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TD Bank vs Capital One

TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to Capital One? Read our comparison chart below.

TD Bank has 1,300 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

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

 

TD Bank

Capital One

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Benefits and Features

Savings0.05% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.1.70% APY. No monthly service fee and no minimum deposit.
CD0.10% - 1.19% APY (up to 1.35% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).0.60% to 2.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.00%. No deposit to open.
Checking 0.20% APY. No monthly service fee and no minimum deposit. Overdraft options prevent you from being charged when you accidentally overdraw
Money Market0.03% - 0.20% APY (up to 0.25% for Rate Bump APY) for amounts up to $250,000. No minimum deposit. $11 or $12 monthly maintenance fee waived if 1) minimum $2000 balance or 2) over 62 years old. 
Customer Service24/7 Live Customer Service (Telephone)
Mon-Sun: 8am - 11pm (ET)
ATMsApproximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and FloridaOver 39,000 no-fee Capital One & Allpoint ATMs
IRA CD0.10% - 1.19% APY (up to 1.35% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).0.60% to 2.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.00%.
Locations1300 locations along the east coast.
Online Only
 

CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & ConsPros:
  • Extended banking hours
  • Low requirements to waive monthly fees
  • No foreign transaction fees
Cons:
  • No free checking
  • Low APY
  • Only on East Coast
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 LineEast Coast bank with relatively low minimum balance requirements... Read full reviewGood online bank with access to in-person support... Read full review

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

TD Bank: Pricing information from published website as of 12/13/2019 based on 08034 zip code.

Capital One: Pricing information from published website as of 12/13/2019.

Which is Better: TD Bank or Capital One?

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

In short: Capital One's money market is worth mentioning.


Articles on TD Bank


Articles on Capital One


Which Do You Think is Best?


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