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Capital One vs Chase

Capital One is a good online bank with access to in-person support. How does it compare to Chase? Read our comparison chart below.

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.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 16,000 ATMs. They offer a variety of banking, loans and investing services.

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

 Chase
 Learn MoreVisit Site
 

Capital One

Chase

SPECIAL OFFER
Personal Checking Account - $100 Bonus - Learn More

Read Capital One Review

SPECIAL OFFER
Chase Bank $225 Bonus - Learn More

Read Chase Review

 

Benefits and Features

Savings
0.40% APY
Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD0.10% to 0.80% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking
0.10% APY
Chase Total Checking®
Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Customer Service
Mon-Sun: 8am - 11pm (ET)
 
ATMsOver 40,000 no-fee Capital One & Allpoint ATMs
16,000 Chase ATMs
IRA CD0.10% to 0.80% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%. 
Locations
Online Only
Over 4,700
 

CreditDonkey® Reviews

 Chase
SavingsStarStarStarHalf StarEmpty StarStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarStarStarStarStarStarEmpty Star
Money MarketStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarStar
Pros & ConsPros:
  • Overdraft protection options
  • No account minimums
  • 27 cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Pros:
  • More than 4,700 branches
  • New customer coupons
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Bottom LineGood online bank with access to in-person support... Read full reviewNational bank with good promotions for new customers... Read full review
 Learn MoreVisit Site

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

Capital One: Pricing information from published website as of 9/15/2021.

Chase: Pricing information and data points from published website as of 12/17/2020

Chase
Member FDIC

Chase Total Checking® - $225 Bonus

  • New Chase customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
  • Access to 16,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Chase
Member FDIC

Chase Business Complete Banking℠ - $300 Bonus

Expires 10/21/2021
  • Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
  • More ways to waive fees. Multiple options to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card
  • Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠.
  • Same-day deposits with QuickAccept℠. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
  • Alerts to help you stay on top of your account activity.
  • Easy account management through Chase Business online and the Chase Mobile® app.
  • Unlimited electronic deposits, ACH and Chase Quick Deposit℠.
  • Convenient access to 16,000 ATMs and more than 4,700 branches.
Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

  • New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying activities.
  • No minimum deposit to open, no fees for Chase Online℠ Bill Pay, money orders, cashier's checks or to send money
  • No paper checks to track
  • Just a simple $4.95 monthly service fee
  • Use the Chase debit card to help you spend only the money you have available, without worrying about overdraft fees.
  • Bank with the Chase Mobile® app and Chase Online℠
  • Get helpful account alerts so you can monitor your balance and more.
  • No need to worry about unauthorized card transactions when reported promptly with Zero Liability Protection.

Which is Better: Capital One or Chase?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or CIT Bank.

In short: Capital One's checking is outstanding.


Articles on Capital One

Capital One 360 Review

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.

Capital One Bank Hours

Capital One Bank is open 6 days a week. Take a look at their operating hours.

Capital One Routing Number

What is the routing number for Capital One? Find the right one for your account with our guide.

Articles on Chase

Is Chase a Good Bank

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

Chase Open Account

Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

Chase Business Checking $300 Bonus

Right now, Chase Business Complete Checking is offering a $300 bonus for new customers.

Chase You Invest Review

Chase You Invest App has a bonus promotion, low fees and mutual funds trading. But is it good for beginners? Read this review for the pros and cons.

Chase Routing Number

What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).

Chase Secure Banking Coupon

Earn $100 when you open a Chase Secure Banking℠ with qualifying activities. Here's how to grab the special offer.

How to Open a Chase Business Bank Account

Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.

How to View Your Chase Bank Statement

You can easily access your Chase bank statement online. Find out how to view your past activity at any time.

How to Setup Direct Deposit with Chase

Get paid faster when you set up direct deposit with Chase. Here's how to get started below, plus how long it takes to get your money.

How to Go Paperless with Chase Bank

Tired of getting paper statements from Chase? Follow this simple guide to go paperless with Chase Bank.

Which Do You Think is Best?





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