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Capital One vs TD Bank

Capital One is a good online bank with access to in-person support. How does it compare to TD Bank? 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 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.

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

 

Capital One

TD Bank

SPECIAL OFFER
Capital One 360 Checking - $25 Offer - Learn More

Read Capital One Review

SPECIAL OFFER
TD Bank Beyond Checking Account - $300 Cash Bonus - Learn More

Read TD Bank Review

 

Benefits and Features

Savings1% APY. No monthly service fee and no minimum deposit.0.05% 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.
CD0.60% to 2.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.30%. No deposit to open.0.10% - 1.19% APY (up to 1.50% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).
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 overdraw 
Money Market0.85% APY up to $9,999.99; 2.00% APY $10,000 or more. No monthly service fee and no minimum deposit.0.03% - 0.30% APY (up to 0.35% 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 Service
Mon-Sun: 8am - 11pm (ET)
24/7 Live Customer Service (Telephone)
ATMsOver 39,000 no-fee Capital One & Allpoint ATMsApproximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
IRA CD0.60% to 2.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.30%.0.10% - 1.19% APY (up to 1.50% 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).
Locations
Online Only
1300 locations along the east coast.
 

CreditDonkey® Reviews

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

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

TD Bank: Pricing information from published website as of 9/16/2019 based on 08034 zip code.

Which is Better: Capital One or TD Bank?

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

In short: Capital One's checking and money market are worth mentioning. In particular, the checking is outstanding.


Articles on Capital One


Articles on TD Bank


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