M&T Bank vs Capital One
M&T Bank | Capital One | |
|---|---|---|
Personal Checking Account - $350 Bonus - | Personal Savings Account - $1,500 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY. Monthly service fee of $7.50 unless you 1) maintain a minimum daily balance of $500 or more or, 2) have a personal checking account with M&T Bank or, 3) make at least one deposit in your Relationship Savings account | |
| CD | Terms from 32 days to 72 months. Minimum opening deposit $1,000. | 3.50% to 3.85% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.85% |
| Checking | ||
| Mobile App | ||
| ATMs | More than 1,800 M&T Bank ATMs in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia. | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs |
| Customer Service | Mon - Fri 8:00 am - 9:00 pm (ET); Sat - Sun 9:00 am - 5:00 pm (ET). | Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET) |
| Locations | 700 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida | |
CreditDonkey® Reviews | ||
| Savings |   | |
| Checking | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
| |
| 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. M&T Bank: Pricing information from published website as of 10/23/2025 based on 14203 zip code Capital One: Pricing information from published website as of 10/23/2025. | ||
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