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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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Benefits and Features

Savings
1.50% 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.
CD0.60% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.00%Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking
0.20% APY
Chase 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 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)
24/7 by phone
ATMsOver 39,000 no-fee Capital One & Allpoint ATMsOver 16,000 Chase ATMs nationwide
IRA CD0.60% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.00%. 
Locations
Online Only
Nearly 4,900 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 4,900 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
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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 03/29/2020.

    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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