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.
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 |  | |
Capital One | TD Bank | |
|---|---|---|
Personal Checking Account - $100 Bonus - | TD $300 Beyond Checking Bonus - | |
Benefits and Features | ||
| Savings | 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 or if you're under 18 or 62 and older. | |
| CD | 0.10% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20% | 0.05% APY (up to 0.05% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account). |
| Checking | TD Simple Checking℠, TD Beyond Checking, TD Convenience Checking℠ | |
| Money Market | 0.01% - 0.02% APY (up to 0.03% 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 | 24/7 Live Customer Service (Telephone) | |
| ATMs | Over 40,000 no-fee Capital One & Allpoint ATMs | Approximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida |
| IRA CD | 0.10% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%. | 0.05% APY (up to 0.05% 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 | 1300 locations along the east coast. | |
CreditDonkey® Reviews | ||
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| Savings |    | |
| Checking | | |
| Money Market | | |
| Customer Service | | |
| Mobile App | | |
| CD | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Good online bank with access to in-person support... | East Coast bank with relatively low minimum balance requirements... |
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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 11/26/2021. TD Bank: Pricing information from published website as of 01/08/2020 based on 08034 zip code. | ||
TD Beyond Checking - $300 Cash Bonus
- New customers who apply online for a TD Beyond Checking account can earn a $300 cash bonus after receiving direct deposits of $2,500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
- Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Rush Bill Payments and more.
- Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
- TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
- Overdraft Payback - Get overdraft fees automatically reversed up to two times a year.
- Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
- TD checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection and 24/7 fraud monitoring.
- Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
TD Convenience Checking℠ - $150 Cash Bonus
- New customers who apply online for a TD Convenience Checking℠ account can earn a $150 cash bonus after receiving direct deposits of $500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Earn $150 when you receive direct deposits totaling $500 or more within 60 days
- Low minimimum daily balance of $100 waives the $15 monthly fee.
- Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee.
- Instantly replace a lost or worn debit card by visiting a TD Bank location near you
- Access accounts via Online Banking with Bill Pay, Online Statements and TD Bank Mobile Deposit, with 24/7 cash access at TD ATMs in the U.S. and Canada – plus 24/7 Live Customer Service
- Get a 0.25% discount on TD Bank Home Equity and Personal Loans
Which is Better: Capital One or TD Bank?
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 Chase.
In short: Capital One's money market is worth mentioning.
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TD Bank is offering a $150 sign-up bonus for opening a Convenience Checking ℠ account. Learn more about this promotion below.
TD Bank Hours
TD Bank is open 7 days a week, depending on the location. Here's when you can visit a branch near you.
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Opening an account with TD Bank is simple. Take a look at what you'll need and check out your account options in our guide.
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