hiddendragon999 said:CapOne HYS now at 2.90%, only 10 bips below Emigrant. My bet is CapOne will surpass Emigrant's rates within the month because CapOne lends at higher rates. Rising rate environment, isn't it fun!

So I suppose the move now is to link EmigrantDirect as an external account for CapitalOne. Has anyone done this successfully yet?

It takes a day or two from when the webpage updates with a new higher rate to when the rate is actually reported in your online account. Trust me, I've been checking throughout all their recent upticks.

Is it possible to link ING as one of your external accounts?

They use the same software, but I think the Capital One interface is worse such as the transfer pages (you have to enter some information in twice due to a crappy interface).

prozario said:those who have both cap one & emig. can someone point out the pros/cons of both. I know Cap One lets you link more then one checking acct. Is there any other benefit of Cap one besides that. I really hate Emig direct interface, especailly when it doesn't show that transfer are pending. How does Cap One compare in terms of interface, ease of use?

and lagging behind is ing! this is starting to be the norm

Pygmy said:They use the same software, but I think the Capital One interface is worse such as the transfer pages (you have to enter some information in twice due to a crappy interface).

that is scary ... worse then emigrant direct. Didn't think that was even possible.

I dont care much about how nice the sites are as long as they pay you the highest rates. Looks like ING and Cap 1 are bumping things higher. I would expect more moves as Greenspan raises rates further. So far the predictions about lowered rates arent happening. CapOne can use your money to fund some of the juicy creditcard programs they have

Rob

robertw477 said: CapOne can use your money to fund some of the juicy creditcard programs they have

Rob


Cap One started out as a Credit Card company, so truly they are using that to fund this. A little history:

Capital One was actually the Bank Card business of Signet Bank years ago. When Signet was bought out by First Union the Bank Card operations were split out. The guys running it at the time were actually consultants and they came into Signet one day and essentially took over the business. It is a well run company with very good management.

My withdrawal from ING to Capital One just went through and my capital one account is not linked to ING. So not sure why you had this problem.

Alcibiades said:flute0000 said:Alcibiades said:You can probably link it, but I doubt ING will allow any withdrawals to go through.
why is that ?ING will reject an ACH withdrawal request unless its initiated by one of the 3 linked checking accounts. ING wont link an account without sending in a check drawn against the respective account, so its somewhat challenging to link a savings account.

It's astonishing how fast this rate ran up. Sure glad I didn't bother with hassle of switching to emigrant!