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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? 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 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, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 TD Bank
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Capital One

TD Bank

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Benefits and Features

Savings
1.70% APY
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.
CD0.60% to 2.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.00%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).
Checking
0.20% APY
 
Money Market 0.03% - 0.20% APY (up to 0.25% 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 2.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.00%.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

 TD Bank
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
 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 01/22/2020.

TD: Pricing information from published website as of 01/08/2020 based on 08034 zip code.

Which is Better: Capital One or TD?

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 money market is worth mentioning.


Articles on Capital One


Articles on TD Bank

    TD Bank Review

    TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.

    TD Routing Number

    Looking to transfer money in or out of your TD Bank checking or savings account? You'll need the right routing number. Find your TD Bank routing number and learn more about money transfers in our guide.

Which Do You Think is Best?

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