I was a customer of Chevy Chase Bank. CCB merged with Capital One Bank and I was transferred to Capital One Bank. Ever since this transfer I have had trouble with the Bill pays. This month I notice a Bill pay scheduled for Dec 15 to my Mobile Phone company had been debited to my account on Dec 13. Additionally, I was charged 35$ for not having adequate funds to meet the bill pay. When I called the Bank to ask why I had been charged 35$ and why the Bill had been paid out before the sceduled date, they referred me to clause 7 of the Bill pay agreement which says that laser transfers can be paid out before the actual scheduled date. I told the Bank this is not good enough, because a customer cannot plan their financial portfolio if the Bank is paying out bills before they are due - all at their whim and fancy (because they do have a choice to reject the payment if it comes in too early). This is just not good enough in a competitive banking world. I never had this problem with Chevy Chase.