Capital One, National Association Reviews (24)

Rated 2.77 stars out of 5 - based on 13 reviews
  • Dec 5, 2020

    I know rates are variable, at their discretion*, but in the time frame of 9 months their rates have dropped to 1/3 of what they were ! is that what some call a teaser rate in the beginning ???
    Review on the Online bank

  • Sep 2, 2020 | Replies 1

    Opened a 360 Performance Savings account in November 2019 when interest rate was 1.9%. After chipping away at lowering the rate, notice today it is down to 0.65%. I assume there may be many who don't watch their accounts closely and are unaware how the rate has tanked. Looking into other options, seem there are plenty of institutions offering in the 1% range. Doubt my answer to "what's in your wallet?" will be Capitol One for much longer.

    Anthony M | Sep 20, 2020

    YES, KEITH W. I saw that too, but not so bad.
    I moved my money into new 360 IRA Savings@ Capital One [AUGUST 2020] from Bank-of-America. Started as 0.80% APY. I called IRA DEPT [SEPT 2020] (cptl one) {NOW it as you know} = 0.65% APY.
    APY= annual percentage yield
    BUT, THE interest rate INFORMATION FROM #bestcashcow.com/investments, NEVER UPDATES.
    Sep 20, 2020

  • May 14, 2020 |

    Took advantage of their promo rate, input at bankers desk, could have done same at home, not given an account #, never received a card, had to fax to add an beneficiary. Finally closed account, now pennies of interest, did online set up of external account, never sent me a code. Phone menu useless. horrible bank

  • May 14, 2020 |

    Online Savings Rates

    I recently opened an account. Easy process, great interface, great rate. Negative reviews here are dated. This is the best rate around when they are giving any bonuses.
    Review on the Online bank

  • Dec 27, 2019

    Online CDs 12 Month Rates

    Capital One is horrible. They mistake niceness for true customer service. Horrible bank.
    Review on the Online bank

  • Dec 19, 2019

    CDs 12 Month Rates

    Ok CD coming up for renewal let along the rates being so low
    1 customer service and 1 teller at lunch time, go figure how they survive?

  • Dec 19, 2019

    CDs 12 Month Rates

    Ok CD coming up for renewal let along the rates being so low
    1 customer service and 1 teller at lunch time, go figure how they survive?

  • Dec 11, 2019 |

    Online Savings Rates

    Complete BS they are paying 1.5%
    Review on the Online bank

  • Dec 5, 2019

    Online CDs 12 Month Rates

    Strongly recommend! Been a customer since before it was acquired by ING Direct. I've used some other the others. Rates are sometimes better elsewhere, but I've never had a problem here. And in these times when customer service is often a nuisance, getting great service counts for something.
    Review on the Online bank

  • Nov 18, 2019 |

    Savings Rates

    Pretty good I guess. It doubled Margaret’s money in only 40 years :)

  • Jul 14, 2019 |

    I'd been a customer for over 30 years. The interest rate I was earning on around $50,000 in savings seemed low. I checked with other local banks and confirmed it was. I asked a teller if there was an account available to me with a higher APY. I was told no. I found a bank that offered an interest rate three times higher, and opened an account there. Later, when I closed my account at Capital One, I was directed to a bank official who offered to give me a better rate. I told him if they had done that earlier, or had been proactive and offered one without me having to ask, I would have stayed (which I didn't). There were two occasions when a teller put money that was supposed to go into savings into my checking account, When I got my statement and caught the mistake, I was told they couldn't retroactively credit me for the lost interest, which helped me decide to leave.

  • Jul 14, 2019 |

    I'd been a customer for over 30 years. The interest rate I was earning on around $50,000 in savings seemed too low. I checked around with other local banks and confirmed it was. I askd a teller if there was an account available to me with a higher APY. I was told no. I found a bank that offered an interest rate three times higher, and opened an account there. Later, when I closed my account st Capital One, I was directed to a bank official who offered to give me a better rate. I told him if they had done that earlier, or had been proactive and offered one without me asking, I would have stayed, which I didn't. Other than that, I was satisfied.

  • Mar 10, 2019 |

    Sadly this rate only applies to on-line banking, where hackers galore live and lurk.

  • Mar 1, 2018 |

    I live in Philly. I opened this one because I value the recognized name and I like the Capital One Cafe in Rittenhouse Square. Was a little surprised that I couldn't use branches for anything (deposits, notaries). Could be clearer that 360 is completely separate from the branch bank. Overall I am very pleased so far.
    Review on the Online bank

  • Feb 19, 2018

    Sadly, it appears that deficient corporate attitudes and behavior have dissected down through the ranks to make interactions hazardous to your financial well-being. Investor, beware!

  • Feb 6, 2018 | | Replies 1

    Easy to use. Wish the rate were higher.
    Review on the Online bank

    aclient | Dec 15, 2018

    Dec 15 2018
    Mysavingsdirect has a 2.4% savings account.

  • Nov 12, 2017 |

    A recent update to CapitalOne 360 no longer has options in its personal web banking site to create virtual savings accounts for the purposes of tracking goals. Or at least, *I* no longer can see a way to create new goals on the site. Without that feature, I'm considering moving away from that bank since there others listed here with higher interest rates.
    Review on the Online bank

  • Sep 21, 2017 |

    Savings Rates

    They made a mistake on my account and now can not fix it the error the Teller made. Want me to be happy with a paper copy explanation that counter-explains their online error. DO NOT TRUST THIS BANK TO BE ABLE TO FIX THE PROBLEMS THEY CREATE WITH YOUR MONEY AND RECORDS

  • Apr 30, 2017

    Online CDs 60 Month Rates

    They do not have a POD (pay on death) ability... So if your money is invested and you die not sure what happens...
    Review on the Online bank

  • Mar 23, 2017 |

    Online CDs 24 Month Rates

    Good service and rates. Also check saving act's "teaser rates" bonuses!
    Review on the Online bank

  • Sep 7, 2016 |

    Online Checking Rates

    They always CHEAT on the quarterly interest.
    Review on the Online bank

  • May 24, 2016

    Savings 6 Month Rates

    Capital One is the McDonalds of banking. I may get my food there, but ain't trusting them with my cash.

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