North One vs Capital One

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

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

	North One	Capital One

	Visit Site	Learn More
	SPECIAL OFFER North One Free Business Banking - Up to 2.50% APY - Learn More Read North One 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	3.60% APY
CD		3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
Checking	$0 monthly fee; no balance requirements	0.10% APY
Monthly Fee	$0
APY	up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements
Minimum Deposit to Open	$50
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	38,000+ MoneyPass ATMs	over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Balance Requirement	None
Cash Deposit Fee	up to $4.95; 1 refund/month (Standard members); 3 refunds/month (Plus members)
Customer Service	Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST.	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)
Incoming Wire Transfer Fee	$0 for domestic wires
Locations	Online only	263 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
Pros & Cons	Pros: No monthly fees Unlimited envelopes App integrations Cons: No international wires Cash deposit fee	Pros: Overdraft protection options No account minimums Over 50 cafes for in-person support Cons: Other banks have higher APY
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
	North One Free Business Banking - Up to 2.50% APY North One Plus Business Banking - Up to 3.00% APY North One Free Business Banking - Up to 2.50% APY	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking 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. North One: Information sourced from the published website as of 02/25/2025. Capital One: Pricing information from published website as of 04/10/2025.

North One Free Business Banking - Up to 2.50% APY

2.50% APY on balances up to $250,000 for eligible customers
Business banking for teams
Automatic invoice ingestion and payments
Sales and revenue analytics
Unlimited account envelopes
Close to 100 integrations
Over $5000 in perks for new customers
No monthly fees, no application fees, no minimum balance

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

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North One Plus Business Banking - Up to 3.00% APY

3.00% APY on balances up to $250,000 for eligible customers
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

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

Learn More

North One Free Business Banking - Up to 2.50% APY

2.50% APY on balances up to $250,000 for eligible customers
Unlimited envelopes for all your business budgets
Integrations with popular accounting and payment processing apps
Automate your bill payments
$50 minimum opening deposit

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

Learn More

Which is Better: North One 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 North One or Novo.

In short: Capital One's checking is outstanding.