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Old 06-17-2011, 12:32 PM   #21
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I only have a Cap One online savings account, so I don't have personal experience with their branch banking. That said, branch banking is something they came into in the last several years viathe acquisitions of several different banks, so I would not be surprised at some issues in transitions. But I bet its not as bad as TD buying Commerce Bank. They had two weekends where they could not find many customers' balances, hit thousands of people with erroneous overdraft charges, etc.
My bank is one of those acquired by Capital One, and at first I was very distressed due to stories I had heard about their credit card practices. I don't have a credit card but was concerned about the acquisition of my bank and the fact that in my view they were jerks and slimeballs.

However, after several years the only difference that I can detect other than the name change is that Capital One removed fees that my old bank charged. They kept on the same personnel that worked there before at the bricks-and-mortar branches. Transition was absolutely seamless AFAIK.
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Old 06-17-2011, 07:33 PM   #22
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I've had a Capital One Direct savings account for over a year. Money goes in, money comes out, interest is paid. Never a problem.
+1. No problems here either.
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Old 06-17-2011, 09:38 PM   #23
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I have an INGDirect Savings and Orange checking account. Love their bill pay service and their online interface. Easy to use and you can have multiple accounts with different goals/expenses labeled. I hope the new deal doesn't mess any of that up.
I opened an account at ALLY to possibly move my bill pay over (since they are paying 2X the interest rate) but their online interface is not nearly as nice.
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Old 06-17-2011, 10:53 PM   #24
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Wow, there seems to be mixed experiences with Capital One. I have an Ing savings account which has been a good experience so far. I will be keeping a close watch on what happens with the sale to C1 and consider moving my $$ if I experience any problems.
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Old 06-18-2011, 05:44 PM   #25
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We closed our Cap One credit card after one too many times of them refusing transactions when we were out of the country. You have to call and notify them if you are leaving the country and want to use the card. We travel a lot (business and pleasure) and found this annoying. Even if we were in Canada. Once you left the country, you can't have them approve it. They were rude about it.
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