CapitalOne could have emailed me with the following short note:
Due to forthcoming changes in our online banking, please visit the following URL if you access Bill Pay via Quicken: capitalonebank.com/betteronlinebanking . If you don’t do Bill Pay via Quicken, you can safely ignore this email.
I don’t do Bill Pay at CapitalOne via Quicken, and so I could have immediately got on with my day. Instead, CapitalOne chose a process which unnecessarily cost me about five to seven minutes of my time.