Capital One vs TD Bank

Capital One is a good online bank with access to in-person support. How does it compare to TD Bank? 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 TD Bank has over 1,100 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

Compare Capital One with TD Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Capital One	TD Bank
	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review	SPECIAL OFFER TD $300 Beyond Checking Bonus - Learn More Read TD Bank Review
	Benefits and Features
Savings	3.60% APY	0.02% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.
CD	3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%	1.00% APY (up to 3.75% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).
Checking	0.10% APY	TD Complete Checking, TD Beyond Checking, TD Essential Banking
Mobile App	iOS & Android	iOS & Android
ATMs	over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs	2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
Customer Service	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)	24/7 Live Customer Service (Telephone)
IRA CD		1.00% APY (up to 3.75% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).
Locations	263 branches	over 1,100 locations
	CreditDonkey® Reviews
Savings
Checking
Mobile App
Customer Service
CD
Money Market
Pros & Cons	Pros: Overdraft protection options No account minimums Over 50 cafes for in-person support Cons: Other banks have higher APY	Pros: Extended banking hours Low requirements to waive monthly fees No foreign transaction fees Cons: No free checking Low APY Only on East Coast
Bottom Line	Good online bank with access to in-person support... Read full review	East Coast bank with relatively low minimum balance requirements... Read full review
	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking Account - $300 Bonus	TD $300 Beyond Checking Bonus TD $200 Complete Checking Bonus Referral Program - Up to $500 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 04/10/2025. TD Bank: Pricing information from published website as of 05/09/2025 based on 08034 zip code.

Which is Better: Capital One or TD Bank?

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.

In short: Capital One's savings is worth mentioning.

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