![]() If you do more than very basic business banking, you might prefer Unlimited Checking. And if you need to send or receive a wire transfer, expect a domestic wire transfer fee of $15 for incoming wires and $25 for outgoing. After that, you’ll have a $1 per $1,000 fee. You don’t have to pay any transaction fees with Basic Checking, and you won’t have to pay cash deposit fees on your first $5,000 in cash deposits. It has a lower monthly fee, which you waive with just a $2,000 30- or 90- day average balance. Please don’t ever be afraid to speak up for yourself, and to escalate when your voice is not being heard by those abusing or taking advantage of you.As you can tell from the name, the Basic Checking account gives you just the essentials―no frills. I’m so sorry you had to deal with that shit friend. Not expensive either considering time saved. ![]() Hiring a lawyer for that notice isn’t nearly a bother as you’d think it is, it’s like two phone calls. Banks and branches especially don’t want those marks on them, so they will be very keen to sort it out for you MUCH quicker. Each and every day return if need be, and if that doesn’t work, you hire a lawyer to draft up a legal notice to them. Make sure you get everything in writing, have any and all proof of your checking acct if you had any (even your debit card would be perfect) and say that you demand to know where your federally protected money is. You should’ve shown up to a branch and spoken to every single person there until you get to the manager. Hey, I’m sorry I know this is late, but as someone who works in finance and has worked in banks, I wanted to let you know for your own sake when dealing with these institutions and their BS. I'm just continuing to use them until something better comes along. I still use Capital One 360 because they aren't actively hostile towards me, but I no longer love and recommend them. And the third things, easy transfers/links to other bank accounts, well every bank offers that nowadays. They don't offer virtual savings accounts anymore either, I went to open a savings account and I had to open a completely new account, I couldn't just create one from my existing savings accounts anymore. I found out, they don't offer the overdraft credit anymore (I still have it, but if I cancel it I can't get it again). ![]() And that's why I continued to recommend them. Easy transfers / links to other bank accountsįor a long time (years), Capital One did not mess with this, they kept things as-is. ![]() So if you went below zero a bit for a few days, you might have to pay 50 cents or something, no ridiculous $39 overdraft charge like most banks do
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