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US Bank vs Capital One

US Bank is a big national bank with wide array of services and many account options. How does it compare to Capital One? Read our comparison chart below.

US Bank has over 2,200 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

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

 US Bank
Member FDIC
 Visit SiteLearn More
 

US Bank

Capital One

SPECIAL OFFER
U.S. Bank Smartly® Checking - Up to $450 Bonus - Learn More

Read US Bank Review

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

Read Capital One Review

 

Benefits and Features

Savings0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance, have a $1,000 average monthly collected balance, hold the account with an individual age 12 and under, OR open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Primary tier or above.
4.25% APY
CDStandard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.3.90% to 5.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 5.00%
Checking
Smartly Checking
0.10% APY
Money Market0.01% - 0.25% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Primary tier or above, or maintain a $10,000 minimum daily balance. 
ATMsmore than 37,000 ATMs across the countryOver 70,000 no-fee Capital One & Allpoint ATMs
Customer Service24/7 Live Customer Service (Telephone)
Mon-Sun: 8am - 11pm (ET)
IRA Money MarketMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. 
Locationsmore than 2,000 branches across the country.
273 branches
 

CreditDonkey® Reviews

 US Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
CDStarStarStarStarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarStar
Money MarketStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarHalf Star
Pros & ConsPros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • Low savings APY
Pros:
  • Overdraft protection options
  • No account minimums
  • 27 cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Bottom LineBig national bank with wide array of services and many account options... Read full reviewGood online bank with access to in-person support... Read full review
 Visit SiteLearn More

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

US Bank: Pricing information from published website as of 06/13/2024 based on 91107 zip code.

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

US Bank
Member FDIC

U.S. Bank Smartly® Checking - Up to $450 Bonus

Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through September 26, 2024. Member FDIC.

Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

  • Enroll in online banking or the U.S. Bank Mobile App
  • Make two or more direct deposit(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450

Fund your new account within 30 days to start qualifying activities. Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

Expires 9/26/2024
US Bank
Member FDIC

Silver Business Checking Package - Up to $800 Bonus

Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 16, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $300.

  • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

  • Complete $30,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Expires 9/16/2024
US Bank
Member FDIC

Gold Business Checking Package - Up to $800 Bonus

Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 16, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $300.

  • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

  • Complete $30,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Expires 9/16/2024

Which is Better: US 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 US Bank or Chase.

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


Articles on US Bank

US Bank

Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.

US Bank Savings Account Interest Rate

U.S. Bank offers a beginner-friendly savings account with a low APY. Is it worth it? Read on to find out.

Who Owns US Bank

U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.

US Bank Silver Business Checking Minimum Balance

Does U.S. Bank Silver Business Checking have a minimum balance? Nope! Sounds great, but see if it checks all your boxes.

US Bank Silver Business Checking Fees

Is U.S. Bank Silver Business Checking really free? Here are all the fees you need to know.

US Bank Business Checking Requirements

Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

US Bank Problems

U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

Chase vs US Bank Business Account

U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

U.S. Bank Checking Bonus

Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

US Bank Business Checking Bonus

Boost your business with a U.S. Bank Business Checking bonus. Learn how to make the most out of this offer.

US Bank Routing Number

To transfer money in or out of your US Bank checking or savings account, you'll need the right routing number. Find your US Bank routing number below.

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.

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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