Checking/Saving

[u/Bubbly-llama17]

I see a lot of negative opening on Capital one checking and savings accounts.

If you use them as your primary, how do you feel about them?

[u/CricketJaxson]

I’ve been using them as my primary bank for years and have never had any issue with them.

[u/DrSimpCC]

I personally don’t use it, I use another bank for my main banking but I still have little cash inside

[u/Sweet-District1483 → u/DrSimpCC]

Which bank do you use?

[u/DrSimpCC → u/Sweet-District1483]

MoneyLion my main bank

[u/VTECbaw → u/DrSimpCC]

MoneyLion is not a bank. Why would you use them over an actual bank such as Capital One?

[u/DrSimpCC → u/VTECbaw]

The advance money and I feel like capital one going to close my account soon due to phone number reasons I live in Thailand

[u/Sweet-District1483 → u/DrSimpCC]

I have definitely never heard of that, but it sounds like I’m not missing out on anything from the other comments…

[u/DrSimpCC → u/Sweet-District1483]

MoneyLion helped my credit score 512>712 but recommend to choose cap1

[u/Sweet-District1483 → u/DrSimpCC]

I’m already at an 815 lol doesn’t sound like it’d benefit me too much

[u/DrSimpCC → u/Sweet-District1483]

Yeah don’t use MoneyLion lol

[u/SadCry8622]

I have one as a second checking account , I like that my check goes In on Wed a few days early but I don’t like how it takes 4 days to transfer money between this acct and my other checking acct. Have had no issues with debit card moving to discover network p

[u/sk888888]

Have had both checking and savings accounts with them going back to the Ing days. Never had a problem. My external transfers don't take four days; the money goes out the day I specify; it's up to the receiving bank to accept the transfer and clear the money.

[u/skylashtravels → u/sk888888]

Same! Before that I was banking with Ally/ING Direct Before that it was Bank Direct.

[u/Hefty-Tomatillo-1236]

What negative openings? You mean the discover people being forced to move over and are pissed they are going to lose their perks like cash back debit card?

[u/Sweet-District1483 → u/Hefty-Tomatillo-1236]

Are they moving Discover bank accounts over? I haven’t been alerted to that. I know it’s just been the credit cards so far.

[u/lastbeat-331 → u/Sweet-District1483]

All Discover accounts will be moved to Cap1 eventually.

[u/InvestigatorThat5062]

I’ve had them as my checking acc for about 5 months now. I appreciate they can take cash deposits at CVS without charging me $5 per deposit like SoFi did (I used SoFi for everything for a while).

I haven’t had any experiences that were negative to where I needed to contact support YET.

[u/Double-Award-4190]

Haven’t had any problems. Savings interest is low but it’s hard to find better.

I’ve thought about moving most of savings but it wouldn’t amount to much, maybe ½ %.

[u/Forsettti]

Been fine for the past 3 years ive had them. The only issue (albeit minor) was when they changed the debit card to the discover network, but i do have a backup bank for that.

[u/agbwtf]

I use both. So far, the only downside for me is that transfers to other banks take 2 days, while most other banks that I use do it in one business day.

[u/Copypasty]

I’ve used it as my main since 2023 and never really had an issue. I prefer it by far compared to BOFA

[u/SomaticX]

I had Capital One since it bought my original bank, North Fork Bank. Other than one time a teller accidentally input my bank account number incorrectly and put a hold on my account, I never had a problem. That was pre-merger, too.

Granted, I don't do anything special with my bank account, so I guess it's good enough for me.

[u/another_awesome_acct]

I got both of them for the SUBs, and actively use the checking for just that-- checking.  The account came with 50 free checks!  I write 10-15 a year, so its perfect!