Originally Posted by
cbn42
It seems like you are referring to Capital One, N.A., which is the brick-and-mortar bank found in NYC, New Orleans, and a few other cities. They charge $2 for outside ATM usage.
However, Capital One Bank (USA), N.A., which is the online bank, does not charge for using an outside ATM and rebates surcharges up to $25 a month, both domestic and international. You cannot open this account if Capital One has brick-and-mortar branches in your area.
The two are separate banks with separate FDIC coverage, owned by the same bank holding company.
Hope that clears it up.
Interesting - I opened Capital One online, but I guess since there are a bunch of Capital One branches in my area (in NJ) that I couldn't get the other bank that you speak of, and got the $2 non-Capital One ATM fee.