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Citizens Bank vs Capital One

Citizens Bank is an east Coast bank with solid deposit products to help meet goals. How does it compare to Capital One? Read our comparison chart below.

Citizens Bank has over 1,100 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

While 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.

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

 

Citizens Bank

Capital One

SPECIAL OFFER
Personal Checking Account - $400 Bonus - Learn More

Read Citizens Bank Review

SPECIAL OFFER
Personal Savings Account - $1,500 Bonus - Learn More

Read Capital One Review

 

Benefits and Features

SavingsSeveral types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
4.25% APY
CDSeveral types of CD accounts. Terms ranging from 8-14 month. 2.75% - 5.25% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.3.90% to 5.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 5.00%
Checking 
0.10% APY
Money MarketSeveral types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account. 
ATMs
3,200 ATMs across 14 states
Over 70,000 no-fee Capital One & Allpoint ATMs
Customer Service24/7 Telephone Customer Service
Mon-Sun: 8am - 11pm (ET)
IRA CDTerms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. 
Locations
1,100 branches in 14 states
273 branches
 

CreditDonkey® Reviews

SavingsStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarStarStar
Money MarketStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Mobile AppStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarStarStarStarStarStarHalf Star
Pros & ConsPros:
  • One Deposit Checking
  • GoalTrack Savings
  • 24/7 customer service
Cons:
  • Low APY
  • Heavy overdraft fees
  • Limited branches
Pros:
  • Overdraft protection options
  • No account minimums
  • 27 cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Bottom LineEast Coast bank with solid deposit products to help meet goals... Read full reviewGood online bank with access to in-person support... Read full review

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Citizens Bank: Pricing information from published website as of 06/05/2024 based on 10011 zip code.

Capital One: Pricing information from published website as of 07/06/2024.

Which is Better: Citizens Bank or Capital One?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Citizens Bank or Chase.

In short: Capital One's checking, money market, and mobile app are worth mentioning. In particular, the checking is outstanding.


Articles on Citizens Bank

Citizens Bank Review

Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.

Citizens Bank High Yield Savings

Citizens has an online savings account with a competitive APY and no fees. But what's the catch? Continue reading to find out.

Citizens Bank Problems

While Citizens Bank offers easy-to-maintain checking and savings accounts, some customers didn't have the best experience. Here's why.

Articles on Capital One

Capital One 360 Review

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank 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.

Which Do You Think is Best?


Which Bank Account is Right for You?


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About CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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