Rising Bankâs mobile banking app includes staples, such as mobile deposit capture. I haven't had any fees with them. Thanks! I have a checking and savings account with them. Now Capital one I seem to be a yearly thing now dealing with rude and nosie customer service. VEry shady bad way todo business with people unfortunate what happened to capital one 360 please avoid. It really comes in handy when I am somewhere and need to transfer money from one account to another in a hurry. The website is very easy to use to transfer money, upload a check, or check your balance. 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 was drawn to their service because of a very high interest rate on savings accounts (somewhere around 5-6% at the time). Any questions I've ever had have been quickly and thoroughly answered. ING was a very good bank with great customer service. The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. They offer free ATM services at certain network linked ATM machines. I started using CapitalOne 360 when it was originally ING Direct. I transferred the rest of my money to a different bank right away. Nice short term loan for Capital One. It is not possible for me to make cash deposits to the account. I can access my account on my computer or phone. I'm used to the transfer process and haven't made the leap. 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. So I have to wait for the email (Or text --that's another option) enter the code and then proceed to my deposit. They also are very quick to reply. I expected to lose many functions and expected tighter policies - but they didn't come. Unemploymentâ âBenefitsâ âBoostâ Calculator, 6 Months In: How Banks And Bankers Are Responding To Covid-19, How To Protect Your Online Banking Information, Funds Availability And Your Bank Account: What You Need To Know. Once again, making the switch was simple and I'm very happy with my new checking account! I was delighted when I heard there would be no fees and no minimum balances that I would have to maintain. I was looking for a bank account to transfer funds from my freelance work earnings and use a debit card. Fees are so very fair and reasonable. There are also convenient ATM's that I can use (without being charged an ATM fee) if I need to withdraw money. I don't yet consider them wholly on par with a brick-and-mortar bank as of yet. The Forbes Advisor editorial team is independent and objective. I only held savings accounts with them. They maintained this style and brand even after being acquired by Capital One. That right there is why my review is 3 stars. The fee free checking with them is also nice. Mobile deposits are available only in the U.S. and U.S. territories. And, best of all, no fees. 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 loved ING so much, I think I even told a customer service rep once that I would have the bank's babies. When I have had questions about my account, they have always been happy to answer them. They deposited the money, I reported how much the deposits were, but the $1000 wasn't transferred right away. I have never had a problem with this Cap360 and I really appreciate that. I waited more than 2 weeks, still the same problem. I always find their customer service excellence, though their rates are nothing special, and their overall bank is nothing but average. It is an online only checking account. I can also find a local brick and mortar bank or ATM if I need one. If you're looking for a great online bank that won't smack you with high fees, Capital One 360 is for you. I was able to open up myself and my two children bank accounts with the bonuses. All in all though, I've been incredibly pleased and have recommended them to several people. I have been very pleased with the bank. I love the Person2Person payments which allow me to pay other people with just a phone number or email address. Customer Service claimed they were starting an investigation but never got back to me, I had to go back to the bank the following day and track down my money on my own. (Checking) or $25 for Savings click here! Their customer service is great as well and can answer questions quickly. That date hasn't passed yet but I know I will receive the bonus. Capital One is a great banking option for individuals comfortable doing most of their banking online. Setting up direct deposit is very quick. Be wary and very careful here. 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. But now that I know I plan accordingly, and this is just a second account for me so fund availability isn't always urgent. Kids Savings accounts are automatically converted into 360 Savings accounts once a child turns 18 years old. No resolution.Had to call the Attorney General of my state to get my money back. One again, customer service was excellent and helped me resolve all my issues. Setting up external accounts and transfer money amongst said external accounts is painless. Now, since the rates are low, there are almost no benefits of keeping my money there. I do not have experience with their checking accounts and money market accounts but I have looked into opening those types of accounts. You can easily set up other accounts to save money for different life events. They would charge strange fees, like $5 for a small book of checks. Although itâs called a teen checking account, it’s available to any kids eight years old and older. No longer if you do not have a cell phone. 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. I've been banking with them for awhile now. ). It was really easy to create an account and link it to your existing banking accounts. Overall, a great experience. I have had a couple of issues with the mobile app, but nothing major. They promised low fees and higher interest rates than traditional banks. The app works well for depositing checks. It has done wonders for me and Iââ¬â¢m certain it could for anyone else, too. I never had any issues or negative experiences with the 360 account, and I really liked the credit monitoring aspect in the app. I have a Checking and Savings account with Cap360. I love the no overdrawn fees feature with my small overdraft line of credit. There are no fees associated with the account, so I don't have to worry about losing my children's life savings. I had one problem early on and this issue was resolved within minutes on the phone. Capital One caught my eye with a .9% rate on savings, and .2% on checking. Also I feel like the fee structure (which is basically non-existent) is pretty straight forward. They too have great customer service as well. I manage everything through my app or online. I started out before they became Capital One but kept the accounts after the switch. I have been using Capital One 360 online banking for a few years now. Because of these two reasons, I don't do all of my banking with Capital One 360. I have honestly had no issues with them at all! I thought their concept of cafe banks at first was odd, but it's great. Capital One CDs have no minimum opening balances. a checking account about 5 years old and a CD about one year old. Then I deposited a check in the account and the check cleared. Also, they froze my account not letting anything go out, but whats funny is stuff can still go in lol. it is the most easy and convenient way to bank. With direct deposit and the ability to upload checks with pictures from my tablet, I have almost everything I need. (Starting on March 16, 2020, all Capital One Café locations were temporarily closed, out of concerns relating to the Covid-19 crisis. 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 decided to try capital one online banking. CPO 360 is not a bank, it is a division of Capital One NA. Setting up a personal and business checking was simple. The app is great you can transfer money easy between banks and also deposit checks. Another neat feature is the ability to set up a savings plan. If there is one drawback it would be that it can be inconvenient if you need to deposit cash or a check. When we are not working and trying to replace a 3k transmission so my husband can work and we can survive. I asked for a copy of the recordings of our phone conversations, they said no: those are 'privileged.' Plenty of other good banks around, no need for this stress. The mobile check deposit feature in their Android app works great. I've read that you'll incur an overdraft fee in the form of interest, but I've yet to see this. I have found the key is to read the account and bonus rules very carefully and then comply with rules and the timelines. I have created multiple savings accounts, each having different purposes, making it easier to manage my finances. They immediately cancelled my card, and issued me a new card. No FEES at all on either account. The account is completely free. I have to re enter into the app which can get pretty annoying. Website extremely easy to navigate, love the ability to create new accounts in seconds. 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. I love it, because it does not charge me any fees. Had I not had a checking account and savings account already established with a different bank I would consider using the Capital One free checking because there were not a lot of hoops to jump through to get the free checking. Through out all the changes and up till now it's probably been at least 10 years. After some research online I came across capital one 360 and a few others. Capitalone 360 seems to offer everything you could ever want or need in financial products without really having to leave your living room. After speaking with a few people, I was under the impression that CapitalOne360 would be a great start. You can transfer funds from one bank to another and that is very quick. 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. I think that was their way of telling me that I would like the change if I was under 40. I recall 6.25% savings rate. An account comes with a 360 Checking MasterCard debit card and your first checkbook is free. I was able to open multiple savings accounts for free with this online banking system. This is a substantial number for a savings account and I believe only online banks are really offering these kinds of numbers. 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. I opened 3 checking accounts so that I could keep my money separated for budgeting purposes. This is helpful if you have small savings goals like going on a vacation or purchasing a new vehicle. And the second time, I got a lady who wasn't much nicer. I also opened a savings account when they had a promotion and earned a nice bonus that way. 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. 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. When I started using this on-line banking, the company was called INGDirect. When I learned what it was, it ended up being just what I needed. I am most satisfied with my ability to view my purchases online and deposit my checks using checkmate. $(function () { 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. 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. Capital one 360 is a decent overall bank. Another banking option through Capital One is a certificate of deposit, or CD. I would highly recommend using Capital One for cheaper banking. Deposit checks by taking a picture with your phone. Their checking is free and also pays interest. I created a savings account 10 years ago with an online only bank called INGDirect. I couldn't be happier with the customer service department and the very professional help I've received. I have a checking, savings, money market account, and a CD through Capital One 360. It has my primary checking account, I use the online bill payment service to pay all my bills, and it is also the hub I use to route all my ACH transfers. At the time, I had only ever dealt with brick-and-mortar banks but we applied for the CaptialOne360 online savings account and were accepted. While I like their debit card, I need to have checks on hand to pay rent and some other expenses. Recently, I got a call from them saying that there was some unusual activity going on with my account. If you go to an approved ATM there's also no fees there. I banked with IngDirect for several years and they were bought out by Capital One Bank. Customer service took care of me quickly and politely. I can transfer monies through my paypal account and other payment accounts directly to my Capitol One account. Why one shouldn't bank here.....My husband and I opened 3 accounts at the Midway/Alpha branch in Farmers Branch when it first opened. I received a call from Cap360 with a callback number. So I wrote myself a $1000 check. CDs are available with terms ranging from six months to five years. 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