Chime vs Capital One
Chime is a banking app that offers an online account with early paycheck access and credit builder features. How does it compare to Capital One? Read our comparison chart below.
Chime | Capital One | |
|---|---|---|
Get Started - | Personal Savings Account - $1,500 Bonus - | |
Benefits and Features | ||
| Savings | 2.00% Annual Percentage Yield (APY).
 | |
| CD | 3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00% | |
| Checking | No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees | |
| Monthly Fee | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs |
| Customer Service | Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET) | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |  |  |
| Checking | | |
| Mobile App | |  |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Banking app that offers an online account with early paycheck access and credit builder features... | Good online bank with access to in-person support... |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Capital One: Pricing information from published website as of 04/10/2025. | ||
Which is Better: Chime or Capital One?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chime or Chase.
In short: Chime's savings is excellent. Capital One's customer service is worth mentioning.
Articles on Chime
Chime Review
Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.
Chime Locations
Chime is a popular fintech company with no physical branches. But how do you access your money? Keep reading to find out.
Banks Like Chime
Discover the best Chime competitors that can offer you better rewards and a wider range of account options.
Articles on Capital One
Capital One 360
Capital One 360 offers free checking and savings accounts with competitive APY rates. Does it live up to its claims? Find out if it's right for you.
Capital One Money Teen Checking Account Review
Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.
Capital One Savings Account Bonus
Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.
Capital One CD Rates
Interested in Capital One 360 CDs? Here are their rates and how to open one.
Capital One High Yield Savings Review
Want to grow your funds passively? Capital One offers a high-yield savings account with a solid APY and easy accessibility. Read on to find out more.
Capital One Checking Account Bonus
Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.
Capital One Bank Hours
Capital One Bank is open 6 days a week. Take a look at their operating hours.
Capital One Routing Number
What is the routing number for Capital One? Find the right one for your account with our guide.
Which Do You Think is Best?
Which Bank Account is Right for You?
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