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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

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Benefits and Features

Savings1.80% APY. No monthly service fee and no minimum deposit.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.
CD0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%. No deposit to open.Standard Term CD: 0.05% - 0.35% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Special CD: 1.15% - 1.50% APY. Terms of 9, 29, and 39 months. Minimum deposit of $5,000. Bonus of up to 1.55% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
Checking0.20% APY. No monthly service fee and no minimum deposit. Overdraft options prevent you from being charged when you accidentally overdraw 
Money Market Also known as the Platinum Savings Account. 0.05% APY. Minimum opening deposit of $25. $12 monthly service fee, unless you maintain a minimum daily balance of $3,500. Bonus APY of 0.10% 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.
ATMsOver 39,000 no-fee Capital One & Allpoint ATMsMore than 13,000 ATMs across the country.
IRA CD0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%.Standard Term CD: 0.01% - 0.35% APY. Terms of 1 month to 114 months. Minimum deposit of $1,000. Special CD: 1.15% - 1.50% APY. Terms of 9, 29, and 39 months. Minimum deposit of $2,500. Bonus of up to 1.55% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
IRA Money Market 0.03% - 0.05% 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 & ConsPros:
  • Overdraft protection options
  • No account minimums
  • 27 Capital One cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Bottom LineGood online bank with access to in-person support... Read full review 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 12/07/2019.

Wells Fargo: Pricing information from published website as of 12/06/19 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


Articles on Wells Fargo


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