I almost forget I even have it until I get my statement. Prior to the market crashing, it had some of the highest interest rates around. I can do everything from the app if I want! The website is very easy to navigate, the menu and tabs are very user friendly. I have spoken to customer service and never had a problem. Here's why I like it: 1. I used ING DIRECT before it was taken over by Capital One 360, so my review is for that time period only. Representatives are always friendly, and are able to answer any of my questions in detail. I know that I can contact a service representative online anytime. I am also able to transfer money into the account from other bank accounts with ease. I'll stick to my traditional bank for that. Thank goodness, I emptied this bank and GS Bank long ago. https://home.capitalone360.com/referafriend?save=ZP2dn5yo1F I was able to open a checking account with no Min. As long as I have access to WiFi I can check my account balance any time. Deposits are fast just like everything else about service. With the success so far I would definitely consider other products that might be offered and also recommend to others their products. They deposited the money, I reported how much the deposits were, but the $1000 wasn't transferred right away. Its super easy to sign up, they don't ask you a million questions. Their online banking is great, their apps are great. Again, this is not as issue for me. My deposits to my account tend to be deposited right away. It was free and it's Capital One, they have been around for years, so I felt pretty secure about that. I started looking into online banking. The transaction fees, coupled with low to no ATM fees, makes this account affordable. I often had to take pictures of my checks multiple times in order to deposit them. One thing I do not like about Capital One 360 is their customer service. The office brank managers are the best. I really like working with CO360 and plan to keep my accounts there for as long as they continue their great service. I have had a checking account with Capital One 360 for over 2 years now. My experience with customer service was fine but nothing exceptional. I do wish they would fix this. Their interest rates, while not the highest among online banks, are decent and better than traditional brick and mortar banking institutions. Deposit checks by taking a picture with your phone. My savings bonus was deposited almost instantly after they confirmed my $250 opening deposit. The online checking account does not have any fees associated with it and appears to be easy to setup and use. We live a in rural area and do not get to town often. There are no fees associated with the account and it even draws interest, although in my case very little, which I also like very much. I can transfer money back and forth without ever going to the bank! Accounts can be opened in a parent’s name or both the parent and child’s names. I started banking with IngDirect back in 2011. About a week later I had my debit card, some days after that I got checks. Fees are minimal and appropriate. 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. We have been very happy here! Awful experience. In my experience with regular banks, I had a lot of trouble finding my account number. 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 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. I decided on Capital 360 because I had heard from several friends that they were a good place to start. 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..). We never had customer service issues. I highly recommend Capital One 360 as an online banking service. CO360 offers high interest rates for both checking and savings accounts and they don't charge monthly fees, which is awesome. 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. At first they were just an add on bank, that I used for my online transactions and supplemented my brick and mortar other bank. We were able to request new cards, due to some confusion. But...the bank has exceeded my expectations. I finally decided to try online banking and because I've dealt with Capital One before,I decided to try them. So Now I use capital one for all my checking, savings, direct deposits, etc. The bank was very responsive, the CSRs were all native English speakers, the rates were competitive, especially for CDs. I was panicked especially since they had all my information and banking accounts information. I can transfer monies through my paypal account and other payment accounts directly to my Capitol One account. I had great plans of using the accounts for savings for my kids but it became too much of a hassle. I have filed a complaint against the bank with the Federal Reserve. If you are looking for a bank that is easy, quick, and hassle free, this is the bank for you. Several years ago I had heard about online banking and thought that this might be something that would fit my needs. The good about Capital One 360 would mostly likely to be the fees. It was easy to set up the account online and complete all the necessary verification. 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. i am extremely satisfied with Capital One. and its agents, processors, affiliates, representatives, successors, and assignees. Since I'd had such a great experience with savings, I looked into Capital One 360. Both are very easy and to the point to use. I'm satisfied, and anyone else who used the service would be too. Overall, I am very pleased with the bank, and intend to keep my account open. I don't believe there is even a minimum you have to maintain in the account. But the real deal breaker is that you cannot designate beneficiaries on the 360 Money Market account. I can pay bill online. It is more of a semi-liquid account due to the transfer delay. I opened the account on November 25, 2019, with the bonus code of SAVE1000, and deposit $25,000 on November 27,2019. The app works well for depositing checks. They continue to get better the longer I have been with them. At a time when I was low on funds and needed an account without any fees or minimum balances this bank account was ideal! So I'm screwed. There is no minimum opening deposit requirement and no minimum balance to maintain. Back in 2014 they merged with Capital One and became Capital One 360. Learn More. 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 didn't have high expectations because the bank is completely online and I wasn't sure how deposits and such would work. 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. Having transactions take half the week to clear can be kind of a pain when there is a large number of transactions. With other bank's apps, it is next to impossible for me to create images that are accepted for mobile deposits. If you make deposits to your Capital One 360 account you are in danger of losing your money. My quest for an emergency account led me to ING, now Capital One Bank. It is also awesome bank account for my teenage kids. Everyone who works there is easy going and polite. Spoke to rep, worhtless. The card can be used pretty much anywhere Mastercard is accepted and is used internationally as well. I have been able to easily attach different accounts and I also have a debit card that I have used. 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. CapitalOne 360 will take your request and mail a check on your behalf, which is much easier than paying for your checks every year. I have also been very pleased with the customer service offered. I called them over 20 times during the first 2 weeks. They cannot send texts to foreign numbers (e.g., to activate an account, confirm a log in, etc.). 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). 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??? Originally, I began banking online with a company called ING Direct in 2006. Google App doesn't work. Opened a CD account for 500k. I was worried when the bank was initially aquired by Capital One but service has greatly improved in that time. Avoid this bank like the plague or you will regret it ! The rates are good, but my trust and confidence is shot. Everything is at the convenience of a computer. 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. I bank with Capital One online. If they would lock the rate for you before the hold period it might not seem as bad. Closed my primary bank account without my knowledge. My account balance is $0. Their customer service is absolutely outstanding. Customer service is excellent. With competitive rates on saving and checking, and the great app, you can't go wrong with Capital One 360! Bank should be honest and transparent. VEry shady bad way todo business with people unfortunate what happened to capital one 360 please avoid. Also...I found a bank that doesn’t want money by making it very difficult for the consumer to give it to them. I like the ability to create multiple accounts to help keep funds separated for different purposes. As the wedding date drew near and we had to pay the various wedding contracts (flowers, caterer, photographer), we had to plan it for the extra 2-3 days to get the money transferred into our account. The website is extremely easy to use, and the app is good, too, except they occasionally have buggy things happening. I do have a local bank where I have my 360 account linked so I can transfer money easily. Capital One IRA CDs come with tax benefits. My bank balance is always accurate and my transactions post immediately. I have been using Capital One bank's IRA and investing tools to prepare for retirement for over 15 years. Especially since everything was so great otherwise. I can deposit checks, transfer money, and check balances anywhere. Other banks have too may options and it takes forever for me to find just simple things like sending them an email. 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. Customers can choose how they receive interest disbursements—monthly, annually or at the end of the term. The fees are minimal compared to brick and mortar places near me. They have great deals, and very low fees. I love their mobile app and the ability to cash a check just by taking a picture of it. 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. That is bad banking - completely untrustworthy. They need more ATMS, because there are none around me where I live. The APY on the checking account is 0.2% which is more than my local bank savings. I opened it up online and do all my transactions online. I waited more than 2 weeks, still the same problem. The app I use on my iphone was simple to install and is very user friendly. If you don't live next to your bank's ATM then this might be an issue for some. I really don't intend on leaving anytime soon. I use capital one 360 for all of my savings needs. When I started using this on-line banking, the company was called INGDirect. Signing up for this bank account, to start, was very easy. The test transactions never went through to my external bank for funding. I have been with Capital One since the ING days. 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. They would make two small deposits and I was supposed to report how much those deposits were. I then decided to add a mutual fund for my grandson, as well as a CD. My husband and I opened a checking account with them because of the bonus and low fees they were willing to offer. Of course I know they do it for security reasons, but I had a pressing financial financial need and of course the check cleared. Very Very disappointed fortunately I had US currency to exchange in the Philippines and Japan but that defeated the purpose of getting the 360 Account. I have had a Capital One 360 saving account for over 15 years I started it back when it was ING. INGDirect had higher savings rates because they did not have a lot of overhead. (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, I can keep my Christmas money separate from my money I am savings for taxes and so forth. It was a really great experience. Transferring from one CapitalOne360 account to another is also simple and fast. 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. The strengths about this internet bank include: user friendly website and mobile application, excellent customer service, and low fees when overdrafting account. CapitalOne 360 allows you to manage your finances easily and from anywhere. 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. This feature is a big plus. The rates during ING Direct days were very competitive but since Capital One bought them out it's been going downhill, granted it's the fed rate lowering it's rates. And my personal checking is interest-bearing! 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. After too many fees with a large, corner-store style chain bank, I decided to try online only banking with Capital One. 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. My experience of banking with Capital One 360 has been great. I've been pretty happy with them. Eno assists customers by providing alerts and account insights. The bank had changed ownership, but the rules don't mysteriously change for the banking. I moved from a regular bank to an online bank initially because it offered higher interest rates on savings accounts than traditional banks. I've never had an issue with them. 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