re: Capital One customer support. I ain't even mad. I'm actually impressed at the absurdity.

Even my tiny local credit union has mobile check depositing, and the same guy from down the street handles all loans etc. frick a big bank.

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There is no need for a bank with physical branches either.

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bullshite. I prefer to do some transactions in person. And again, if I’m gonna withdraw a large sum of cash, I want to do it at a bank. Not an ATM.

You sound like the perfect Cap One customer with this shite.

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 There is no need for a bank with physical branches either

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So there are now virtual safe deposit boxes now??

Capital One is an incredibly bad bank. It’s like they try to figure out ways to be bad. They go out of their way to hassles customers.
I switched to Chase they have an incredible online banking system.

Chase Bank once refused to speak to me about a car loan. Said they could only speak to my wife. Even though we were Co-borrowers and we were both on the call on speakerphone.

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Bank local if you can.

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I am, my wife and I finally joined our separate accounts into one with Hancock/Whitney. The only reason I was banking with Capital One was because they bought out Hibernia Bank who I had an account with since the early 90's..

Screw 'em, not anymore...

I moved all accounts to my local credit union years ago. The benefits are insane ($400-600 in dividends every year), the customer service is peerless, there's a branch 2 minutes from my house, their online/mobile banking meets all my needs.

Purely my opinion, but unless you have a business account or do a lot of international travel, you'd have to be an idiot to bank with a big national chain.

I spent 2 + hours resolving Capital One mistakes this week. Where do I go to get that time back ?

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People will disagree and throw a bit of fit...but of all the national banks, the best is Chase by a long shot. Now if you’re broke and constantly dealing with fees, I hear they’re terrible.

The access and mobile platforms from Chase make it a far superior bank experience than anything I’ve ran across recently.

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Their app is excellent but do not use them for anything other than simple banking or credit cards. Their mortgages are shady as hell: you can pay extra towards the principle but they won’t actually apply it, they will only keep the extra on file to apply towards future principle payments when they come due so the amortization table and payment schedule never change.

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Their app is excellent but do not use them for anything other than simple banking or credit cards. Their mortgages are shady as hell: you can pay extra towards the principle but they won’t actually apply it, they will only keep the extra on file to apply towards future principle payments when they come due so the amortization table and payment schedule never change.

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Citation?

Because considering this is on their website, that would be grounds for a class action lawsuit: LINK

ETA: And this is the language from the calculator on my actual, signed in, mortgage page:

"This amortization estimator is a planning tool only. It lets you see how you could reduce the length of your original loan amortization schedule by making additional payments toward your principal. You can try out a one-time additional payment to your principal, calculate a fixed additional monthly payment to your principal or both."