About Ken Tumin

Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and other publications as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents DepositAccounts.

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ING DIRECT Is Now Capital One 360


ING DIRECT has officially been converted to Capital One 360. ING Direct's website at ingdirect.com now redirects users to CapitalOne360.com. I tried logging in to my ING DIRECT account at CapitalOne360.com and the process worked the same as before. Also, the rates and products are the same. The only thing I can see that has changed is the colors. Red has replaced orange, and the 360 ball has replaced the orange ball.

I looked at my ING DIRECT 2012 1099, and the bank is listed as Capital One, National Association. For those who had accounts at both ING DIRECT and Capital One, you will continue to have separate FDIC coverage to at least until May 1, 2013. I have more details in this post.

If you haven't followed the transition history, this Capital One 360 FAQs page has the details. The name change was a requirement from Capital One's acquisition of ING DIRECT. According to the FAQ:

As we told you back in June 2011, our parent company - ING Group - agreed to sell ING DIRECT USA as part of a restructuring agreement with the European Commission. ING Group allowed us to use "ING DIRECT" only until February, 2013. So we had to come up with something new.

Now we'll have to wait and see how competitive Capital One 360 will be. Large banks have rarely kept their internet bank rates competitive. Two examples include HSBC and Citibank. Hopefully, Capital One 360 will be different, but their current CD rates that are very low don't give me a lot of optimism.

  |     |   Comment #1
I just logged in to see the looks of it and the results are almost the same as ING.
They have just changed some of the orange title’s colors to blue and everything else is the same.
  |     |   Comment #2
Hate Capital One they are one of the worse banks
  |     |   Comment #3
Capital One bought out a local bank and eventually over a span of a few years got rid of the account programs carrried over rom the local bank.  I expect the same to occur with all of their acquistions.
  |     |   Comment #4
i am glad to ing gone a lousy bank
  |     |   Comment #5
  |     |   Comment #39
Credit unions all the way!
  |     |   Comment #6
I have both a cap1 account and what was ingdirect...

in december, i got this stupid card that said "tahnks for being a customer for both institutions" or someting along those lines.  Did it say anythign useful?  no.  anything on if my accounts will be merged? no.  anything on if there's any benefit to consolidate the two? no.  just a waste of paper if you ask me.  on top of that, my external account was the cap1 account and now I expected to simplify the process...nope. nothing.


right now i'm waiting for all of my 1099s, 1 from a bank that was purchased by cap1, 1 by cap1direct....next year...it might e 3...sigh.
  |     |   Comment #7
ING website was down from about 10pm to 3 am last night. Central.

I removed over 99.9% of my money from ING a few days ago but both accounts are still open.

I had almost talked myself out of switching but then found a local credit union paying 1.26% that I missed for years. Opened it up and am using Ally for my checking.

So I voted with my feet.


I remember months ago moving a lot out of ally to put in INGs checking because at the time INGs checking rate was higher than Allys. Ally saw the move, asked why. I told them and shortly after they increased their rate above INGs over $100k rate.
  |     |   Comment #8
I've been trying to log on for the past two days and just keep getting the "Sorry for the inconvenience" error message. I loved ING bank, but not that Capital One 360 has taken over, they can't even make the log in page work. I can still check my accounts by phone, but what good is that? I don't want to do my banking by phone. I need everything in writing and now that I seem to have lost that, I guess I'll be looking into transfering my account to Ally. Someone always has to ruin a good thing!
  |     |   Comment #9
I have a payment in limbo and Capital One 360 customer service isn't close to the level that ING was.
  |     |   Comment #10
So now that ING has sold out - can we now make dposits at ATMs??  NO!
  |     |   Comment #11
I just signed in without a problem.  I have less than $100- left in there.  I'll see how it goes.  I'm more worried with my HSBC credit card that was sold to Cap One.  I have been getting a 5% reward for years on supermarket and drug store purchases.  I would hate to see that go.
  |     |   Comment #12
I haven't had any problems.  The only changes appear to be cosmetic, except for the login page which now has a dropdown menu.
  |     |   Comment #14
Logged in tonight.  Had to get my PIN reset because they would not allow the old ING pin.  Hope that's the only glitch.
no interest
  |     |   Comment #15
i was an ING customer...... the transition to capital one has been seamless.  no log-in problems.  nothing has changed other than cosmetic things..   so i'm surprised people are having issues.... and needing new pin numbers and stuff.  ive encountered none of that.  i havent had to change anything.
  |     |   Comment #16
No login issues, but multple account issues! Customer service is terrible. My Mtg was through Ing and have always made my payments a month in advance. I also have an automatic pymt. plan setup just in case.  Cap 1 cant figure how to deal with this and just keeps pulling the auto pymts even though no amt is due. It took 10 days after I called to get the extra payment "removed" from the mtg and another 16 days to get that $$ back into my account!! Oh and not the ext. account it orignally came from, they stuck it in a svgs acct I have at Ing. 26 days, no calls, nothing. They also entitled themselves to remove my autopay plan without telling me. If I want to set it back up, my autopymt date changes from the 12th to the 1st. 
  |     |   Comment #17
Have finally had it with Capitalone360. I was a long time Orange customer and stayed through the transistion, but the crappy customer service is finally too much. Over to Ally 
  |     |   Comment #18
So Were did my money go that was in ING Direct?
  |     |   Comment #19
Just the name changed. The login you created with ING should be the same.
  |     |   Comment #20
How can I login my Capital One 360 saving ? I just have my I.D # [ 8 number ] and Pin # ?
Janet Linning
  |     |   Comment #21
I can't log in to my old account w/ING I have the account #.
Please advise as to how I can see my balance and/or if it still exists and if any money is in it.
  |     |   Comment #22
I am not able to log in to One 360 using my old ING member number and password. I don't access this account very often, but last time I tried my ING info. allowed me to log in. Whom should I contact? How do I remedy this situation?
  |     |   Comment #23
ING was much better and easier to navigate. Sending P2P is the most frustrating thing I have ever encountered. With ING, it was very easy and straight forward. If I have to send money to someone, I have to take the money from my other account and go deposit it in their account. Makes no sense. Not a happy customer anymore.
Tencha ward
  |     |   Comment #25
I had an acct with ING several years back, and I'm trying to log in and can't, can I get some help
  |     |   Comment #27
I am in the same boat! Does anyone know what website we should be going to to access our account we use to have with ING direct?
  |     |   Comment #33
Same question. Glad I only had $25 left in there and transferred all my other savings back when they announced Capital One was taking over. I just wanted to close it out.
Ed Agnew
  |     |   Comment #28
wish I could help out but I am having the same frustration as you. Started with ing in 2000. after the switch to capital one 360 things went smoothly. since June of 2017 I cannot login ! I call customer service and they fixed it. Ha, ha!. The very next day I tried to login and the same problem. I cannot login and it kicks me off the internet. I am a computer illiterate. I call CS each time and I wind up with the same temporary fix. It is a nightmare. It is like I am in the "Ground Hogs Day" movie. I am ready to move my accounts to another vendor. Thanks for letting me vent
  |     |   Comment #29
I cannot access my accounts. I only see rates for different banks for different types of accounts.
  |     |   Comment #32
I've been on ing for ten plus years and now I can not get my accounts to deposit money into my grandkids account.
  |     |   Comment #34
I had a ing savings account years ago and never took the money out. How would i track or retrieve the money from the old account?
Norbys Palomo
  |     |   Comment #35
I have a savings account with ING Direct set up to transfer from my Wells Fargo checking account $25.00 dollars every month but when the bank change to capital 360 ,I got lost and confused few years ago . Ok don't know my account number but my name is Norbys Palomo and I want to find out where is my account now and how to get access to it
Jan fox
  |     |   Comment #36
Ing direct had Much better customer service you got someone right away I have called capital one and held on for 40 minutes about five times they’re not good with their customer service at all
  |     |   Comment #38
I can't access my old ING account and thankfully I pulled my savings of more than $50, 000 a long time ago. I did however leave $25 in the account. I decided to try and access to maybe close out the account or see what's up with it and can't. I wonder how many other people got ****ed out of their savings no matter how little. $25 from this guy, $50 from that person, etc. Seems like a scam and a class action suit should be filed. Capital One should have notified how to log on to the website and notice by registered mail. Not a peep from them.
Luna 2015
  |     |   Comment #40
go to capital one 360 and it should be the same username and password if you had ING active
Enough is enough
  |     |   Comment #41
Loved ING Direct. Was a customer for many years, Savings and investments too! I now have to cancel my account because it is just too difficult to do anything since they became Capital One. Capital One is the worst bank ever. Tried to close out my IRA - for 2 years - still no luck getting it switched to another bank. Thank goodness it's only a small amount in this account. It'll be over in another 2 years. I can't even log in today. Once a month , they try to get me to change my password. Sorry, I'm in charge - rather take my business to another bank.
  |     |   Comment #42
Jan. 8, 2020: I have been trying to log on to my Capitol One account with no success? I never had a problem before the change. Florence Sundberg
  |     |   Comment #45
Does this help anyone?

Anonymous | Sep 29, 2012 | Comment #12
I have two accoutns with Cap.One. Both were opened online. It turns out that High Yield Money Market belongs to Capital One and InterestPlus Online Savings is Capital One Bank USA.
  |     |   Comment #46
Guys how we can do download our old statements ??!
  |     |   Comment #47
On my account profile, when you click on the "statement' icon, it brings up the list of statements going back to 2013 for me. When there is no activity for a given calendar quarter, only a quarterly statement is generated. Monthly statements will be generated if activity was present for that month. The current interest rate is 0.50%.
  |     |   Comment #48
My direct deposit info shows up as ING Bank instead of Capital one for my unemployment and I can not change it will I get my direct deposit?
  |     |   Comment #49
Usually Routing Transit Numbers are merged with the takeover bank and many times the original bank name that was given a particular number will still be shown. On my list of direct deposit banks, some of them have the names of the previous bank before it got taken over by a takeover bank. The number itself is more important than the bank name shown.
  |     |   Comment #50
I had an ING account and never receive any notice they were selling to Capitol One. How do I access my old ING account????
  |     |   Comment #51
Change the name to what you want. Change the colors to what you want. What I want is to see the money that was in my INC account. How do I find it?
  |     |   Comment #52
This is not a reply, but an addendum. So they give us the page to post our grievances. Yah, so? What good is an area to state problems if they aren't then addressed by someone? Anyone!!! Have any of you been able to access the information for your ING money that was transferred?
  |     |   Comment #53
You are new to this site...the “enemy” is not this site! A little focus would help...you! What are you doing at INC?
  |     |   Comment #55
Contact Capital One. They acquired ING Direct 7+ years ago. This blog post is from February 2013.
  |     |   Comment #56
I am trying to find a pension I had with ING. I tried to log in to my acct. and it is gone. I find out it might be with Capiton one 360. Any idea how I can find it? Thank you..
  |     |   Comment #57
Look at your annual notices
  |     |   Comment #58
i have an account through ING but never heard of a merge. Now that i remembered that I had an investment through then how would I access it? since its now capital one
  |     |   Comment #59
Violet4u - If by “investment” you really mean “investment” - and not a deposit account like a banking or checking account - the following information may help. I had accounts with ING as well (they are now closed). From the PDFs of my old statements, here is what they called themselves before, during and after the merger (actually an acquisition), and their phone number -

2011 Year-End Statement - “ShareBuilder from ING DIRECT” -
ING Direct Investing
83 South King Street, Suite 700
Seattle, WA 98104
800 747 2537

2012 Year-End Statement - “ShareBuilder by Capital One” -
Capital One ShareBuilder Inc.
83 South King Street, Suite 700
Seattle, WA 98104
800 747 2537

2016 Year-End Statement - “Capital One Investing, LLC” -
Capital One Investing, LLC
83 South King Street, Suite 700
Seattle, WA 98104
800 747 2537

Fall 2018, when I closed the account - “Capital One Investing, LLC” -
Capital One Investing, LLC
7940 Dominion Parkway
Plano, Texas 75024
800 747 2537

Hope this helps. If you really mean “deposit accounts” and not investment accounts - that would of course have different contact info.
  |     |   Comment #61
I am searching for my accounts with ING. Ever since Capital One 360 acquired ING, I haven't been able to log in to see the investment accounts that I had with ING. I reset my username and password, and now my accounts do not exist. I have reached out to Capital One 360 and no one has gotten back to me. They acquired ING a few years back now and I STILL cannot get my money back. Worst bank ever...

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