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Capital One Bank Review


ConsumersAdvocate.org Rating: 4.4 / 5 (Excellent)
21 Customer Comments & Reviews - see all comments
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Capital One is a bank that offers consumer banking services, as well as credit cards and commercial banking. Founded in 1988, Capital One has a wide range of personal banking products, including savings accounts, checking accounts, and money market accounts. There are over 700 branches and café locations nationwide.
 
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How is Capital One rated?

Breakdown

4.5/5
Availability/Customer Service
4.0/5
Accounts Performance and Fees
4.5/5
Financial Strength

Overall Rating: 4.4 / 5 (Excellent)

Capital One offers its customers a range of online banking services to fit everyone's needs. From fee-free savings accounts to interest-earning checking accounts, as well as high-interest money market accounts, CDs, and IRAs, every customer will be able to find what they're looking for. Capital One offers cutting-edge online banking services which, paired with the bank's ample experience in the banking world, will give customers the security they need.

Capital One General Banking Services

Availability/Customer Service - 4.5 / 5

Capital One offers consumers various personal banking products, including savings and checking accounts. The 360 Savings account offers 4.15% APY with no minimum balance and minimal fees (an outgoing wire transfer fee and a statement copy charge). Likewise, the 360 Checking account is largely fee-free (save for typical fees for stop payments and bounced checks). Additionally, the checking account earns interest with APYs between 0.20% and 1.00% (depending on the account balance). ATM withdrawals are free on any ATM with this checking account, though customers may be subject to fees from the ATM owner.

Savings Accounts

Savings Account
360 Savings
Savings Account APY (Annual Percentage Yield)
4.15%

Checking Accounts

Checking Account
360 Checking
Checking Account Fees
Check Reorder Fee
Stop Payment Fee
Insufficient Funds Fee
Bounced Check Fee

Additional Services

Cards
Credit Cards
Debit/ATM Cards
Loan Products
Auto Loans
Small Business Loans
Physical Branches
Capital One has over 700 branches and 2,000 branded ATMs. Additionally, Capital One customers can access no-fee Allpoint ATMs.

Other Bank Accounts

CDs
Money Market Accounts
Brokerage Accounts
Retirement Accounts
IRA
Roth IRA
Accounts for Children
Sweep Accounts
Student Accounts
Joint Accounts

Capital One Digital Banking Services

Accounts Performance and Fees - 4 / 5

Capital One has a full-featured mobile app that allows customers to deposit checks by photo, set up bill payments, and transfer funds. Capital One also allows transfers to friends and family through Zelle, as well as Apple Pay, Samsung Pay, and Google Pay. Additionally, there are budgeting tools available online, such as an Automatic Savings Plan and My Savings Goal, to help customers save up a specific amount of money.
Mobile App
Yes
Mobile Features
Photo Check Deposit
Digital Wallet Synching
Transfer Funds
Bill Pay
Online Banking Features
Direct Deposit
Online Bill Pay
Transfer Funds
Resources/Additional Features
Budgeting Tools
Personal Assistance

Capital One Financial Strength and Reputation

Financial Strength - 4.5 / 5

Capital One is one of the largest banks in the US by assets and it holds stable credit ratings from two of the top bond rating agencies in the world. Moody's, however, has rated its financial outlook as "negative," though this is mostly due to the company's expansion of its loan portfolio and not indicative that the company is in any real trouble. As for its reputation with customers, though Capital One is rated A+ by the BBB, a large number of complaints have been lodged with this organization and with the CFPB. Nevertheless, this number is to be expected for a company of Capital One's size.
Year Founded
1988
Standard & Poor's Financial Rating
BBB+
Moody's Financial Rating
A1
Live Help 24/7
No
Customer Support Hours
8am–11pm ET
Contact Methods
Phone
Email
Social Media
BBB Rating
A+
BBB Total Complaints
4936
BBB Resolved Complaints
715
Trustpilot Rating
3.6 out of 10
Consumer Financial Protection Board (CFPB) Complaints
29,997
Date Collected
2018-09-18

Company Profile

Full Name
Capital One Bank
Company Website
https://www.capitalone.com
Headquarters
1680 Capital One Drive, McLean, VA, 22102

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21 Customer Comments & Reviews

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BRANDON A
5/26/2020
I MADE A PAYMENT ON MY CAPITAL ONE BILL ON MAY 11, 2020 THE PAYMENT WASN'T DUE UNTIL MAY 18TH I CALL TO PAY THIS ACCOUNT OUT BECAUSE MY HUSBAND AND I COULD'NT AFFORD TO KEEP THIS BILL WITH WHAT WAS GOING ON WITH HIM BECOMING UNEMPLOYED DUE TO THE CORONAVIRUS, UPON SPEAKING WITH THE PERSON ON THE PHONE (I WOULD NOT CALL HER A CAPITAL ONE REPRESENTATIVE) BECAUSE SHE CLEARLY DID NOT KNOW WHAT SHE WAS DOING... ANYWAY THE PAYMENT WAS RETURNED AND CAPITAL ONE CHARGED ME A $25.00 LATE FEE … THE REASON FOR MY CALL TO CAPITAL ONE WAS TO PAY THIS BILL OUT IF MONEY WAS AVAILABLE I WOULD NOT HAVE CALLED , I CALLED CAPITAL ONE TO ASK THEM TO REVIEW THE ACCOUNT THE CAPITAL ONE REPRESENTATIVE TOLD ME... Read More

Top Rated
  • $0 minimum starting deposit
  • Checking account—earn 1% cash back on up to $3,000/m in debit purchases 
  • No monthly fees
  • Access to 60,000 free ATMs nationwide
  • High-yield money market and CDs
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