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Capital One vs Chase
Capital One is a good online bank with access to in-person support. How does it compare to Chase? 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 Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.
Compare Capital One with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open.
Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD
3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Mobile App
iOS & Android
iOS & Android
ATMs
over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
Open your account online now
Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
Chase Secure Banking℠ customers told us they save an average of more than $60 per month on fees after opening their account.
Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
Multiple ways to connect with Chase. Get personal attention paired with a large-scale presence, including more than 4,900 local branches and 15,400 ATMs. Plus, bank on your phone with the Chase Mobile® app.
Chase for Business guidance you can count on. Access business insights and tools to help you grow. Meet with our team of bankers or go to our online Resource Center to find helpful information.
Chase Business Complete Checking does more for your business. Featuring multiple ways to pay and get paid, like built-in invoicing and card acceptance, Zelle®, and Tap to Pay on iPhone, to help improve your cash flow.
Waivable service fee. Multiple ways to waive the $15 Monthly Service Fee, like keeping a $2,000 minimum daily balance or making at least $2,000 in purchases per month with your Chase Ink® Business credit card.
Which is Better: Capital One or Chase?
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 Discover Bank.
In short: Capital One's savings and checking are worth mentioning. In particular, the checking is outstanding.
Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.