Capital One vs Wells Fargo

Capital One is a good online bank with access to in-person support. How does it compare to Wells Fargo? 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 Wells Fargo is one of America's largest banks with over 5,400 locations and 13,000 ATMs. Offers many checking options, including Teen Checking and Opportunity Checking for those who had financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 minimum opening deposit.

Compare Capital One with Wells Fargo, side-by-side. Read on for an in-depth look, including ratings and reviews.

	Capital One	Wells Fargo
	SPECIAL OFFER Current Promotion - Learn More Read Capital One Review
	Benefits and Features
Savings	0.65% APY	0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, or are under the age of 18.
CD	0.20% to 0.60% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.30%	Standard Term CD: 0.01% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Special CD: 0.01% APY. Terms of 5 months. Minimum deposit of $5,000. Bonus of up to 0.02% APY if you maintain a linked Portfolio by Wells Fargo relationship.
Checking	0.10% APY
Money Market		Also known as the Platinum Savings Account. 0.01% APY. Minimum opening deposit of $25. $12 monthly service fee, unless you maintain a minimum daily balance of $3,500. Bonus APY of 0.02% requires account linked to Portfolio by Wells Fargo relationship.
Customer Service	Mon-Sun: 8am - 11pm (ET)	Available 24 hours a day, 7 days a week.
ATMs	Over 40,000 no-fee Capital One & Allpoint ATMs	More than 13,000 ATMs across the country.
IRA CD	0.20% to 0.60% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.30%.	Standard Term CD: 0.01% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Special CD: 0.01% APY. Terms of 5 months. Minimum deposit of $2,500. Bonus of up to 0.02% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
IRA Money Market		0.01% APY. $100 minimum opening deposit.
Locations	Online Only	Approximately 5,400 retail banking branches coast to coast.
	CreditDonkey® Reviews
Savings
Checking
Money Market
Customer Service
Mobile App
Pros & Cons	Pros: Overdraft protection options No account minimums 27 Capital One cafes for in-person support Cons: Lower savings APY compared to other online banks
Bottom Line	Good online bank with access to in-person support... Read full review	Read full review
	Current Promotion Personal Checking Account - $100 Bonus Online CDs
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 09/25/2020. Wells Fargo: Pricing information from published website as of 09/25/2020 based on 91107 zip code.

Which is Better: Capital One or Wells Fargo?

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.

Articles on Capital One

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Articles on Wells Fargo

Wells Fargo Reviews
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Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.

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