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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.
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
0.10% APY
Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking
Mobile App
iOS & Android
iOS & Android
ATMs
over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
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
263 branches
approximately 4,100 retail banking branches coast to coast
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:
Low requirements for Everyday Checking
Full service bank
24/7 customer service
Cons:
Low savings rates
Not in all states
Bottom Line
Good online bank with access to in-person support... Read full review
A "big 4" bank with a good range of checking accounts and full services... Read full review
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Capital One: Pricing information from published website as of 04/10/2025.
Wells Fargo: Pricing information from the published website as of 04/17/2025 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.
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.