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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.

 Chase
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Capital One

Chase

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Capital One 360 Checking - $25 Offer - Learn More

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Chase Total Checking® + Chase Savings℠ - Learn More

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Benefits and Features

Savings1% APY. No monthly service fee and no minimum deposit.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.
CD0.60% to 2.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.30%. No deposit to open.Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking0.20% APY under $50,000; 0.75% APY $50,000 or more; 1.00% APY $100,000 or more. No monthly service fee and no minimum deposit. Overdraft options prevent you from being charged when you accidentally overdrawChase Total Checking: Basic checking account. $12 service fee waived with an average beginning day balance of $1,500 OR direct deposits of at least $500 each month. $0 minimum balance to open.
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, for up to 5 years. $25 to open.
Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Money Market0.85% APY up to $9,999.99; 2.00% APY $10,000 or more. No monthly service fee and no minimum deposit. 
Customer Service
Mon-Sun: 8am - 11pm (ET)
24/7 by phone
ATMsOver 39,000 no-fee Capital One & Allpoint ATMsOver 16,000 Chase ATMs nationwide
IRA CD0.60% to 2.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.30%. 
Locations
Online Only
Nearly 5,000 branches
 

CreditDonkey® Reviews

 Chase
Savings
Checking
Money Market
Customer Service
Mobile App
Pros & ConsPros:
  • Overdraft protection options
  • No account minimums
  • 27 Capital One cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Pros:
  • Nearly 5,000 branches
  • New customer promotions
  • 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
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.

    Capital One: Pricing information from published website as of 9/16/2019.

    Chase: Pricing information from published website as of 7/17/2019

    Which is Better: Capital One or Chase?

    Still need help deciding which bank 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


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