I was a Chevy Chase Bank customer for 8 years with no problems. Loved the ATMs everywhere, usable website, and account features.
I knew CCB would become Capitol One, but I didnt know all the problems. TERRIBLE! Within 2 weeks of being a "new Capitol One customer" I became much happier to switch and be a "new PNC Bank customer". Capitol One has terrible customer service.
Tons of time spent waiting on the phone, I had one lady put me on hold, after waiting a long time she came back and said, "What was it that you needed me to do?"!!!!!
Capitol One has an aweful website, specifically in comparison to Chevy Chase or PNC. I am very happy with PNC, especially the mobile banking via my iPhone.