TIAA Bank vs Capital One

TIAA Bank is an online bank offering high rates if you have a large deposit. How does it compare to Capital One? Read our comparison chart below.

TIAA Bank promises to deliver a yield in the top 5% of competitive accounts for their Yield Pledge accounts. Checking requires a minimum of $100. Money Market Account requires a minimum opening deposit of $500. High APY. All accounts have no monthly service fees.

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

	TIAA Bank	Capital One
		SPECIAL OFFER 360 Performance Savings - 4.35% APY - Learn More Read Capital One Review
	Benefits and Features
Savings		4.35% APY
CD	Basic CD: 3.95% - 5.25% APY. Terms of 3 months to 5 years. Minimum deposit of $1,000. No monthly service fee.	4.10% to 5.25% APY. Terms of 6 months to 5 years. 12-month CD APY of 5.25%
Checking	Yield Pledge Checking: Up to 0.25% APY. Minimum deposit of $100. No monthly service fee.	0.10% APY
Money Market	Up to 4.75% APY. No monthly service fee. Minimum deposit of $500.
Customer Service		Mon-Sun: 8am - 11pm (ET)
ATMs		Over 70,000 no-fee Capital One & Allpoint ATMs
Locations		Online Only
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & Cons	Pros: High APY No monthly service fees Refund ATM fees Cons: Large minimum deposit	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
Bottom Line	Online bank offering high rates if you have a large deposit... Read full review	Good online bank with access to in-person support... Read full review
		360 Performance Savings - 4.35% APY Capital One 1 Year CD - 5.25% APY 18-Month CD - 5.00% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. TIAA Bank: Pricing information from published website as of 09/02/2023. Capital One: Pricing information from published website as of 12/09/2023.

Which is Better: TIAA 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 TIAA Bank or Chase.

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

Articles on TIAA Bank

TIAA Bank Review

If you have a large opening deposit, TIAA Bank provides a variety of options at high rates. But there are downsides. Read on to see if it's right for you.

TIAA Bank vs Chase

Articles on Capital One

Capital One 360

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.