Capital One Checking Accounts

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!

I opened my capitalone personal account in 2013 I have 4 credit cards with them and 3 bank accounts. Last month I attempted to deposit a check into my account. it didn't go through. I called they told me my account was compromised. And they suspended my accounts for 3 days. I can deposit but not withdraw for 3 days. They will close the current accounts and open new ones and transfer the balance over. I will be able to access my accounts after 3 days. More than 3 weeks passed and the accounts are still on hold. I have scheduled bills that were declined and accrued fees. I called to see what is going on. They told me they can't open a new account for me I have to do it myself and it needs to be in the branch because my account was compromised. I told them I had never seen any capitalone branch. I live in Georgia. There are no capitalone branches here. She told me I can go to ATM and call to withdraw my fund. But I can't open a business account online. In the end, they opened a new personal account online and allow me to transfer my balance to it. I'm not happy about the treatment. I will close all my bank accounts with capitalone. After that experience and will not recommend it to anybody.

I’ve been with Capital One for I guess 15 years and I have never ever heard of holding a check for six days that’s $1500 and I have overdraft protection and I called them today and let them know that they would have a deposit today still not accepting the check And clearing the check for 6X days I can understand if it was $5000 or $10,000 but $1500 drawn on a company check I guess it’s time to move on to Chase or should’ve been in the first place like they care about their customers because of this, I can’t buy groceries for the family I guess I’m supposed to know what to do with the check I should’ve known better. All I can tell you is if you’re wanting to get a great BANK this is not it !!!you now have to go digital so you have to make your deposits if you make a cash deposit you make it at CVS Pharmacy I’m assuming capital one is going out of business they have closed every branch around me sitting empty . So they hold your money Truth I’m upset I forgot to cash the check first at chase bank where I will be going after this gets resolved . I will be putting this out there till it has cleared everyday maybe twice a day. …

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.

I was with capital one since 2015 and I closed them in 2022, CVS pharmacy cash deposit stopped working and they never able to fix the concern, mobile app locked me out and stopped working, I wasn't able to log in on the computer either, Customer service wasn't helpful. I Closed their checking and savings accounts after constant frustrations. I will be taking my business somewhere else

Capital One is not reliable. When making mobile deposits they will hold funds for up to a week changing the date as they want. When my account closed, I was told multiple times it would be sent to my associated external checking within days. But of course they sent a check instead and they are not sure what happened with their miscommuniation. So now I wait a couple weeks for my money. Capital One 360 Bank will treat you like a number and drive you mad with their unpredictable behavior.

Capital one is the only bank notorious for “Bait-and-switch” tactics. I was offered $250 reward to open a checking account and up to $500 rewards to invite friends to open lines of credit cards. I have fully complied with both, and no rewards have been received. Don’t pay attention to offers from capital one.

My husband died in July. I've gone into Capital One 5 times to get help with online banking and spent many hours setting it up and trying to use it at home. I had to transfer every transaction one at a time from my husband's profile to my own--representing hours of work. The new entries required info. I didn't have, like zip codes and company phone numbers. I couldn't enter a Triple A account because it wouldn't accept my membership as being in the region I live in--I gave up and will pay by credit card in the future. I used my own zip code and common phone numbers for related payees (same company, different division) for some entries so I could add them to my new profile without wasting any more time. Then I went to the bank to get help in correcting the shared zip codes and phone numbers and they told me the zips and phone numbers are put in automatically. Then why torture me with having to enter them online manually?
The people at the Falls Grove branch try to help, but something always gets missed. A couple of weeks ago, the online banking page stopped working altogether—no page format or links—so I had to go into the bank again. They showed me how to use my profile in Chrome, where it does work. Yet, mysteriously, my husband's profile still worked in Edge.
Now I don't know what's paid automatically because, while they told me they would leave my husband's profile alone for a while, they deleted it without warning. I went to log into his account because my profile is missing a payee I know should be there but must have been overlooked in the transfer, but I can't get the information I need because when I log on with my husband’s profile, I get the message "You don't have any accounts available to service online at this time." I hope they'll be able to give me the missing payee information from their records so I can add it to my new profile without going through the added legwork of recollecting the old information.
I also wonder why it took 5 visits, and now 6, to understand how to create and to be able to use the new profile and why it suddenly stopped working on Edge so that I had to switch to Chrome. I know these transactions aren’t trivial to set up—my hats off to the programmers—but they’ve had plenty of time to refine the process and make things easier for their customers.
My son is going through a separate process of giving me access to his accounts since only my husband’s name was on his account until now—Capital One allowed only one parent to have access to a child’s account when we opened it. To change who has access, they don’t let us just switch one name for another; we have to remove my husband’s name from the account, wait a week or so, and then add me to his account. I don’t understand why this complicated process can’t be simplified to removing one name and adding another in one step or only one visit.
Forget the online instructions. Once I got a link for them, I found them very unhelpful--left too many questions unanswered.

Currently getting ripped off by capital 1. I called and spoke to two representatives and one was a supervisor. Never respectfully looked into my issue, they just made a broad assumption in favor of the company of course. Could not give me a clean answer to my issue so it was full of "I dont knows" "hold ons" and "Let me thinks"
The problem was I was down to my last $6.85 in available funds. had a $16 amazon pending charge for a few days already. thats it. amazon has been reflected in the current bal. not the avail.
So anyway i spent $5.30 bringing my bal. to $1.55 and i zelled myself a $20.00.
Go figure this brings my available balance to $1.55 and my current up $22.85, which means the$20 I just added to my account according to Cust service. was used for a two pending transactions, The one for $5.30 which was actually deducted from my available cash, and the pending amazon which was also previously moved from avail balance to current balance.
CAP 1, literally changed my current balance and my pending balance to match this 20 i just deposited and is basically about to charge me 2 times for a $5.30 i spent.
The con was to move my funds from available balance to current balance all the while charging for a pending hold.
when cap 1 makes a deduction, they deduct asap. Thats why you have two balances in the first place. they basically fiddled with both of my balances and lied about it. Youd think the bank would do better, because they look like thieves now, or have the worst customer service. either way. id be skeptic.