Capital One vs Wells Fargo
Capital One is a good online bank with access to in-person support. How does it compare to Wells Fargo? 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 Wells Fargo is one of America's largest banks with approximately 4,100 locations and more than 11,000 ATMs. Offers many checking options, including Everyday Checking and Clear Access Banking for those who have financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 minimum opening deposit.
Compare Capital One with Wells Fargo, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Capital One | Wells Fargo | |
|---|---|---|
Personal Savings Account - $1,500 Bonus - | Personal Checking Account - $2,500 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under. | |
| CD | 3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00% | Standard Fixed Term CD available online: 2.00% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 2.01% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch. |
| Checking | Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking | |
| Mobile App | ||
| ATMs | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs | 11,000+ ATMs across the country |
| Customer Service | Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET) | Available 24 hours a day, 7 days a week. |
| IRA CD | Standard Term CD: 0.01% to 2.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. | |
| Locations | approximately 4,100 retail banking branches coast to coast | |
CreditDonkey® Reviews | ||
| Savings |   | |
| Checking | |  |
| Mobile App | | |
| Customer Service | | |
| CD | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Good online bank with access to in-person support... | A "big 4" bank with a good range of checking accounts and full services... |
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 03/21/2025. Wells Fargo: Pricing information from the published website as of 03/22/2025 is based on the 91101 zip code. | ||
Which is Better: Capital One or Wells Fargo?
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.
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 Wells Fargo
Wells Fargo Bank Review
Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.
Wells Fargo High Yield Savings
Looking for a traditional bank to grow your funds? Wells Fargo offers a high-yield savings account with a decent rate. Read on to find out more.
Wells Fargo Bank CD Rates
Wells Fargo is one of the largest banks in the U.S. Should you get a Wells Fargo CD? Might be worth considering. Learn more.
Wells Fargo Bank Hours
Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.
Wells Fargo Routing Number
Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.
Which Do You Think is Best?
Which Bank Account is Right for You?
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