TD Bank vs Capital One
TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to Capital One? Read our comparison chart below.
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.
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 TD Bank with Capital One, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
| SPECIAL OFFER TD $300 Beyond Checking Bonus - Learn MoreRead TD Bank Review | SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn MoreRead Capital One Review |
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| Benefits and Features |
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Savings | 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. | 4.25% APY |
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CD | 1.00% APY (up to 5.00% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account). | 3.75% to 4.50% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.50% |
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Checking | TD Complete Checking, TD Beyond Checking, TD Essential Banking | 0.10% APY |
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Mobile App | iOS & Android | |
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ATMs | 2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs |
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Customer Service | 24/7 Live Customer Service (Telephone) | Mon-Sun: 8am - 11pm (ET) |
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IRA CD | 1.00% APY (up to 5.00% 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). | |
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Locations | over 1,100 locations | 273 branches |
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| CreditDonkey® Reviews |
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Savings | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Empty Star](https://www.i1.creditdonkey.com/images/star-blank.png) ![Empty Star](https://www.i1.creditdonkey.com/images/star-blank.png) | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Half Star](https://www.i1.creditdonkey.com/images/star-half.png) ![Empty Star](https://www.i1.creditdonkey.com/images/star-blank.png) |
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CD | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Half Star](https://www.i1.creditdonkey.com/images/star-half.png) ![Empty Star](https://www.i1.creditdonkey.com/images/star-blank.png) | |
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Checking | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Half Star](https://www.i1.creditdonkey.com/images/star-half.png) | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) |
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Money Market | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Empty Star](https://www.i1.creditdonkey.com/images/star-blank.png) ![Empty Star](https://www.i1.creditdonkey.com/images/star-blank.png) | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Empty Star](https://www.i1.creditdonkey.com/images/star-blank.png) |
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Mobile App | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Half Star](https://www.i1.creditdonkey.com/images/star-half.png) | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Half Star](https://www.i1.creditdonkey.com/images/star-half.png) |
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Customer Service | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) | ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Star](https://www.i1.creditdonkey.com/images/star-full.png) ![Half Star](https://www.i1.creditdonkey.com/images/star-half.png) |
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Pros & Cons | Pros:- Extended banking hours
- Low requirements to waive monthly fees
- No foreign transaction fees
Cons:- No free checking
- Low APY
- Only on East Coast
| Pros:- Overdraft protection options
- No account minimums
- 27 cafes for in-person support
Cons:- Lower savings APY compared to other online banks
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Bottom Line | East Coast bank with relatively low minimum balance requirements... Read full review | Good online bank with access to in-person support... Read full review |
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. TD Bank: Pricing information from published website as of 08/07/2024 based on 08034 zip code. Capital One: Pricing information from published website as of 08/19/2024. |
Which is Better: TD 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 TD Bank or Chase.
In short: Capital One's money market is worth mentioning.
Articles on TD Bank
TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.
TD Bank is offering $300 to open a Beyond Checking account. Find out how to earn the bonus.
TD Bank is open 7 days a week, depending on the location. Here's when you can visit a branch near you.
Open your TD Bank account with ease. All details in this comprehensive guide. Don't miss the bonus.
Find your TD Bank routing number by state. Get the correct number with and without a check.
Articles on Capital One
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.
Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.
Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.
Interested in Capital One 360 CDs? Here are their rates and how to open one.
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.
Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.
Capital One Bank is open 6 days a week. Take a look at their operating hours.
What is the routing number for Capital One? Find the right one for your account with our guide.
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