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TD Bank vs Capital One

TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to Capital One? Read our comparison chart below.

TD Bank has 1,300 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

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

 TD Bank
 Visit SiteLearn More
 

TD Bank

Capital One

SPECIAL OFFER
TD $300 Beyond Checking Bonus - Learn More

Read TD Bank Review

SPECIAL OFFER
Personal Checking Account - $150 Bonus - Learn More

Read Capital One Review

 

Benefits and Features

Savings0.05% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.
0.40% APY
CD0.05% APY (up to 0.05% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).0.10% to 0.80% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%
CheckingTD Simple Checking℠, TD Beyond Checking, TD Convenience Checking℠
0.10% APY
Money Market0.01% - 0.02% APY (up to 0.03% for Rate Bump APY) for amounts up to $250,000. No minimum deposit. $11 or $12 monthly maintenance fee waived if 1) minimum $2000 balance or 2) over 62 years old. 
Customer Service24/7 Live Customer Service (Telephone)
Mon-Sun: 8am - 11pm (ET)
ATMsApproximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and FloridaOver 40,000 no-fee Capital One & Allpoint ATMs
IRA CD0.05% APY (up to 0.05% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).0.10% to 0.80% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%.
Locations1300 locations along the east coast.
Online Only
 

CreditDonkey® Reviews

 TD Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
CDStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarHalf StarStarStarStarStarStar
Money MarketStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarStarStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Pros & ConsPros:
  • Extended banking hours
  • Low requirements to waive monthly fees
  • No foreign transaction fees
Cons:
  • No free checking
  • Low APY
  • Only on East Coast
Pros:
  • Overdraft protection options
  • No account minimums
  • 27 cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Bottom LineEast Coast bank with relatively low minimum balance requirements... Read full reviewGood online bank with access to in-person support... Read full review
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

TD Bank: Pricing information from published website as of 01/08/2020 based on 08034 zip code.

Capital One: Pricing information from published website as of 7/23/2021.

TD Bank
Member FDIC

TD Beyond Checking - $300 Cash Bonus

  • New customers who apply online for a TD Beyond Checking account can earn a $300 cash bonus after receiving direct deposits of $2,500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
  • Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
  • Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Rush Bill Payments and more.
  • Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
  • TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
  • Overdraft Payback - Get overdraft fees automatically reversed up to two times a year.
  • Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
  • TD checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection and 24/7 fraud monitoring.
  • Monthly maintenance fee waived on one TD Simple CheckingSM account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.

Which is Better: TD Bank 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 TD Bank or Chase.

In short: Capital One's money market is worth mentioning.


Articles on TD Bank

TD Bank Review

TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.

TD Bank Hours

TD Bank is open 7 days a week, depending on the location. Here's when you can visit a branch near you.

Open TD Bank Account

Opening an account with TD Bank is simple. Take a look at what you'll need and check out your account options in our guide.

TD Routing Number

Find your TD Bank routing number by state. Get the correct number with and without a check.

Articles on Capital One

Capital One 360

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.

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?





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