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.

	Capital One	Chase
		Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review	SPECIAL OFFER Chase Bank $300 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	3.50% 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 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.
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: 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	15,000+ Chase ATMs
Customer Service	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)	Automated service available 24/7
Locations	263 branches	Over 4,700
	CreditDonkey® Reviews

Savings
Checking
Mobile App
Customer Service
CD
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 4,700 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
	Learn More	Visit Site
	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking Account - $300 Bonus	Chase Bank $300 Bonus Chase Bank $100 Bonus Chase Business Up to $500 Bonus
Capital One: Pricing information from published website as of 07/02/2025. Chase: Pricing information and data points from published website as of 07/09/2025.

Member FDIC

Chase Total Checking® - $300 Bonus

Open an Account

Expires 10/15/2025

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.

Member FDIC

Chase Secure Banking℠ - $100 Bonus

Get $100 Coupon

Expires 10/15/2025

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.
JPMorgan Chase Bank, N.A. Member FDIC.

Member FDIC

Chase Business Complete Banking® - Up to $500 Bonus

Get Coupon

Expires 10/16/2025

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.

Articles on Capital One

Capital One 360 Review

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 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

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 Chase

Is Chase a Good Bank

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

Chase Open Account

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

Chase Business Checking Bonus

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.