I have one online high-yield savings account I am happy with already, and this is about my second account.... This review is my attempt to be factual and fair about my initial experience with opening my second online bank account, a CapitalOne 360 Performance Savings Account, on 08 November 2023. This review is painfully detailed because this is the type of review I would want to read.... The initial web-based setup was very easy. I took a screen shot of each step in the process. I transferred $100 to my main bank during the setup process on 08 November 2023. My website account dashboard showed everything except my full account number. I am a records-person, so I am glad I took a screen shot during setup so I had full account number. However, it does not appear full number is necessary to access services with the bank because I did not need full account number to talk with a representative....as described below. One day later, 09 November 2023, I received an email that I had to verify my identity with uploading images of an ID. The explanation did not state verification was required because I was a new customer. It stated I had unusual activity. I emailed abuse@capitalone.com to report just in case. I received the standard "we got your report email" later that day... So far so good. Considering Friday, 10 November was a Federal Holiday, I called later, Monday, 13 November, to check on customer service in general and about the need to upload ID. At first I got the voicemails, OK stay calm.... But very quickly I found a human being, Marvin. He was very helpful. He explained it was typical policy to ask for ID from new customers. They may open other types of accounts, such as credit card. He also spent the time to check whether I could email a scan of my ID, rather than use my smart phone. Answer was no. Which was OK because he checked. It took me three times to adjust my Galaxy S20 Ultra 5G (not a cheap phone) camera to get images the CaptialOne third party image processing company could accept. So probably user error with too much technology on my part. At this point, I am very pleased with CaptialOne as an online banking service that pays fair market interest rate. Hope this helps others! I hope I can send a followup email that all went well with ID. I can't withdraw money until this is cleared up. Update as promised. I successfully transferred $50 of my $100 initial deposit into Captial One by ACH external transfer back to my primary bank account (not a Capital One Bank Account). I requested the transfer from Capital One to my primary bank account on 16 November 2023. Capital One posted the transfer request on Friday, 17 November 2023. My primary bank account showed the $50 transfer deposit as "pending" on Monday, 20 November 2023. Today, Tuesday, 21 November 2023, I have the $50 transfer deposit available in my primary bank account. I do not see any fees charged to me for this transfer. For the interest rate Capital One offers, I am very satisfied with the 4-bank-day processing time required for this transfer. Hope this helps others. I will now put more money into the Capital One account. I am not rich, but I have a few thousand dollars of emergency savings I wish put in a bank to earn some basic interest with that I can retrieve within a week or so.

Happy New Year! My name is Michael Welch from San Antonio. I took out a 25k loan (9575 for the dentist and 15,000 for the dentures) about two years ago. I missed out on my payments because I lost my job and my credit score drop drastically. This affected my dream of purchasing a house for my family. I’ve got a better job, paid off the debt but the negative remarks remained. All my applications for a home loan fell through, until a realtor recommended JERRYLINK CREDIT GROUP. I contacted Mr. Jerry, he was responsive, and gave detailed information. After careful deliberation with my family, I offered him the job and I’m glad I did. They erased all the negative items and my score went up by 129 points. I have achieved my dream of becoming a home owner thanks to Mr. Jerry and his team. I’m recommending his services as promised; you can reach out to them via: JERRYLINKGROUP at GMAIL dot COM, thank me later.

I love having my credit card and checking account at the same place however with not being able to go into a branch to get a new card you wait forever for a new card. I had someone try and use my account and they sent me out a new card it took over 2 weeks for me to get it because they didn’t expedite it and it got lost and then they had to send a new one and they cannot overnight one. I couldn’t go people don’t take checks anymore so I couldn’t go grocery shopping I had to rely on family to use their card and I pay them back. Some people don’t have that option. They need a better way to get cards not just have locations that are basically coffee shops.