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 Personal Checking Account - $400 Bonus - Learn More Read Capital One Review	SPECIAL OFFER TD $300 Beyond Checking Bonus - Learn More Read TD Bank Review
	Benefits and Features
Savings	0.40% 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.
CD	0.20% to 0.40% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%	0.05% APY (up to 0.10% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).
Checking	0.10% APY
Money Market		0.01% - 0.10% APY (up to 0.15% 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)
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	0.20% to 0.40% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%.	0.05% APY (up to 0.10% 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 & Cons	Pros: Overdraft protection options No account minimums 27 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 Line	Good online bank with access to in-person support... Read full review	East Coast bank with relatively low minimum balance requirements... Read full review
	Personal Checking Account - $400 Bonus Personal Checking Account - Up to $250 Bonus Personal Checking Account - $250 Bonus	TD $300 Beyond Checking Bonus TD $150 Convenience Checking Bonus
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 1/16/2021. TD Bank: Pricing information from published website as of 01/08/2020 based on 08034 zip code.

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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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.
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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.
TD Routing Number
Need your TD Bank routing number? It's not the same for everyone. Find the right TD routing number for your bank account by state, with and without a check.

Which Do You Think is Best?

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