ING Direct/Capital One

[lauree1183]

DH and I have used ING Direct for years and are very unhappy with ING now that Capital One is running things.  Basically our transfers are taking nearly twice as long as they were before and we're just not big fans of Capital One in general.  Our main bank is US Bank and we are very happy with them.  The reason we've used ING is because we utilize all of the savings accounts you can have on ING for budgeting purposes and we love that feature.  

If you used ING before Capital One bought it did you switch banks?  Where did you switch to?

TIA ladies!  

[Deleted]

I haven't had any delays with money getting to my main account when I make a transfer. Why is it taking twice as long?
I thought about switching to Amex, but until something bad happens or they change the rules, I probably won't.

[Melissa W.]

Yes! I like the format of ING but since the change the transfers take FOREVER!

[ssmjlm]

I hadn't noticed, but our ING is fed through direct deposits. If it is taking that much longer I'll switch, probably to USAA at this point.

ETA: What has ING said about the delays?  I would probably be asking CS at this point.

[Susie]

Jan 22, 2013 10:15:35 GMT -5 lauree1183 said:

If you used ING before Capital One bought it did you switch banks?  

Nope.

The only thing I have in ING/Capital One is our e-fund, so I don't do anything with it on any kind of regular basis.  Last night I logged in to get our 1099-INT, and it was the first time I logged in, in quite a while.  I haven't really had any reason to change anything.

[patches31709]

I haven't noticed any changes, and we use ING as our primary checking and savings accounts.

[halfpint]

I switched, more because I realized I could get a slightly better rate elsewhere. The Capital One changes just pushed me to look around a bit. I moved to AmEx's online savings, .90% APY with no minimum.

[Deleted]

I haven't noticed any changes, and use their Checking as well as savings accounts.

I am not a big Capital One fan, and would love to switch (have considered EverBank in the past) - but haven't found anything that has really motivated me to switch thus far. Interest rates are so crappy and checking / savings seems to work ok for me, but if I could find something that paid a little more and wasn't tied to a "big bank" then I'd be happier.

[martygras]

DH and I need to switch - for those of you with any other savings accounts what are your thoughts?

[goaskalice]

Jan 22, 2013 10:59:00 GMT -5 @shoegal said:

I haven't noticed any changes, and use their Checking as well as savings accounts.

I am not a big Capital One fan, and would love to switch (have considered EverBank in the past) - but haven't found anything that has really motivated me to switch thus far. Interest rates are so crappy and checking / savings seems to work ok for me, but if I could find something that paid a little more and wasn't tied to a "big bank" then I'd be happier.

This is us, minus the checking account. 

[jlt19]

I've thought about going over to Ally bank, as the rates are higher, but I do 95% of my banking through ING and that just seems like so much work to move everything. I'm lazy.

[scsarah]

I've got my checking and then most of our savings in ING. Haven't noticed any issues with transfers yet, but am also not a big fan of Capital One. At the same time, like PPs, I haven't found anything to switch to yet, nor have I been driven to do so by any changes.

We're working on a re-fi right now, so probably won't do anything with the accounts until that's done (I don't need more paperwork to deal with), and then I'll re-evaluate to see what's up.

[whitemerlot]

I haven't noticed any changes.

[caidan]

We moved all of all savings and our daughters savings to ally. We had a couple Cds with them already so now the money is just all in one place.

[my4girls]

I haven't noticed any changes but I am in the middle of switching anyway so all of our accounts are with USAA. I am just tired of them being in different places

[pinkeggs]

I jumped ship a few months ago. I have not had good experience with Cap One in the past and was not about to leave my entire savings with them. I read a finance website that speculated that once all the kinks are worked out they will start nickel and diming people there. not sure if that will happen or not. I just switched to our credit union savings where we already had a checking account.

[winemaker06]

My external transfers have been cut down since I opened the checking account with them. But I did make an external last week, and it didn't take any longer than usual.
Since I haven't had any problems, I'm sticking with them because I like their bill pay and subaccounts well enough.

[estrellita]

I haven't noticed any changes. Honestly, there isn't much I've noticed changing for the worse other than the name (lame) and colors (I miss the orange, it was so distinct). Something to remember too is that it's the same people working there. You call Capital One 360 and it's still the ING Direct people. Just something to keep in mind because buyouts/mergers/whatever kinda suck for everyone involved.

[MrsE]

We've had ING accounts for 5 or 6 years. I honestly haven't noticed any big differences, but we only use ING for our savings accounts and it is auto drafted out of our accounts every month.


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[flygirl22]

Yea, I haven't noticed any changes. I love the subaccounts, I won't switch until they start charging me or they get rid of those.

[thedutchgirl]

The systems should be all ING at this point. Only the branding is likely to have changed. I wonder if any delays you are experiencing are coincidental. As a PP pointed out, even the people are likely the same at this point.