0 stars is not an option. I deposited a check w/ their app. They want 2 days to clear a $348 check. I popped my chase app open and deposited a. $18,300 check & a $42k check (plus or minus). Chase allows instant access to either all funds or substantial portions. This was my experiment with capital one. I deposited $167k over 1 year. They hold the checks for anywhere from 2-10 business days. It's "policy." Their policy earning interest from leveraging our "held" funds. CO is NOT a bank.