In The Middle Of A Horrible Experience With Them Over The Last Two Days

Transfer times in my experience were much higher than ING Direct and Emigrant Direct. It took one call each to get money transferred out of those accounts the same day. On the other hand, it took 8 calls over 3 days to get the transfer out of Capital One. Customer service representatives at Capital One were very tentative in their answers. They often provided me incorrect and misleading information.  One customer service representative even hung up my call because she was not able to hear me well. In the end one supervisor did help out. But to get to it was not easy. 

Fees are lower. Interest rate is higher. Bank with them for those. But don't expect the money to be available for an emergency. Don't expect their customer service folks to provide you accurate information.