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KeyBank vs Capital One

KeyBank is a bank with a variety of deposit products and great financial tools. How does it compare to Capital One? Read our comparison chart below.

KeyBank has over 1,200 branches in 16 states. It offers a range of checking and savings accounts. Some relationship products offer perks like lower loan rates and higher savings APY. Key Bank has higher monthly service fees and heavier requirements to waive, but there is a free checking option.

While Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

Compare KeyBank with Capital One, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 

KeyBank

Capital One

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Key Checking Account - $300 Bonus - Learn More

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Benefits and Features

Savings0.10% - 0.20% APY depending on amount. $10 minimum opening deposit. $4 monthly maintenance fee unless you 1) have $300 daily balance, or have 2) $5 monthly minimum direct deposit or recurring transfer from another Key account, or 3) have a HelloWallet Financial Wellness Score of at least 1.1.80% APY. No monthly service fee and no minimum deposit.
CDStandard Term CD: 0.10% - 0.75% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500. Promotional CD: 0.15% - 1.25% APY. Terms of 13, 18, 27, 37, and 47 months. Minimum deposit of $10,000.0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%. No deposit to open.
Checking 0.20% APY under $50,000; 0.50% APY $50,000 or more; 0.75% APY $100,000 or more. No monthly service fee and no minimum deposit. Overdraft options prevent you from being charged when you accidentally overdraw
Money MarketStandard rate of 0.05% APY depending on balance. (3-Month Variable bonus relationship rate of 0.14% APY for a minimum opening deposit of $5,000) $50 minimum opening deposit. Monthly maintenance charge of $12. Can be waived with $5,000 daily balance or monthly direct deposit of at least $25.00 or having a qualifying Key Checking Account.0.85% APY up to $9,999.99; 1.70% APY $10,000 or more. No monthly service fee and no minimum deposit.
Customer ServiceTelephone Service available 24/7
Mon-Sun: 8am - 11pm (ET)
ATMsMore than 1,500 ATMs in Alaska, Colorado, Connecticut, Florida, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.Over 39,000 no-fee Capital One & Allpoint ATMs
IRA CD 0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%.
LocationsMore than 1,200 branches in 16 states: Alaska, Colorado, Connecticut, Florida, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.
Online Only
 

CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & ConsPros:
  • HelloWallet financial tools
  • Free checking option
  • 24/7 customer service
Cons:
  • Limited branches
  • High account fees
Pros:
  • Overdraft protection options
  • No account minimums
  • 27 Capital One cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Bottom LineBank with a variety of deposit products and great financial tools... Read full reviewGood online bank with access to in-person support... Read full review

Key Checking Account - $300 Bonus

What Others View

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    KeyBank: Pricing information from published website as of 11/17/2019 based on 44114 zip code.

    Capital One: Pricing information from published website as of 11/15/2019.

    Which is Better: KeyBank or Capital One?

    Still need help deciding which bank is better? Read the in-depth reviews below. You may also be interested in comparing KeyBank or Chase.

    In short: Capital One's savings, checking, and money market are worth mentioning. In particular, the checking is outstanding.


    Articles on KeyBank


    Articles on Capital One


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