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 15 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
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Key Select Checking® - $200 Bonus - Learn More Read KeyBank Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	0.01% APY. $10 minimum opening deposit. $4 monthly maintenance fee unless you are an owner of a KeyBank consumer checking account (including the KeyBank Hassle-Free Account).	4.25% APY
CD	Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500.	3.90% to 5.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.80%
Checking		0.10% APY
Money Market	2.93% blended APY on balances of $25,000 or more. $5,000 minimum opening deposit. Monthly maintenance charge of $20. Can be waived with $25,000 daily balance OR having a relationship package checking account.
ATMs	More than 40,000 KeyBank and Allpoint ATMs nationwide	Over 70,000 no-fee Capital One & Allpoint ATMs
Customer Service	Telephone Service available 24/7	Mon-Sun: 8am - 11pm (ET)
Locations	More than 1,200 branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.	273 branches
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Key Financial Wellness Review tool Free checking option 24/7 customer service Cons: Limited branches High account fees	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
Bottom Line	Bank with a variety of deposit products and great financial tools... Read full review	Good online bank with access to in-person support... Read full review
	Visit Site	Learn More
	Key Select Checking® - $200 Bonus Key Smart Checking® - $200 Bonus	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Savings Account - $300 Bonus
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 04/10/2024 based on 44114 zip code. Capital One: Pricing information from published website as of 04/13/2024.

Member FDIC

Key Select Checking® - $200 Bonus

Learn More

Expires 7/19/2024

Earn $200 after qualified activities until 7.19.24 with interest-bearing Key Select Checking®.

Open a Key Select Checking® account online by July 19, 2024.
Make the minimum opening deposit of $50, plus one direct deposit of at least $500 within the first 60 days of account opening.
Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.

Key Select Checking® is a premium checking account that earns interest and a $100 cash bonus year after year with qualifying activities and has a waivable monthly maintenance fee.

Member FDIC

Key Smart Checking® - $200 Bonus

Learn More

Expires 7/19/2024

Earn $200 after qualified activities until 7.19.24 with the no-monthly-maintenance-fee Key Smart Checking®.

Open a Key Smart Checking® account online by July 19, 2024.
Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening.
Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.

Which is Better: KeyBank or Capital One?

Still need help deciding which bank reviews & deals 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

KeyBank Review

Are you looking for a no-frills checking account or maybe a bank that offers relationship banking services/interest rates? You may have found your fit with KeyBank.

Key Bank Routing Number

Looking to transfer money in or out of your KeyBank checking or savings account? Find your KeyBank routing number and learn more about money transfers in our guide.

Articles on Capital One

Capital One 360

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.