The no fee overdraft and early payday is great. The cons are having to go to cvs to deposit cash. And the mobile check deposit is horrible. They tell you next day availability but hold your money for a week.

Bank is convenient; however, I transfered over 4000 from my old banking account on Dec 22, the transfer is sitting there and I cannot access it until the 29th....the app I used said by the 24th....so it's Christmas Eve and there is 4000 of my money I can't touch . Thanks!

Closed my accounts I had for years because my new address wasn't acceptable to them. Didn't email me. Didn't send a message to my old address. I was out of the country. Came back I had letter that I had 30 days or something to this effect (Been months ago) to contact them or they would close my account. Also had checks for my closed account, sent to the new address, not the old one. New one they didn't like. Why not email me?? Online account? Contacted customer service. NO help! Customer service wanted me to send a copy of my ID. For What? Closed my account I told him. I AM Not going to reopen it. Wouldn't help me or talk to me without sending him a copy of my ID, even have all other info for him. Was better when it was ING Direct. No Problems. Tried open another account before they closed it, not simple, need fill out paperwork. Just sub accounts. Just use Smarty Pig It's better, easier, can add accounts to watch stuff and goals. Don't fool with this company! I am busy don't have time to write reviews but this one needs to be done.

They sent my debit card via the slowest way possible so for a MONTH I have had no way to gain access to my funds. There are no branches ANYWHERE. If you want your money held hostage, put the money in a capital one account.

Capital One loves to lower your interest in high interest savings accounts. This made sense with Federal Interest rates being close to 0 for such a long time. However, when interest rates started climbing back up, they create a new product with the higher rate to get people to park money there. They don't sell the old product anymore and won't let you know about it so they can make more money off of you. This was the only bank that did this to me. Trust someone else with your money.

I’ve had my 360 Checking for about 2 years—it’s not my primary bank that my direct deposit goes into, but the 360 bill pay system is better than my other bank’s, so I use it as a transfer account and to pay some bills on auto-pay. I didn’t experience major issues until recently. I always had mobile check deposits (I receive money from an old school trust that cuts checks) clear within 2 days, with a chunk being available immediately. The last 2x I deposited checks there has been an issue. The first issue was my deposit of 2 checks totaling just under $5k. Everything seemed to be pending, then the next day a flag went up and my account was locked—even though CapOne sends me garbage promo texts constantly, they couldn’t be bothered to text about this—they sent an email, which I didn’t see until the next day. In the 12 hours overnight that it was locked before I was able to call in, I had 2 bill payments fail, not from insufficient funds, but because the account was locked and unusable. When I spoke to a rep, I was told that oh yes since your usual pattern is to deposit one check and not two, we’re reviewing the transactions. They then told me that the check funds would be held for 5 business days. Since they DID unlock my account right then and I didn’t NEED those deposits right away, I said ok no big deal maybe just the fraud analysis is really intense.


Fast forward to this week—on Tuesday I made another mobile deposit, the first I’ve done since the incident above. Deposited a check for $2k, and immediately got an email that my funds would be held until the FOLLOWING MONDAY due to “the risk the check may be returned”. Mind you, this is a check from a money market account, not a personal 2-party check, yet they used the “risk of not clearing” excuse. I called the CS line, and was like hey, this check hold is way longer than anything I’ve experienced here before, can you tell me what’s going on? The rep put me on hold for 20 minutes to “speak to the review team”, came back on and said “no problem, we do have to hold it for at least 24 hours so call back Thursday and we can get the hold released early, I’ve put a note on your account”. Great! So I wait until Thursday morning (today). I call back and let the rep know of my conversation. He places me on hold for 5 minutes, comes back and informs me that they will indeed NOT be releasing the check earlier, that it will be Monday. I pointed out my Tuesday conversation and he said he was very sorry, but that the rep must have lied to me. Um, what? I ask if there’s any recourse that I have—I’m then transferred to another agent who almost immediately sent me to a manager. I thought I might finally get somewhere, but THIS useless human on a power trip (newsflash: you’re an accounts manager at Capital One, it’s not impressive) keeps saying “we’re entitled to hold funds for this timeframe, it only SEEMS long because there’s a weekend in there and weekends are not business days”, like thank you so much, I’m an idiot and had NO idea that Saturday and Sunday weren’t business days.


Bottom line—I’ve always had a balance of $2k+ in my account. I’ve never overdrafted. I’ve been a Capital One credit customer for 18 years and a banking customer for 2. If, on Tuesday, I’d been told that no, there’s no way the check will be released before next Monday, I would have said ok well guess I’m depositing checks into my other bank account instead moving forward—other than the hold annoyance it wouldn’t have been the end of the world. But I was blatantly LIED to, given the run around, and then told repeatedly that they were “entitled” to keep them this long.


Know why banks hold check deposits? Because they get interest on that “float” amount while it sits there before clearing, along with the interest they get once it’s deposited. They’re essentially legally double dipping and making money twice, and they can choose to keep it longer any time they want, for no reason at all.


Since I now have another 4 days to wait until my check clears, I’ll be moving everything in there to my primary bank account at that time. I’m done with their ridiculous account shut downs, deposit hold times (literally the longest I’ve ever experienced), and being LIED to.

joint accounts only lets you have one debit card per owner even if you have multiple checking accounts. This is the most ridiculous thing ever. I have never heard of anything like that. Each checking account I've opened has never been this way.

BE CAREFUL! Capital One made one of our checking accounts "unavailable". When I called to find out what was wrong, they said everything was fine but they needed to speak with my husband (who is the 2ndary account holder). He called and they did NOT accept his identity verification - he even sent them a picture of his ID! They told him he would have to drive 40 minutes to the nearest store to have his ID verified! He offered every piece of information they asked but they STILL said he had to drive to a store. This feels like holding accounts HOSTAGE and we were furious. I am the primary account holder but they did not care about that. Who can take off 40 minutes one way to present an ID when they verified everything correctly on the phone? All this for an account that was established ONLINE. Infuriating!

As soon as we get it resolved, we will be closing our accounts. It feels like they are holding onto money for some reason and putting up random obstacles for account holders. Maybe they are going south? RUN!

I liked 360 banking in the beginning, but realized it is more of a headache than anything. Customer service is terrible. No branches to go to if I need to cash a check, or need to withdraw funds from savings, which Capitol One does not allow(via ATM). They sometimes will put a hold on mobile check deposits, and not knowing if they will every time is a HUGE inconvenience. Way too many inconveniences. I will be closing my account and finding a bank where I can actually go into and they provide more.