NorthOne vs Capital One

NorthOne is a good business banking features and tools with no monthly fees. How does it compare to Capital One? Read our comparison chart below.

NorthOne offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.

While 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.

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

	NorthOne	Capital One

	Visit Site	Learn More
	SPECIAL OFFER NorthOne Free Business Banking - Learn More Read NorthOne Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	No savings account, but you can create unlimited envelopes for savings goals	4.25% APY
CD		3.90% to 5.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.80%
Checking	$0 monthly fee; no balance requirements	0.10% APY
Monthly Fee	$0
APY	N/A
Minimum Deposit to Open	$50
ACH Transfer Fee	$0
ATMs	38,000+ MoneyPass ATMs	Over 70,000 no-fee Capital One & Allpoint ATMs
Balance Requirement	None
Cash Deposit Fee	$4.95
Customer Service	Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST.	Mon-Sun: 8am - 11pm (ET)
Incoming Wire Transfer Fee	$20 for domestic wires
Locations	Online only	273 branches
Out of Network ATM Fee	Fee from ATM owner
Outgoing Wire Transfer Fee	$20 for domestic wires
Overdraft Fee	$0
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Savings
Money Market
Pros & Cons	Pros: No monthly fees Unlimited envelopes App integrations Cons: No APY Cash deposit fee	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
Bottom Line	Good business banking features and tools with no monthly fees... Read full review	Good online bank with access to in-person support... Read full review
	Visit Site	Learn More
	NorthOne Free Business Banking NorthOne Plus Business Banking Business Referral Program - $50 Bonus	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Savings Account - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. NorthOne: Information sourced from the published website as of 03/05/2024. Capital One: Pricing information from published website as of 04/13/2024.

NorthOne Free Business Banking

Unlimited envelopes for all your business budgets
Integrations with popular accounting and payment processing apps
Automate your bill payments
$50 minimum opening deposit

NorthOne is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

NorthOne Plus Business Banking

Priority email/chat support
Dedicated relationship manager
Implementation and onboarding assistant
$0 same-day ACH payments, bill payments, and physical checks
Lowest transaction fees
$50 minimum opening deposit
$20 monthly fee

NorthOne is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

Which is Better: NorthOne 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 NorthOne or Chase.

In short: Capital One's checking is outstanding.