Axos Bank vs Capital One

Axos Bank is a full-service online bank with excellent checking and savings. How does it compare to Capital One? Read our comparison chart below.

Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.

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

	Axos Bank	Capital One
	Member FDIC
	Learn More	Learn More
	SPECIAL OFFER Basic Business Checking - Up to $200 Bonus - Learn More Read Axos Bank Review	SPECIAL OFFER Capital One Venture X Rewards Credit Card - Learn More Read Capital One Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	3.10% APY
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum	3.20% to 3.90% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.90%
Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback	0.10% APY
Money Market	0.25% APY
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 91,000 partner ATMs	over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer Service	24/7	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)
Locations	Online only	263 branches
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
ATMs
Locations
Customer Service
Pros & Cons	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches	Pros: Overdraft protection options No account minimums Over 50 cafes for in-person support Cons: Other banks have higher APY
Bottom Line	Full-service online bank with excellent checking and savings... Read full review	Good online bank with access to in-person support... Read full review
	Basic Business Checking - Up to $200 Bonus Business Premium Savings - Up to 3.60% APY Axos ONE - Earn up to 4.21% APY	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Business Checking Account - $500 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Axos Bank: Pricing information from published website as of 05/12/2026. Capital One: Pricing information from published website as of 04/29/2026.

Member FDIC

Basic Business Checking - Up to $200 Bonus

Get Deal

Expires 6/30/2026

Open a Basic Business Checking account using promo code START200 by June 30, 2026.
Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
No initial deposit requirement
No minimum balance requirement
No monthly maintenance fees
Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
Unlimited domestic ATM fee reimbursements
Unlimited item processing (debits, credits, and deposited items)
Cash deposits via MoneyPass and Allpoint networks

Member FDIC

Business Premium Savings - Up to 3.60% APY

Get Deal

Expires 6/30/2026

Bundle with checking and unlock a bonus of up to $600.
Discover the Axos Business Bundle, combining flexible checking with high-yield savings and earn an exclusive bonus up to $600. Use promo code SBB600.†
Earn 3.60% APY* With Business Premium Savings
Free domestic and international incoming wires
No monthly maintenance fee
No minimum opening deposit
No average daily balance requirement
Business deposit accounts FDIC insured up to $250k

Member FDIC

Business Interest Checking - 1.01% APY

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Up to 1.01% APY**
$100 minimum opening deposit
Pay no monthly maintenance fee with an average daily balance of at least $5,000
Unlimited domestic ATM fee reimbursements
Up to 50 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
Free online banking, image statements, and Bill Pay

Which is Better: Axos Bank 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 Axos Bank or Bank of America.