Chime vs Capital One
Chime | Capital One | |
---|---|---|
Get Started - | Personal Savings Account - $1,000 Bonus - | |
Benefits and Features | ||
Savings | 2.00% Annual Percentage Yield (APY). The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest. | |
CD | 3.30% to 4.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.15% | |
Checking | No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees | |
Customer Service | ||
Minimum Deposit to Open | ||
Mobile App | ||
ATMs | Over 60,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs | Over 70,000 no-fee Capital One & Allpoint ATMs |
Locations | ||
Monthly Fee | ||
CreditDonkey® Reviews | ||
Savings | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Money Market | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
| Pros:
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Bottom Line | | 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 03/15/2023. |