Former C1 employee: I would give Capital One another shot. Their tech and apps are best in class and and built in-house. They also contribute to the open source community (or did).
I beg to differ. Notifications for transactions stopped working. As I always do when things like this happen, I went to twitter and tweeted at them. They claim it works, yet replies on twitter beg to differ. They support people point me to a document that shows UI elements which have been removed.
Still broken. Still no word from them.
And there's the issue about financial software. A couple of years ago they stopped supporting what Moneydance uses. Basically, Cap One only supports Quicken. I would rather cut off my nose than use Quicken. I moved all my accounts to other banks after Moneydance stopped working. Problem is, my SO still has accounts there and the notification issue is a real problem, as she was not notified of fraudulent transactions due to their new bug.
I have been really frustrated with C1 not integrating with youneedabudget and Plaid-backed tools for quite a while now and intend to close my C1 credit account as a result. i know it's "as simple" as logging in to C1 and finding the transaction download tool but golly what a waste of effort.
I get an email for every debit transaction on my account. I've had to update my inbox filters a couple time because they change the email they send it from, but it's been pretty reliable ever since I set it up maybe three or four years ago.
That's seems like a customer support issue and not software related but it's definitely frustrating. I use YNAB and their integration with C1 has been great so maybe push on Moneydance as to why that integration is no longer an option.
The website has a page changing the notification settings. It used to be there. It's not anymore. Their own documentation says it should be there. I've looked in the not very many places it could be. It's no where to be found.
I second this. I was an ING Direct customer who was rolled into a C1 360 account and it's honestly been great. It's just a consistently hassle-free experience. TBH, I mostly use a combination of Fidelity + Merrill Edge these days due to my particular cashflow management setup, but I keep my C1 360 account open for use every now and then. It's night and day between C1 360 and Chase, BofA, etc.
I've been really pleased with Capital One overall. The only thing that I wish could be resolved is that it can't be synced with You Need a Budget automatically.
If that syncing is done through Plaid (or maybe even if not), it might be fixed now. I use a similar product, Lunch Money, and syncing didn't work for a long time but within the past month it became possible.
It was indeed plaid, Capital One was doing some kind of BS blocking that was preventing any app that uses Plaid from being able to sync data from there.
How do I close old savings accounts in Capital One 360?
I used to have my savings split between several buckets, and now I just keep it all in one savings account, but I have four savings accounts with $0 in them because near as I can tell you aren't allowed to close them.
You have to call them. It's the only way to close an old savings account in Capital One 360. It was relatively painless when I had to close my 4 buckets.
I want to be okay with Capital One, but the day I tried signing up for an account (a few years back), their entire application for applying (their application application) had a meltdown and their app crashed, etc, etc.
And then I thought, hmm, glad this happened before I had opened an account.
Capital One customer here! This is interesting to hear. Capital One's website is easily one of, if not the most annoying bank website I've engaged with in memory, inclusive of behemoths like BofA, regional banks, and a local credit union.
I was worried when ING Direct was bought by Capital One, but they never introduced any bullshit fees and seriously improved the app and website. So I've remained happy with them.
