As I see it, CapOne now has several different types of banking accounts, and the ATM fee policies differ with the account type.
The High Yield Money Market account, which is catagorized as a savings account, does not include any $1.50 non-CapOne ATM use fee, or so I've been told.
For the checking accounts, however, there are such fees, at least sometimes.
I hope the "ATM fee" table will reflect this by separating the CapOne savings from the checking accounts, and giving separate info for each.
I don't think it's necessary to distinguish Capital One savings from checking accounts.
The way I see it is that Capital One is waiving ATM fees for accounts maintaining certain amount of balance. In Texas, that's $1000 for checking accounts. Other states and other products may have different thresholds.
In terms of savings accounts, if you don't want to be charged with monthly fee, you have to maintain a higher level of daily balance (compared to checkings) anyway. Plus I would say hardly anyone uses savings accounts for frequent ATM withdrawals. One can only do 3-6 withdrawals (via checks, ATM..etc) max per months (I am not even sure if you get ATM/debit cards for savings/ money market accounts). The Money Market accounts you refer to require either $2500 or $5000 min balance; for regular savings, $300 (in TX).
I agree with
themicah. Unless we have enough samples of products from different states, it's hard to have a comprehensive (or definite) list of Capital One on debit/ATM fees.
Best we can do is to give everybody the headsup that non-CapOne ATM withdrawals may not be free, depending on the account types. Consult with your local branch for potential fees. My Texas,
craz's NY and yours (? state) experiences can be listed as examples.
The bottom line is everyone should know how and what their banks are charging. The FT Wiki is just a compilation of experiences and one should use it as a guideline.
The selling point is their no FX fee/rate. I would think most people use CapOne credit cards instead of ATM/debit cards since the rates of their banking products are not as attractive. CapOne doesn't have enough branches/ATMs in every state either.