Capital One CC and Capital One Bank (360) are completely different creatures, with a shared web interface. I've accumulated a bunch of experience with the major online banks, for my personal use as well as settling an estate. My "main account" is at Ally, but due to the possibilities of account lockout I still have accounts at all three in addition to a local CU (for cash withdrawals, notary/medallion stamps).
Discover customer service is fantastic, with friendly interactive humans. I feel bad that Discover is not my main bank - I was going that way until a binding arbitration clause (with unreasonably short opt-out period) derailed the relationship. Ally is adequate, with the "standard" humans emulating robots relying on a case system. They will promise to call/email you back but never will, so you have to poll. Capital One 360 is at or below Ally - I had a poor experience with them settling an IRA, but they're ending their IRA business so who knows.
Unfortunately the Discover web / app is the worst of the three (although they support OFX Direct Connect last time I checked). Ally and Cap1 are nice (although there are some things you cannot do through the Cap1 web interface until you find a hidden link to the old web interface, which is still partially active). One standout feature of Cap1 is that you can open a reasonable line of credit for overdraft protection, if you don't generally have enough cash sitting around in an adjacent savings account.
P.S. I tried Alliant CU but was not impressed by their web interface or the hoops required to login to the app. Customer service seemed okay. Maybe in a different life.
P.P.S. Ally Invest is a completely separate creature from Ally Bank. I've had two different horrendous experiences with Ally Invest, and urge everyone to steer clear. The reps sound like they know what they're talking about (holdovers from TradeKing I presume), but are completely disconnected from the back office's procedures or activities.
Discover customer service is fantastic, with friendly interactive humans. I feel bad that Discover is not my main bank - I was going that way until a binding arbitration clause (with unreasonably short opt-out period) derailed the relationship. Ally is adequate, with the "standard" humans emulating robots relying on a case system. They will promise to call/email you back but never will, so you have to poll. Capital One 360 is at or below Ally - I had a poor experience with them settling an IRA, but they're ending their IRA business so who knows.
Unfortunately the Discover web / app is the worst of the three (although they support OFX Direct Connect last time I checked). Ally and Cap1 are nice (although there are some things you cannot do through the Cap1 web interface until you find a hidden link to the old web interface, which is still partially active). One standout feature of Cap1 is that you can open a reasonable line of credit for overdraft protection, if you don't generally have enough cash sitting around in an adjacent savings account.
P.S. I tried Alliant CU but was not impressed by their web interface or the hoops required to login to the app. Customer service seemed okay. Maybe in a different life.
P.P.S. Ally Invest is a completely separate creature from Ally Bank. I've had two different horrendous experiences with Ally Invest, and urge everyone to steer clear. The reps sound like they know what they're talking about (holdovers from TradeKing I presume), but are completely disconnected from the back office's procedures or activities.