I have now used them for several days, and it gets better and better and better. They have every single thing I ever wished for in a bank and then some: Savings with fantastic rates, checking with a perfect bill paying app, easy app for depositing checks, various methods of verification so if for some reason you cannot receive texts or calls you can still get in safely but without spending hours. On top of which, when I called customer service on three different occasions I got someone almost immediately and they extremely pleasantly and efficiently answered my questions. I think I died and went to heaven. WOW!!! Original review: I am ditching Capital One 360 for making my life a living hell over the last month when I tried two very simple tweaks to my account. Searching for banks online, I found I could get a much better return than theirs as well. First Foundation Bank had all the functionalities I wanted, a savings account with a terrific interest rate, a checking account with bill paying, and the ability to operate without a mobile, if so desired. So I decided that it would be worth the lengthy application and approval process described in some reviews. Imagine my surprise when I opened two accounts plus added a joint holder and my church as a beneficiary (the two things I tried to accomplish with Capital One to the point of going insane) in exactly three minutes! WOW!!!! What a joy!

Signing up wasnt too bad. I realize all the identity valudation is necessary but I needed to verify something and was using on line chat. I finally gave up after waiting 50 minutes! While waiting for them I was also on hold on the phone waiting for an agent and the call got disconnected twice!!! I finally got someone on the phone and closed the useless chat. I felt like closing the account right then and there but I was afraid my money would get stuck in limbo that was being transferred from another bank. Better be worth my trouble.

I opened this during Covid, completely online. Yes I did have to submit forms of ID, I had to do a couple extra things to add a beneficiary to the account, etc. Once it is open, I leave it open even if only leaving $100 there. They are very quick to raise rates when Fed moves, and stay competitive. Their online transfers have holds and limits to size, if you originate them on the FFB website. Your initial deposit (which can be very small until you get things set up fully) will take time to have hold released. But once that is done, you can link your account at your other institutions, for example Schwab or any other. Then you are able to push/pull any amount you like in the account, and there are no holds because the money originated from an outside bank and came in as ACH. I rarely use the transfer facility at FFB, I originate everything from other banks. I have moved $100K in and out many times, and I think you can do multiple transfers same day at Schwab if you want to go over $100K. All the complants here are from people who are frustrated with the setup early process and don't have patience to get it all set up before you put any real money in it. Start with $100, realize it may take some effort to get it all organized, THEN start using it. I like it as well as MySavingsDirect which both are very competitive now.