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 5,000 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.

	Capital One	Chase
	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review	SPECIAL OFFER Chase Bank $400 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	3.30% APY	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 3.90% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.90%	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	0.10% APY	Chase Total Checking® 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 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	15,000+ Chase ATMs
Customer Service	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)	Automated service available 24/7
Locations	263 branches	Over 5,000
	CreditDonkey® Reviews
Savings
Checking
Mobile App
Customer Service
Pros & Cons	Pros: Overdraft protection options No account minimums Over 50 cafes for in-person support Cons: Other banks have higher APY	Pros: More than 5,000 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Good online bank with access to in-person support... Read full review	National bank with good promotions for new customers... Read full review
	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking Account - $300 Bonus	Chase Bank $400 Bonus Chase Bank $125 Bonus Chase Business Up to $500 Bonus
Capital One: Pricing information from published website as of 01/13/2026. Chase: Pricing information and data points from published website as of 12/29/2025.

Chase Total Checking® - $400 Bonus

Open an Account

Expires 4/15/2026

New Chase checking customers can receive $400 when you open a Chase Total Checking^® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
Chase Total Checking^® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
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*
Chase Mobile^® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
Chase helps 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.

Chase Secure Banking℠ - $125 Bonus

Get $125 Coupon

Expires 3/27/2026

New Chase checking customers enjoy a $125 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 $40 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.
Chase makes it easy for you to access your money from anywhere with the Chase Mobile^® app, plus thousands of ATMs and branches.
JPMorgan Chase Bank, N.A. Member FDIC.

Member FDIC

Chase Business Complete Banking® - Up to $500 Bonus

Get Coupon

Expires 5/14/2026

Earn up to $500 when you open a new Chase Business Complete Checking^® account. For new Chase business checking customers with qualifying activities.
Get added features at no additional costs. Choose Chase Business Complete Banking^® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.

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 Bank of America.

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