Wow that seems like a long time. With my current Fidelity account, any money I transfer over from my bank is credited that second. I just signed up for the Capial One 3.75% savings this weekend. Hopefully 5 days is the maximum and not the norm.

Anyone else have this account? Opinions?

I just opened this account - the web site said for the initial deposit they would hold money for 10 days, then 5 days after your account is over 30 days old.

During my web application, I directed Capital One to transfer $750 from my checking account at another bank. They money has been pulled for them other bank, but my account with Capital One still shows $0. I don't know if they don't show the money in their account until after the 10 days is up, or if I need to call. They also mail you a signature document to send in, so perhaps they are waiting to receive this back.

I don't particularly care about the hold times (5 days) on the money as I'm parking $ there for a better interest rate. I don't plan on moving it out for a while. If you want to flip money in and out of accounts quickly, this account is not for you.

SlicerMDM said:Anyone know what the 'hold time' on deposited funds and transfer time on ACH is for the Capital One online savings account?Funny you should ask. I was just dealing with this issue. I recently opened the on-line savings account, and since I already have a Cap One MMDA hooked up with Fidelity's MoneyLine I decided to transfer some funds from Fidelity to the MMDA, and then transfer from MMDA to on-line savings. The money Fidelity sent was available for withdraw the same business day. According to their terms, the hold time is supposed to be 5 business days, available on the 6th business day.

I also sent some money to the on-line savings from an external savings account. The money isn't yet available for withdraw. I'm not sure what the difference is.

jimmyzshack said:link please. we use capital one for checking and savings, and have 4k sitting at 0.27% lol. need to get a better rate with access we use this money to pay for my wifes braces which are at 0% for 7k total. yes i told her a boob job is cheaper.
If you already use Capital One, I’m not sure why you’d need a link; I guess you don’t use their online banking? Here’s the link anyway - Capital One Online Savings Account.

thank you we now have their "online savings" which you don't see a link to if you use there online banking.

We used to be with hibernia. they bought them, and the only savings you can sign up for in the bank or these. local user and once you sign in you can't find the links to the "online" ones

yes but it's still 2.71 for 4k instead of .2 something.

if we type in www.capitalone.com we go to http://www.capitalone.com/bank/index.php

http://www.capitalone.com/bank/index.php ie 7

nope goes back to http://www.capitalone.com/bank/index.php it's a redirect scam for their local customers.

ok just vpn to work and signed into a test account and i get the links from there. So i guess they don't want their local markets to know about it.

so anyone in Louisiana or texas check the direct link above.