Capital One vs Bank of America
Capital One is a good online bank with access to in-person support. How does it compare to Bank of America? Read our comparison chart below.
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.
While Bank of America is one of the largest banks in the U.S. with approximately 3,700 locations and 15,000 ATMs. It is known for good customer service with extended hours. It offers checking, savings, CDs, IRA, and investment accounts through Merrill Edge.
Compare Capital One with Bank of America, side-by-side. Read on for an in-depth look, including ratings and reviews.
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| Learn More | Learn More | |
Capital One | Bank of America | |
|---|---|---|
Capital One Venture X Business Credit Card - | Bank of America Advantage Plus Banking® - Up to $500 Bonus Offer | |
Benefits and Features | ||
| Savings | Bank of America Advantage Savings Standard Rate: 0.01% APY | |
| CD | 3.20% to 3.90% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.90% |
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| Checking |  | |
| Mobile App | ||
| ATMs | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs | |
| Customer Service | Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET) |
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| IRA CD | | |
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |   | |
| Checking | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
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| Bottom Line | Good online bank with access to in-person support... | |
| Learn More | Learn More | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One: Pricing information from published website as of 06/06/2026. Bank of America: Pricing information from published website as of 06/06/2026 based on 91107 zip code. | ||
Bank of America Advantage Plus Banking® - Up to $500 Bonus Offer
- New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. See offer page for more details
- Bank of America N.A. Member FDIC.
Bank of America Advantage Relationship Banking® - Up to $500 Bonus Offer
- New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. See offer page for more details
- Bank of America N.A. Member FDIC.
Bank of America Advantage SafeBalance Banking® - $100 Bonus Offer
- New checking customers only: Get a $100 bonus offer after completing qualifying transactions. See offer page for more details
- Bank of America N.A. Member FDIC.
Which is Better: Capital One or Bank of America?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or Chase.
Articles on Capital One
Capital One 360
Capital One 360 offers free checking and savings accounts with competitive APY rates. Does it live up to its claims? Find out if it's right for you.
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.
Articles on Bank of America
Bank of America Review
Bank of America is a national bank with many account options and user-friendly online banking. But does this convenience come at a cost? Read on.
Bank of America Problems
Bank of America may be one of the biggest banks, but many customers find a lot of issues with their banking services. What are they? Keep reading.
Bank of America CD Rates
Bank of America is one the biggest banks in the U.S. But are their CD rates worth it? Read on to find out.
How to Close a Bank of America Account
Want to close your Bank of America account? Learn how and what you need to do before you close your account.
Bank of America Hours
Bank of America is open 5-6 days a week, depending on the location. Take a look at their business hours below.
Bank of America Routing Number
Find your Bank of America routing number and learn about money transfers in our guide.
Which Do You Think is Best?
Which Bank Account is Right for You?
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