Was at CapitolOne a little while ago and mentioned to them about any such problems. The teller said they might have had system problems. She said they limit to $500 when there system is down just to cover their butts. So there was no problems with them.
I did that at Regions or Amsouth, not sure what it was at the time.
I think they wanted to charge me three dollars to cash their check.
I opened an account, sat down with one of their reps and all that, got all their paperwork/atm card, et cetera in the mail afterwards. Left a dollar in the account, which they eventually sucked out of my "completely free checking account."