Capital One does not reimburse ATM fees. They only allow you free ATM transactions if the particular bank is within their All Points system or something like that.
Is Banorte and Santender in their system, or do you have to pay ATM fees for Capital one with them.
About 11 years ago, Bank of America allowed free ATM use of Scotiabank, Santender and Banorte. About 6 months after I got down here, B of A pulled the plug on that.
That is when I switched to Capital One 360 and never looked back. Unfortunately, the pool of ATMs available within their system has shrunk. I used to go to the casino ATMS in the same plaza. Then that became unreliable and they pulled the use of that . So, I have been stuck with CI Banco as the only ones not charging an ATM fee for CAptial one.
CI Banco reliabilty of ATM money is extremely aggravating ! Glad we are retired to have time to waste ! Climate is great though, isn't it ???