"Starting August 1, 2018, you’ll have new ACH external transfer and debit card limits. Keep reading to understand how to manage your transactions.

Security is a top priority at Capital One®. So as of August 1, 2018, we’re changing the limits for ACH external transfers to better protect your accounts.

Automated Clearing House (ACH) External Transfer Limits: Your 360 accounts will now be subject to limits on the amount of electronic transfers between your account and external accounts at other financial institutions. These limits are designed to be flexible in order to protect the security and integrity of the service and accounts, as well as you and all other users of the service. Based on confidential fraud and essential risk criteria, they may be modified at our discretion without advance notice. • What transactions will this impact? ACH external transfers are electronic deposit and withdrawal transfers made between your Capital One accounts and your linked external accounts…"

So fine – new limits for ACH (bank to bank free transfers). But what are they? This is never stated in the email they sent. The stated policy up till now has always been "All of your funds may be withdrawn via ACH at any time".

I call them – they DO NOT reveal the new limits to their customers. "It's personalized for each person" I was told. "Then send me a personalized email with my limit". But that is not the policy and they will not do that.

Capital One will hold your money, and let you withdraw it, but are keeping the withdrawal amounts via ACH a secret.

They also make clear they can change the now secret limits at any time with NO notice. "Based on confidential fraud and essential risk criteria, they may be modified at our discretion without advance notice."

I'm 1/3 thru with withdrawing all funds from my Capital One accounts. Will be done with them by next week.