Capital One is primarily a retail banking operation, providing credit cards, auto loans and home loans in addition to checking and savings services. Originally a pure credit card company, Capital One expanded into banking in earnest in 2005. Early in 2014 Capital One was criticized for changing its customer terms of service to allow the bank to contact customers in any manner it chose, including deliberately deceiving them with fake phone caller IDs. Today, Capital One has more than $318 billion in assets, though its branches number only 474, the lowest count on this list.