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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 over 1,100 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

Capital One

SPECIAL OFFER
TD $300 Beyond Checking Bonus - Learn More

Read TD Bank Review

SPECIAL OFFER
Personal Savings Account - $1,500 Bonus - Learn More

Read Capital One Review

 

Benefits and Features

Savings0.02% 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.
3.90% APY
CD1.00% APY (up to 4.00% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
CheckingTD Complete Checking, TD Beyond Checking, TD Essential Banking
0.10% APY
Mobile App
iOS & Android
 
ATMs2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Floridaover 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer Service24/7 Live Customer Service (Telephone)
Mon-Sun: 8am - 11pm (ET)
IRA CD1.00% APY (up to 4.00% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account). 
Locations
over 1,100 locations
262 branches
 

CreditDonkey® Reviews

SavingsStarStarStarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
CDStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarHalf StarStarStarStarStarStar
Money MarketStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarStarStarStarStarStarHalf 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

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 11/26/2024 based on 08034 zip code.

Capital One: Pricing information from published website as of 11/19/2024.

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 Beyond Checking Bonus

TD Bank is offering $300 to open a Beyond Checking account. Find out how to earn the bonus.

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

Open your TD Bank account with ease. All details in this comprehensive guide. Don't miss the bonus.

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 Money Teen Checking Account Review

Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.

Capital One Savings Account Bonus

Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.

Capital One CD Rates

Interested in Capital One 360 CDs? Here are their rates and how to open one.

Capital One High Yield Savings Review

Want to grow your funds passively? Capital One offers a high-yield savings account with a solid APY and easy accessibility. Read on to find out more.

Capital One Checking Account Bonus

Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.

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?





Which Bank Account is Right for You?


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