But the technology is not totally foolproof. If you want to make a deposit instead of filling out a note and handing over the entire kit and caboodle to a banker, you can use your mobile phone to take pictures of the front and back of your check. In fact, I`ve struggled to put the focal length and lighting where Capital One 360 wants it, so I find that modern comfort a bit frustrating. I have capital 1 and it was good until now. It takes you 6 weeks to verify your phone number, so never change it. And the only way to close your account is what an after-sales manager told me. really don`t give an F on their customers. And your money is not East Yo Access if your phone number is verified for a month and a half. I have been an account holder for about 2 years and I close my account because there is nothing that no one wants to do for the client. Don`t trust them! His BS.
Since 2009, we have been customers of Cap One 360. Originally, it was an ING account. Before, we were at Wachovia. My company had an agreement with Wachovia that we would have free verification and use of ATMs (at most ATMs). Then the financial crisis hit. Wells will buy Wachovia. All of a sudden, I get a bill that has over $60 in different fees. I call to complain, and I am told that I was an S-14, but I am now a G-18. Uh, what? In short, I go up the line and after spending too much time, I receive the cancelled fees. Capital One`s 360 performance savings accounts pay 1.50% interest. And then again, there is no monthly fee and no minimum needed to open or maintain an account. This account will pay 0.55% if you meet these conditions.
Heavy or not, it is the banking sector that is at the heart of Capital One 360. Among the bank`s personal banking offers are current and savings accounts, as well as certificates of deposit (CDs). The only thing that keeps my score of a perfect 10 is the interest rates compared to others. 9.5 out of 10. In just a few years, Capital One 360 has become a major player in banking. Most of its business is done online and through its mobile app. Capital One 360`s current and savings accounts can be opened and maintained for free and do not require minimum credit. Although interest rates are higher than at many local banks, “interest rate junkies” might prefer to look elsewhere, as other online banks offer more competitive APYs. Here`s what attracted me to Capital One 360: The bank doesn`t charge a dime when it comes to using your debit card overseas. And you don`t even need to call the bank to tell them you`re going to go around the world. But what makes the Capital One 360 accounts really attractive is the fact that they are free. That`s right – Capital One doesn`t charge for 360 current accounts.
The bank will even deposit your first checkbook for free….