Not enough people talk about their finances. For whatever reason, we’ll talk and write about our favorite products – but never about things like banks, lawyers, or doctors. I do a lot of book reviews, but wanted to venture out with something a bit different – a Capital One 360 Savings Account review.

Back on January 6, 2006, I ditched my local banks’ one-tenth of 1% interest rate on my personal savings (at the time), and signed up for ING Direct. At the time, online banking was still a new industry. It’s now very normal will a ton of companies to choose from.

In the 12 years since I signed up, ING Direct has become Capital One 360® (see their plans & promotions here), and is now one of the largest online banks in America. After 12 years of banking with them, here’s my pros and cons of Capital One 360 (and online banking in general). [Read more…]