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 16,000 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 Checking Account - $100 Bonus - Learn More Read Capital One Review	SPECIAL OFFER Chase Bank $225 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	0.40% APY	Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked 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	0.10% to 0.80% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%	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 $250,000 on deposit with Chase.
Customer Service	Mon-Sun: 8am - 11pm (ET)
ATMs	Over 40,000 no-fee Capital One & Allpoint ATMs	16,000 Chase ATMs
IRA CD	0.10% to 0.80% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%.
Locations	Online Only	Over 4,700
	CreditDonkey® Reviews

Savings
Checking
Money Market
Customer Service
Mobile App
Pros & Cons	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low interest 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 Checking Account - $100 Bonus 360 Performance Savings - 0.40% APY 360 Checking Account	Chase Bank $225 Bonus Chase Business $300 Bonus Chase Bank $100 Bonus
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 10/16/2021. Chase: Pricing information and data points from published website as of 12/17/2020

Member FDIC

Chase Total Checking® - $225 Bonus

Get $225 Coupon

Expires 1/19/2022

New Chase checking customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
Access to 16,000 Chase ATMs and more than 4,700 branches
Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
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 Business Complete Banking℠ - $300 Bonus

Get $300 Coupon

Expires 1/20/2022

Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
More ways to waive fees. Multiple options to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card
Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠.
Same-day deposits with QuickAccept℠. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
Alerts to help you stay on top of your account activity.
Easy account management through Chase Business online and the Chase Mobile® app.
Unlimited electronic deposits, ACH and Chase Quick Deposit℠.
Convenient access to 16,000 ATMs and more than 4,700 branches.

Member FDIC

Chase Secure Banking℠ - $100 Bonus

Get $100 Coupon

Expires 1/19/2022

New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying activities.
No minimum deposit to open, no fees for Chase Online℠ Bill Pay, money orders, cashier's checks or to send money
No paper checks to track
Just a simple $4.95 monthly service fee
Use the Chase debit card to help you spend only the money you have available, without worrying about overdraft fees.
Bank with the Chase Mobile® app and Chase Online℠
Get helpful account alerts so you can monitor your balance and more.
No need to worry about unauthorized card transactions when reported promptly with Zero Liability Protection.

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 CIT Bank.

In short: Capital One's checking is outstanding.

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