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Post by utmr on Dec 2, 2016 17:26:23 GMT
Has anyone used Capital One for banking? Not credit cards. Any feedback? Good experience? Bad?
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Post by craftmepink on Dec 2, 2016 17:32:49 GMT
I use Capital one for banking. Actually, I was using Chevy Chase Bank since I was a teenager but they got bought out by Capital One a couple of years ago. Never had any problems. Of course I just use it for my banking and savings account, that's it.
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Post by utmr on Dec 2, 2016 17:43:51 GMT
Do you use them online only? It sounds like you might have a branch?
I do all my other banking online, so I don't know why the idea of an online bank is stressing me out.
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MDscrapaholic
Drama Llama
Posts: 6,623
Location: Down by the bay....
Jun 25, 2014 20:49:07 GMT
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Post by MDscrapaholic on Dec 2, 2016 17:46:10 GMT
I use Capital One 360. Used to be ING but was bought out. I haven't had any problems with them.
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peppermintpatty
Pearl Clutcher
Refupea #1345
Posts: 3,969 
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Post by peppermintpatty on Dec 2, 2016 17:52:24 GMT
I started with them when they were Citizen's Bank, then Chevy Chase, then Captial One. I have both banking and cc accts with them. I also have banking accts through what was ING Direct but is now Captial One 360, so I have used them for years. I have had no problems with them. They have phased out tellers in their branches and only have a couple people for more complicated matters. This aspect I do not like. When I have shows and need certain denominations for change, I have to go to two different locations because the ATM's are configured differently. I usually need 1,5, and 10's but one machine gives 1,5,20 and 100's and another machine at a different branch gives 1, 10, 20, 100's. That is a pain in my ass but it rarely happens so I just deal with it.
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Post by craftmepink on Dec 2, 2016 18:12:33 GMT
There are several branches in my area (Northern Virginia) but I hardly ever go to the physical banks anymore. I just do online banking. Their only banking system is very user friendly from my experience.
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Post by Bitchy Rich on Dec 2, 2016 18:39:59 GMT
I use Capital One online only and am very happy with it. I have savings and checking accounts tied to my investment accounts and a couple accounts for a minor. Everything is in one place, easy to transfer funds to any account I want. I pay all my bills online from there.
I use their mobile deposit to deposit checks, which is very convenient. I've never had any issue with them.
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Post by Ellie on Dec 2, 2016 19:14:33 GMT
We use Capital One for our primary checking and savings account. We also have a cc with them. Have had no problems. We do have several ATMs in our area, which is handy.
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Post by utmr on Dec 2, 2016 20:23:18 GMT
Ok, you guys convinced me. I just opened an account online in about 5 minutes. They are offering 1.25% on a 12-month CD as compared to .02% at Chase.
I do all my other banking online, so I don't know why it concerned me. Maybe they have a better rate because they're not paying for the brick and mortar locations.
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johnnysmom
Drama Llama
Posts: 5,684
Jun 25, 2014 21:16:33 GMT
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Post by johnnysmom on Dec 2, 2016 21:25:06 GMT
This is timely. I was just looking at switching my business account to them because they offer totally free business checking and savings and you can have multiple accounts. I keep looking for a catch, but I can't seem to find one.....what's the catch??
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StephDRebel
Drama Llama
Posts: 6,703
Location: Ohio
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Post by StephDRebel on Dec 2, 2016 23:21:57 GMT
In just making my place.
I've also been considering and then freaked out anout not having a physical branch....but when I think about the last time I went to the bank I'm sure it was over a year ago. Long enough I can't remember.
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