Capital One 360 Checking Reviews

Summary of a Reddit post

Two outgoing transfers sent in mid-May had still not arrived days later, leaving the account negative. A rep said Zelle takes 2-3 days, and a supervisor had to request ACH tracking numbers, so nobody could say where the funds were.

Summary of a Reddit comment

For weeks before the outage their bill payments took more than three days to leave the account, and a bill was then wrongly flagged as unfunded. They are switching banks.

Summary of a Reddit comment

Their delayed direct deposit finally arrived during the outage but appeared to be dated back to the previous day. They want a late fee covered and plan to change banks.

Summary of a Reddit comment

Their paycheck deposit was a day late during the outage. They waited over an hour in the phone queue, got no answer on timing, and were only told late fees would be compensated.

Summary of a Reddit comment

During the outage, their car payment and three other autopay bills bounced because the deposit did not arrive. They say they are done with the bank.

Summary of a Reddit comment

They were not paid on time during the outage while coworkers at other banks were, and they say the bank lacked a backup plan. They are going back to Chase and leaving the checking account.

Summary of a Reddit comment

Their pay was more than two days late. After an hour on hold, a condescending representative only read out the emailed notice, told them not to call again and hung up. They plan to close all their accounts.

Summary of a Reddit post

During the outage, their direct deposit to the 360 Checking account had not arrived by the day it was due, and they asked whether others had the same problem.