer excellent no-fee checking account which really protects my interests my much better than the big banks do! Another feature I love is the ability to quickly and easily open multiple savings accounts and create savings goals! I really have gotten a handle on my finances due to Capital One 360's awesome features!
I started an account with ING years ago as a separate savings account to help me save money by putting a little distance between me and my money. When Capital One bought out ING, I was a little nervous that they might change the rules or policies, but other than the colors on the website changing, I have hardly noticed any difference. It is still a very convenient home for my savings account; I set up automatic transfers from my checking account and can also make additional deposits whenever I have extra money to deposit. I have a debit card that allows for quick/emergency access to my account if I need it, but I try not to use it. I highly recommend Capital One 360 as an online banking service.
Capital One 360 is a great online bank for all of your banking needs. I have used this bank for a variety of reasons, including checking, savings, and CD accounts and all experiences were exceptional. The terms of each account is easy to understand and every question of mine was answered. Each time I contacted customer service they were quick to respond and help me. The rates area also great! The online site and app are easy to use and navigate. I love using capital one 360!
I feel secure when using this website and processing banking transactions. The customer service is very good - any time I have a transaction I receive continual updates on the status. One thing that I do not like it the time it takes to transfer money in to the account and have it be available. I transferred money from a linked bank account and it took 7 days to access the funds. It is very quick to withdraw money into a linked account (about 2 days). The website is bright and easy to navigate. Overall I am pleased with CapitalOne360.com
I started using Capital One 360 a year ago and have had a great experience with them thus far. There is no minimum amount required to be in your savings account and there are no annual fees, which was a major plus for me as I am a college student. Capital One 360 makes it simple to deposit checks from work. I can either choose to have my checks direct deposited into my savings account or I can deposit my check through their mobile app while sitting in my bed. I even gain a variable interest from the savings account. Overall, I would suggest online banking with Capital One 360.
I have been very impressed with the checking and savings account I have through Capital One 360. I am most satisfied with my ability to view my purchases online and deposit my checks using checkmate. I really like being able to use checkmate's app to take a picture of my checks with my phone and then deposit them. This saves me a lot of time because I don't have to drive to my local bank to deposit checks anymore. They also have a Bill Pay service and provide me with a Mastercard debit card, which I can use pretty much everywhere debit cards are accepted. One of the things I like most is how they deal with overdrafts. Instead of charging me an outrageous fee everyday my account is negative, they offer you a line of credit where interest accumulates, and you only have to pay the interest on the amount you overdrew. I have overdrawn my account on several occasions to pay bills and have paid a low amount of interest compared to the large fees other banks charge. Overall, this is a great online banking account and I would recommend it to anyone interested in a checking and savings account.
i have been with Capital One 360 for over 3 years now, i have never had a problem with them since the day I joined with them, they always make sure that I get what I need and get it without fuss. Internet banking with them is so fast and reliable because of their secure server. Oh and let me add I this, you always get what you need from them just ask client representative and they will show it to you step by step. That's why I don't have any complaints. It's fun it's easy and payment processing doesn't take too long. I would recommend this to anyone who might read this review tell your friends that Capital One 360 is the one.
I was a long-time customer of ING Direct and was so happy with that bank. I was extremely distressed when Capital One took over, and nearly closed my account. I'm so glad I didn't, because Capital One has really done a good job of retaining what made ING so great in the first place. Customer service is quick, friendly, and helpful. I have savings, a Money account for my teen, and checking through them. When I deposit money, it's slower than a brick and mortar, but still quick enough that I can use the cash a few days later. Overall, I'm pretty happy with this bank.
I have had an account with Capital One 360 (formerly called ING Direct) for about 7 years now. It was a great bank, back when the interest for a savings account was around 4 percent to 5 percent and the signing bonus was upwards of $50. Now, the interest rate is less than 1 percent and has remained as such for a couple years now. My accounts (checking and savings) are still open, but the majority of the money kept in them have been moved elsewhere.
Beyond that, I've always hated the login format for ING/Capital One, which shows as an ATM-type number pad, rather than a traditional password. I find all-number passwords to be harder to remember, and the pad is a pain to use from a laptop trackpad (you cannot use the numbers on your keyboard, only the faux number pad). ING/Cap1 also takes longer to transfer funds than other banks that I use, typically a week or longer, compared to 2 to 3 days with other banks.
I used to be fine with those issues when the interest rate was high. There just isn't anything that makes ING worth it anymore.
I have banked with Capital One 360 for the past couple of years. Previously the bank was ING Direct, and I enjoyed their services as well for at least five years prior to the switch. I enjoy this online bank because they offer competitive interest rates, easy bill pay, easy and fast savings plans, and friendly customer service. On the one occasion that I had to actually pick up the phone and call them because my internet service was down, the attendant took care of my transfer request in a fast and friendly manner. I appreciated the security questions I was asked prior to the transfer. Their website is easy to use, and it is very secure. I appreciate and value this online bank.
I have been internet banking for about 8 years, and recommend it to ALL my friends. Capital One 360 (formerly ING direct) has given me a great experience with internet banking. When my husband and I started our account 8 years ago, we had just finished college and were starting out with little to nothing and were only able to tuck a little away with each paycheck, so we wanted a Savings Account that would offer us 3 things: an excellent interest rate, little or no fees on withdrawal, and instant access to our account. Capital One has given us all three and we love it! While we started out at a spectacular interest rate of 4%, that has fallen considerably to about .75%. Still, with other savings account competitors rates coming in at around .25%, we are still getting a great rate. We have made numerous withdrawals and deposits from our regular checking account (linked electronically) and have NEVER paid any fees to transfer funds between the accounts. That in itself is pretty awesome. What's more, I feel extremely confident in the security platform that the Capital One group uses. In short, I have loved our experience with internet banking, and would highly recommend the experience to others!
We keep our savings and also our car maintenance "sinking fund" at Capital One 360. We opened both a savings and a checking account and received a monetary bonus for both accounts, which jump-started our savings. CO360 offers high interest rates for both checking and savings accounts and they don't charge monthly fees, which is awesome. I've never had an issue with either one of my accounts. Transfers between accounts are instantaneous and transfers to/from my "brick and mortar" bank only take a day or so. I really like working with CO360 and plan to keep my accounts there for as long as they continue their great service.
I have used this bank for about 3 years now. I started out with them when they were Ing Direct. A few months ago they were purchased by Capital One. I have never had a bad experience with them. I do practically everything online anyway. (I pay all my bills online for example). Their website is very well designed. Any recent transaction that doesn't go through immediately is listed as pending, so I always have a good idea of what my current balance is. Hyperlinks are provided for the sites of those who take out money from my account so I can get more information.
They are linked with other Capital One products, so I can always see my credit card balance without having to log into that site separately. They offer overdraft protection, and the only fee they charge is the interest they are losing on that money while you are using it. This adds up to only a few cents. Their online site provides all the features you would get with a regular bank including the ability to see statements online. I have found that I really haven't missed the presence of brick and mortar branches. I highly recommend them to everyone.
My wife and I opened a joint Capital One 360 Savings account as a way for us to save money for our wedding. We opened the account about one year before the wedding. The online registration process was simple and didn't take too long. We were able to easily link our separate local bank accounts to our Capital One 360 account online to make transfers back and forth. Transfers of money were quick (usually a couple of days) and could be done online or on our phones. It made saving for our wedding easy to do and easy to track. Overall I enjoyed my experience with Capital One 360 online banking.
I have been using capitalone360 savings account since they bought out ingdirect savings accounts. Their rates are competitive versus other competitors and the interface is pretty user friendly and easy to use. I've had no problems reaching customer support and getting any questions answered.
Withdrawals and deposits are in the account in a timely manner even though it could be a little bit faster. Just wished the saving rates would go higher. Overall, capitalone360 has been good to above average.
I have been a customer if ING Direct now Capital One for many years. I can honestly say that they are truly no hassle. Other online banking sites have blocked financial transfers for unknown reasons, made me show up at physical branches or call them in order to resolve problem. Not ING Direct. My experience with them has been rock solid using checking, savings and investment accounts. Their savings and investing accounts are truly set and forget unless you want to watch your money grow that is.
I used ING DIRECT before it was taken over by Capital One 360, so my review is for that time period only. I stopped using it when it changed hands, but not out of dissatisfaction. I could no longer log-in to my account. I used their Orange Savings account. At the time, the interest rate was among the best. Savings rates have plummeted in recent years due to the economy, but ING always remained competitive. Their security was top notch- there were multiple layers to get into your account, so it would be almost impossible to hack into. My money was very easy to transfer or deposit from my bank account to the savings account. It was overall a stress-free, pleasant experience.
I was skeptical about signing up for the account at first, but the sign up bonus was a great incentive that convinced me to create the account. One year down the line, I love the fact that there are no account fees for this account or minimum balance requirements unlike most conventional accounts. The best part is that you can deposit checks using the mobile app and the interest rates on their accounts are jaw dropping and they increase based on your account balance. Lastly there are multiple accessible ATM's where you can withdraw money which comes at great convenience and their customer service line doesn't have a long wait time.
I love my experience with Capital One 360. Actually, when I opened my account on June 2013, they gave me a $50 sign up bonus which is unexpected. I chose this because I also have Capital One Journey card. It is also awesome bank account for my teenage kids. I love how I can give them balance to their account so I can control on how they're spending. Overall, I'm happy with this bank. I will never close my account with them.
I LOVE the Capital One 360 app and the bank! With other bank's apps, it is next to impossible for me to create images that are accepted for mobile deposits. I never have trouble getting Capital One to accept my image. The app is so user friendly and lets you pay bills, transfer money between accounts, or send money person to person with no effort at all. With competitive rates on saving and checking, and the great app, you can't go wrong with Capital One 360!
I think Capital One savings (formerly ING Direct) is one of the best internet banks around. As with many online banks, there are no fees to have an account which is an absolute must. I use them for their savings account (where I hold my emergency fund), which has one of the highest yields. It isn't the highest, but it is competitive enough that I don't feel the need to switch at the moment. Their website is easy to use, it's secure, and just overall very convenient. I can transfer money back and forth without ever going to the bank!
This checking was initially set up as a back up account for us, and quickly became my primary. The features are so easy to use and super convenient for the household CFO on the go! I have all my accounts linked, including my credit card, savings, checking and even my children's savings accounts. There is online bill pay that is so easy to use. Many ATMs with no fees. If I want to make a deposit but don't have time, simple, I just take a picture of the check and boom, done! The smartphone app is fantastic, allowing you to keep track of all of your accounts from the palm of your hand. They even keep track of my credit report for me. It doesn't get any better then this!
Capital One 360 is an outstanding bank. They have no fees for checking account. Their customer service is excellent. If you need to call them, you won't wait on hold forever like some banks, you get right through to a real person in America that speaks American English. They have always been very helpful and have solved whatever issue I had every time I had to call them.
Being a long time ING Direct customer, I admit I was a little skittish when Capital One announced they were buying the online banking services from ING. My fears were put to rest shortly after the transition, however, and I've had nothing but pleasant experiences with the bank. In the few incidents where I had to contact Capital One directly, they were extremely helpful, knowledgeable, and dedicated to service. I constantly move money around a variety of accounts, including Sharebuilder which they also acquired, and everything functions seamlessly. If you're looking for a great online bank that won't smack you with high fees, Capital One 360 is for you.
ING DIRECT was sold to Capital One, so it is now called Capital One 360. My experience with with ING Direct prior to the name change, but I would imagine it is still of the same quality.
I found ING Direct to be very user friendly, simple to use, and of great quality for the savings. If I were someone who had a lot in savings that I never needed and never transferred to other accounts, I would have remained with ING Direct. However, I had to go back to a regular checking/savings account with a larger bank. I recommend ING Direct very highly to those with stable savings accounts, which are left alone for a while to gain interest.
Recently, I opened a Capital One 360 account. A bit of research was conducted, just prior to opening the account. That research indicated that: the account would be a convenient asset for me, and that fees for maintenance of the account would be reasonable, and minimal.
I navigated to the website, for the Capital One 360 account. The instructions for opening the account were simple, and easy to read & understand. I chose a username, and password. Next... I entered some basic contact information. Once this information was entered, I was required to link the Capital One 360 account to an existing bank account as verification of my identity. (this I did not like. however, I did understand the necessity.) Capital One 360 uses the tiny deposit method of verification a small amount is deposited into your linked account, and the user is required to verify the tiny amounts deposited.
The verification process took just 2-3 days. Once I had verified my account that was it.
I was able to begin use of the account immediately.
The process was fairly quick, simple and painless.
The site contains a listing of all required fees & accessories, which are all reasonable, and minimal,
A few years ago I was looking for a way to deposit some money for a side job in an account that was separate from the joint account that my wife and I share. I wanted to keep it separate to pay some backed up bills and wanted to make sure we didn't spend that money on regular family stuff. One of the things that I really wanted was the ability to hook into my current checking account in case I wanted to move money back and forth. Another thing I wanted was free instant transfers between my online checking and any number of connected online savings accounts. I found both of these things in ING Electric Orange. Later, they were purchased by Capital One and it became Capital One 360. It's amazing. I have 9 different savings accounts. I deposit money into the checking account and have automatic transfers that go into the savings accounts. When I have enough to pay off something from one of the savings accounts, I pay it off and start over. It's literally perfect, I haven't had a complaint ever. Combine that with the great customer service the one time that I called them, and the fact that it has all of the other features of a regular bank, such as being able to take pictures of checks on my phone to deposit, it really is the perfect tool.
I have been a customer for years. I started banking with ING Direct which is now Capital One 360. The website is very easy to navigate, the menu and tabs are very user friendly. There are many ads that advertise the banks other services that the customer may find useful. You can easily set up other accounts to save money for different life events. You can also set up savings accounts for your children and deposit checks by taking pictures with a smart phone. Capital One 360 is a great internet bank!
I have had this bank account ever since I applied for my capital one credit card five years ago. Initially I was hesitant about opening a bank account with a credit card company thinking they would just charge me a bunch of fees since that what credit card companies are about. I soon realized that the account was like any other bank account. I had no issues with fees and I have had no real problems to speak of. I give it a (5) rating.
Capital One 360 is a great bank, I love their mobile applications. In addition, I like their online banking. I think it is easy to use, and has a very professional/ user-friendly design. One thing I do not like about Capital One 360 is their customer service. I had an issue with not being able to log in to my account, but when I contacted customer service, it seemed like they did not want to help me. Great bank, with slight customer service issues!
I have not been using Capitalone360 for very long but it is very accessible and very easy to use. At this time I only have a checking and a savings account with them but the other products and services that they offer look very attractive. Capitalone 360 seems to offer everything you could ever want or need in financial products without really having to leave your living room. As an incentive to open a checking account they are offering a $50 bonus. The checking account has no fees and it also pays you interest. This is a big plus in my book. I thought that it would be a problem having a checking account with an online only bank but you can access cash at thousands of ATM's with no fee. They even offer mobile deposit so even depositing checks is easy. You can transfer funds from one bank to another and that is very quick. It doesn't get any easier than CapitalOne360. I haven't had to contact customer service but I am quite sure that even that is a piece of cake.
I signed up with Capitalone360 not long ago on a referral from my sister. So far the service is great.I love their mobile app too. I have a few other bank accounts and they all have some sort of mobile app but none of them are as handy as this one. For the most part I really like my account with them but like almost everything they're not perfect on all front. I have found myself, on more then one occasion, a little displeased with a few aspects of the service. First off, like I said, I haven't been with Capital One long, so believe my surprise when I noticed on two occasions overdraft charges that didn't belong. Once, I understand, but twice, especially in such a short time, was disappointing. Especially since everything was so great otherwise. And it wouldn't have been to bad but when I called the first time the customer service representative I got was rude and not very apologetic about his banks mistake. And the second time, I got a lady who wasn't much nicer. They both fixed the mistake and credited my account but I was definitely unhappy with how they treated me. All in all I still give this bank a good review as everything else has been so good I find myself using this account more then some of the others I have that I've been with for over a decade.
I had an Ing account that was taken over by Capital One 360. At first I wasn't sure how well it would work for me, until I looked through all the paperwork. It's so easy to navigate around and I like the rates. I've even got a checking account with them now. Also setting up my kids' savings accounts was just as easy as setting us up with direct deposit. Overall I've found Capital One 360 easy to set up, navigate around and transfer money around. Love this bank!!
I started using Capital One 360 when IngDirect USA merged with Capital One. The strengths about this internet bank include: user friendly website and mobile application, excellent customer service, and low fees when overdrafting account. Some areas where they could improve include: the formatting when exporting transactions into excel, the turnaround time when using the "Send a Check" option, and the buggy nature of the mobile app when you try to deposit a check using the camera feature on the phone.
After being pummeled with constant fees from other institutions for years on end, I finally decided to join ING Direct (before they were bought out by Cap One). I was drawn in by the amazing interest rates and the nearly feeless checking accounts. My only real gripe while using the service was that putting money into your account via traditional methods just isn't possible. You'll either need to have some sort of electronic third party, write and take a picture of a check to send to them for verification, or send them a check through good ol' snail mail.
As of a few months ago, with the dramatic decrease of the saving's account interest rates, I've switched institutions and have left ING / CAP 360 behind. It'd be 5's across the board if Capital One didn't tarnish such an amazing bank.
Signed up for this bank when they were offering a $200 sign up bonus for signing up with a checking and savings account. I have had no problems at all. Transfers were smooth from my existing bank to Capital One. Withdrawals and deposits have been smooth. I fulfilled my requirements for my sign up bonus and received it promptly. the only complaint I have is that there are not too many ATMs that I can access in my town.
I have been an ING/CAP customer for over 11 years and I have had enough.. I received a check for 6500 and cannot deposit it. They want me to sign and mail it in and while explaining to me the great risk of signing a check and mailing it of that dollar amount and if it gets lost, cashed, etc I am out. So I say no, I will just Echeck deposit it. No there is a limit on that of 5000 per check, so I can't do that either. Then he tells me I have an account linked to mine and maybe just filter it through that account, really, that is my solution? Use a friends account. Then I ask, can I use an ATM, he says sure, but we don't have any in your state or on the West Coast at this time and no plan in place to update the ATMS in my area to accept deposits.
I then ask him, help me out, I have been with ING/CAP a long time, why should I stay, I can't deposit a check, he said I don't know.
WOW is all I could say.. Yes they have treated me fairly, but really is this worth it! I am sure other banks have same issues, but why I can't deposit via ATM is beyond me.
Time for a new bank...
I opened accounts at this bank when it was still ING Direct. At that time, the savings account rate was one of the best....after a while, the interest rate was competitive, but then I used it as a minimal standard. Previously, the bank only allowed 3 "linked" accounts via writing and mailing a check or a voided check.
Their CD rates are okay and are affected by the current economy. One of the most interesting things in the past (I don't know about now) is that there was no minimum amount to opening a CD.
When they offered the electric orange checking, it was very very interesting since...it was a new product; no checks; almost a pure billpay account. One nice feature about this account is the P2P (person 2 person) feature that allows a person to sorta link other checking account as outbound destinations; making Cap1-360 a hub. It's a sorta manual method of creating an ACH push, but it's not bad. However, if I knew earlier, I wouldn't waited for the promotion to open an account instead of being an early adpoter.
After the acquisition by Capital One, the rates have stayed competitive, but the main reason I'm "reviewing" is because I just noticed the first "free 50 checks" for the bill pay account. previously, it was $5 for a pad of checks. nice perk.
I opened this savings account because my Big Bank savings account pays essentially no interest these days. At 0.75% currently Cap One 360 is still very little, but still something more. I also really like the possibility of opening sub-savings accounts: this allows you to save for individual things (vacation, house down payment, medical expenses etc) instead of just clumping everything together in "Savings"
Easy to set up. I did it on my lunch break. No papers, no waiting. Everything online and easy. No need to mail checks. Funding is done by ETF (electronic transfer - not wire transfer so no fee).
Easy to use web site.
Yes I know it takes about 3 days to get money out, but for me the entire point of a savings account is to give myself a time delay to get my money so I don't spend it on silly things.
Got a free $25 bonus just for signing up. In this low interest rate environment, that would have been like 2 years worth of interest. Not a lot, but still free money. I had to sign up through a link generated by someone who already has a Capital One 360 savings account (be referred). Here's a link I generated. If you to go the capital one website through that link you get started with a free $50 for a checking and free $25 for a savings account
The only drawback is their mobile app - I don't really like it. But since I only use their savings account, I don't really need to use it anyway.
It has taken me three days to finally decide to close the account I've been trying to set up with them. Faxed articles of incorporation, current bank stmt, voided check, took forever to register on their site, had to provide personal information only to learn my bank's statement wasn't good enough because it didn't have the routing number printed on it. Told me to refax and write the routing number on it myself.
After going round and round with a CSR I finally decided I would just close out the account. A measely .40% interest isn't worth all the grief they gave me today.
They are holding the funds they transferred from my previous bank for three weeks before they will put it back into my account citing all kinds of reasons for that kind of time as if I was the one that had the script in front of me and should have known all this. So they're getting my money for 3 wks without paying interest or doing anything but frustrating the heck out of me. Bad, bad customer service. Terrible bank to do business with.
This bank will not stand up for its customers against fraudulent use of a card. A purchase I did not make ended up on my account and they refused to take it off my account. Then trying to close my account out took over 2 weeks to accomplish.
Online banks sound great, but when you have no physical branch to do certain crucial activities (such as closing out the account easily), they can become a nightmare.
DO NOT patronize this bank!
I used the link below
Refer a Friend - Capital One 360 (This link)
and it was great!! I signed up for both a checking and savings account. My savings bonus was deposited almost instantly after they confirmed my $250 opening deposit. After i received my check card in the mail I made 3 small purchases. ($1.00 sodas). the next day I awoke to an email saying I have met all requirments for the bonus and it would deposit on such and such date. That date hasn't passed yet but I know I will receive the bonus.
VERY EASY $75! I plan to close my account after I get all of the bonus money but I have no complaints with them so far. I may decide to keep it.
Their site feels very secure and I contacted their customer service department to inquire about closing my account after the bonus. They said they would hate to see me go however once the bonus is paid I am free to leave. Very friendly and helpful.
Thanks to the poster below for sharing this link. It was a great help for a bargain hunter like myself.
This bank really takes security into great detail. They have great deals, and very low fees. They do not charge an overdraft fee, just a very very small amount of interest if you do overdraft.
For a $50 bonus! (Checking) or $25 for Savings click here!
I was able to open a checking account with no Min. (I did deposit $5.00 into the account just to link my regular banking account). I also opened a no fee savings account! Again no Min. (I put $1.00 in)
The biggest downside to cap 1 360 is their lack of free checks. Most banks offer free checks now but this isn't a big deal for myself.
I have been a member for a while!! No problems yet! I closed my Ally account because I like the features of this account better.
Last, if you have children you can make them a kids account and they have their own sign in information if you would like! Great feature!