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Capital One vs. Chase bank accounts

How this banking giant compares to a smaller online institution.

Chase is one of the biggest banks in the country, with Capital One accounts holding their own in the online market. Compare customer service, account features, rates and fees among these two institutions.

Pros and cons of Chase vs. Capital One

Chase

Pros
  • More branches. One of the largest branch networks in the country with more than 4,700 brick-and-mortar locations
  • Sign-up bonuses. You may qualify for sign-up bonuses for new accounts.
  • Larger product lineup. Chase has a much larger product lineup, with its college 529 Plan, mortgages and lines of credit.
Cons
  • Lower rates. Chase‘s interest rates fall well below the national average — and are much lower than Capital One.
  • Higher fees. Chase‘s monthly fees and other service charges are higher than Capital One‘s.

Capital One

Pros
  • Higher rates. You’ll earn far more interest on Capital One‘s deposit accounts.
  • Lower fees. Capital One has lower service fees on all of its accounts.
  • More ATMs. Customers have access to 39,000 ATMs compared to Chase‘s 15,000.
Cons
  • Fewer products. Capital One has fewer financial products than Chase, so you might need to go elsewhere for home loans and investment products.
  • Limited customer service. You’ll only get automated assistance after hours.
  • No sign-up bonuses or rewards. While Capital One offers some rewards credit cards, you won’t get sign-up bonuses or rewards on its deposit accounts.

Chase vs. Capital One savings accounts

Chase offers two savings accounts that offer APYs between 0.01% to 0.11% — if you have a balance of at least $250,000. Capital One only offers one account, but it’s the clear winner in this category for its much higher APY and lower fees.

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Winner: Capital One

1 - 3 of 3
$
Name Product Account type Annual Percentage Yield (APY) FDIC or NCUA insured amount Minimum balance to earn interest Minimum deposit to open Offer Estimated total balance
Chase Savings
Finder Score: 3.3 / 5: ★★★★★
Chase Savings

0.01%

$0.01
$0
$1,000.10
Capital One 360 Performance Savings
Finder Score: 4.8 / 5: ★★★★★
Capital One 360 Performance Savings
Custodial account app

4.35%

$0
$0
$1,043.50
Chase Premier Savings
Finder Score: 2.7 / 5: ★★★★★
Chase Premier Savings

0.01%

0.02%

$0
$25
$1,000.10
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Chase vs. Capital One checking accounts

Chase offers three standard checking accounts compared to Capital One‘s single option. However, there are no monthly fees for the Capital One account and you’ll earn a minimum of interest, making it the much stronger option here.

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Winner: Capital One

Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
Chase Business Complete Banking®
Finder Score: 2.8 / 5: ★★★★★
Bonus
Chase Business Complete Banking®
$15 per month
(can be waived)
$0
N/A
Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
This Chase business checking gives you free same-day deposits, up to $5,000 no-fee cash deposits per month, and unlimited debit card purchases. Plus, a $300 sign up bonus offer.
Capital One 360 Checking
Finder Score: 4.6 / 5: ★★★★★
Capital One 360 Checking
$0 per month
$0
0.10%
A fee-free online checking account you can use anytime, anywhere.
Chase Total Checking®
Finder Score: 3 / 5: ★★★★★
Bonus
Chase Total Checking®
$12 per month
(can be waived)
$0
N/A
New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.
Chase Total Checking® is easy to use and gives you access to more than 15,000 Chase ATMs and more than 4,700 branches. It offers a $300 signup bonus to new Chase customers. Member FDIC.
Chase Premier Plus Checking
Finder Score: 2.5 / 5: ★★★★★
Chase Premier Plus Checking
$25 per month
(can be waived)
$0
0.01%
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Chase vs. Capital One certificates of deposit

Both banks offer multiple certificates of deposit, but Chase has far more term options. However, its rates pale in comparison to what its competitor offers, making Capital One the winner in this category.

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Winner: Capital One

1 - 3 of 3
Name Product 6-month APY 1-year APY 5-year APY Minimum deposit to open
Capital One 360 CDs
Finder Rating: 5 / 5: ★★★★★
Capital One 360 CDs
4.35%
4.90%
4.00%
$0
Chase CD Relationship
Finder Rating: 1.6 / 5: ★★★★★
Chase CD Relationship
4.00%
3.00%
2.00%
$1,000
Chase CD
Finder Rating: 1.6 / 5: ★★★★★
Chase CD
0.01%
0.01%
0.01%
$1,000
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Other products from Chase and Capital One

Both banks offer a range of other products, but Chase is a much larger institution with a broader product lineup.

    Chase

  • Personal, car and student loans
  • Home loans and refinancing
  • Credit cards and reloadable cards
  • IRAs
  • Business and commercial banking
  • Brokerage accounts
  • Student and military banking
  • You Invest
  • Chase Private Client

    Capital One

  • Car loans
  • Home loans and refinancing
  • Credit cards
  • IRAs
  • IRA CDs
  • Business and commercial banking
  • Kid and teen checking

Chase and Capital One branches and ATMs

Customer service is available seven days a week for both banks, but Chase‘s customer service is far more accessible:

ChaseCapital one
BranchesMore than 4,700550 + 35 Capital One Cafés
ATMsMore than 15,00039,000+
Customer service
  • Phone 24/7
  • Social media
  • Live chat
  • Phone 8 a.m.–11 p.m.

Special features of Chase and Capital One

Both banks have special features that make them stand out from their competition:

Chase
  • Opening bonuses
  • 24/7 customer service
Capital One
  • Capital One Cafés
  • CreditWise credit score tool

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Winner: Tie

Bottom line

Chase and Capital One offer significantly different banking experiences with a range of banking products. If you prefer online banking with higher rates and lower fees, Capital One could be for you. Go with Chase if you want more branch access and opening bonuses. If you want to compare more options, you may find something that better meets your needs.

Frequently asked questions

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