Capital One Review 2024 | Bankrate (2024)

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Capital One Review 2024 | Bankrate (1)Best big bank

Capital One Review 2024 | Bankrate (2)

4.7

Rating: 4.7 stars out of 5

Bankrate Score

CDs

Rating: 4.9 stars out of 5

Checking

Rating: 5 stars out of 5

Savings

Rating: 4.4 stars out of 5

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

About Bankrate Score

Overview

Capital One is ideal for consumers looking for competitive rates and no monthly fees along with the experience of a full-service bank. It offers access to a wide network of no-fee ATMs and branch locations in select states.

Highlights

  • High APY
  • Digital Leader
  • No Monthly Fees

Sponsored offers

Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.

These are sponsored offers rated highly by us for competitive rates, fees, and minimums.

Capital One Review 2024 | Bankrate (3)

Member FDIC

Savings Account

5.10

%

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

As of 7/8/2024

Rating: 4.7 stars out of 5

Bankrate Savings rating = 4.7/5

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

$0

Min. balance for APY

View offerArrow Right

Promoted offer:

Capital One Review 2024 | Bankrate (5)

Member FDIC

Savings Account

5.10

%

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

As of 7/8/2024

Rating: 4.7 stars out of 5

Bankrate Savings rating = 4.7/5

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

$0

Min. balance for APY

View offerArrow Right

Promoted offer: 0 Monthly Acct Fees. No Balance Cap to Earn APY.

Capital One Review 2024 | Bankrate (7)

Member FDIC

Savings Account

4.35

%

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

As of 7/8/2024

Rating: 4.9 stars out of 5

Bankrate Savings rating = 4.9/5

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

$0

Min. balance for APY

View offerArrow Right

Promoted offer:

Overall

Capital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in a handful of states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and certificate of deposit accounts (CDs) and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.

Capital One was named best big bank and best bank for ATM access as part of the 2024 Bankrate Awards, which recognizes the best financial products available to consumers.

Pros

  • Capital One offers no-fee access to more than 70,000 ATMs.

  • You’ll earn competitive rates on savings and CD accounts.

  • Checking and savings accounts feature no minimum balance requirements.

  • The mobile app is highly rated by iPhone and Android users.

Cons

  • Bank branches are limited to just a handful of states.

  • Capital One no longer offers money market accounts for new customers.

Capital One Review 2024 | Bankrate (19)

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Do you have experience with Capital One? Let us know your thoughts.

Capital One banking products

4.4

/5

Rating: 4.4 stars out of 5

See methodologyCompare savings rates

SCORE BREAKDOWN

APY offering:

4.25%

Rating: 4 stars out of 5

4/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

Minimum balance to earn interest:

$0.00

Rating: 5 stars out of 5

5/5

The lowest deposit amount an account must have before it can earn interest.

Monthly service fee:

$0.00

Rating: 5 stars out of 5

5/5

A monthly charge a financial institution deducts from an account if certain requirements are not met.

Minimum balance to avoid fee:

$0.00

Rating: 5 stars out of 5

5/5

The lowest balance an account must maintain in order to avoid a fee.

Access to funds:

Good

Rating: 4 stars out of 5

4/5

A procedure that allows an individual or organization to access and manage the funds of another account holder.

Capital One savings overview

Capital One’s 360 Performance Savings account offers a competitive yield and doesn’t have a minimum balance requirement, making it suitable for all savers. Users can set savings goals and automatic savings plans (with funds transferred from a Capital One 360 checking account) for additional budgeting ease.

Pros

  • The 360 Performance Savings account has no monthly services fees.

  • The Capital One app allows you to make mobile deposits and set up an automated savings plan.

  • No minimum balance is required to open or maintain an account.

Cons

  • The 360 Performance Savings account doesn’t include a debit card or an ATM card.

  • Higher rates can be found at other online-only banks.

  • The Capital One savings account rate is 4.25% APY. This yield has increased by 0.1 percentage points over the past year. The rate is higher than the national average yield of 0.56% APY, according to Bankrate's latest weekly survey of institutions.

    Capital One

    APY

    APY last updated between 7/1 and 7/7.

    APY

    APY last updated between 7/1 and 7/7.

    National average APY

    How do we get this data?

    Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

Compare Offer

Sponsored Offer

Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.

This is a sponsored offer rated 4 stars or higher for competitive rate, fees, and minimums.

Capital One Review 2024 | Bankrate (20)

Member FDIC

Savings Account

5.10

%

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

As of 7/8/2024

Rating: 4.7 stars out of 5

Bankrate Savings rating = 4.7/5

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

$0

Min balance for APY

View offerArrow Right

Promoted offer:

4.9

/5

Rating: 4.9 stars out of 5

See methodologyCompare CD rates

SCORE BREAKDOWN

APY offering:

5.00%

Rating: 5 stars out of 5

5/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.

Minimum deposit:

$0.00

Rating: 5 stars out of 5

5/5

The minimum deposit amount a financial institution requires in order to open a CD.

Range of term lengths:

6 mos – 5 yrs

Rating: 5 stars out of 5

5/5

A designated amount of time that funds must be held within a CD.

Early withdrawal penalty:

Good

Rating: 4 stars out of 5

4/5

A penalty incurred when funds have been withdrawn from a CD before its maturity date.

Offer no-penalty or bump-up CDs:

No

Rating: 0 stars out of 5

0/5

A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date.

Offer IRA CDs:

Yes

Rating: 5 stars out of 5

5/5

An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.

Capital One CD overview

Capital One offers 10 terms of CDs that range from six months to five years. Rates are competitive for a big bank, and no minimum deposit is required.

Early withdrawal penalties vary based on term length. For CDs of one year or less, the early withdrawal penalty is three months of interest, while the penalty for CDs with terms longer than one year is six months of interest.

Pros

  • No minimum deposit is required to open a CD.

  • Capital One CDs pay competitive APYs for a big bank.

Cons

  • Capital One Bank doesn’t offer a no-penalty CD or a rate bump CD. Some of its competitors offer these CDs.

  • See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.

    Capital One

    APY

    APY last updated between 7/1 and 7/7.

    APY

    APY last updated between 7/1 and 7/7.

    National average APY

    How do we get this data?

    Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

Compare Offer

Sponsored Offer

Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.

This is a sponsored offer rated 4 stars or higher for competitive rate, fees, and minimums.

Capital One Review 2024 | Bankrate (22)

Member FDIC

CD

5.15

%

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

As of 7/8/2024

Rating: 4.9 stars out of 5

Bankrate CD rating = 4.9/5

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

$500

Min. deposit

1yr

Term

View offerArrow Right

Promoted offer:

5.0

Rating: 5 stars out of 5

Bankrate Score

Compare top checking rates

Capital One checking overview

The Capital One 360 Checking account is an interest-bearing account. The account is fee-free and offers customers access to mobile deposits and online bill payments. It also offers a free first checkbook with 50 checks.

Capital One doesn’t charge overdraft or non-sufficient funds (NSF) fees. Customer transactions that would overdraw an account may be declined, or an automatic transfer of funds can take place from a linked savings or money market account. If a customer agrees to it in their account settings, Capital One may consider approving ATM withdrawals and one-time debit card purchases. In such cases, a deposit must be made promptly to cover the overdraft.

Capital One 360 Checking users have access to more than 70,000 fee-free ATMs, including ATMs in the Allpoint and MoneyPass networks.

In addition, mobile app users can utilize Capital One’s Add Cash in Store feature to deposit up to $999 a day up to five times a month at CVS and Walgreens stores through a cashier.

Also, with Capital One’s early paycheck feature, direct deposit customers may be able to receive paychecks or other funds up to two days early.

Pros

  • The 360 Checking account earns interest on all balances and requires no minimum balance.

  • Customers have access to more than 70,000 ATMs in Capital One’s own network and the Allpoint and MoneyPass networks.

  • Mobile app users can deposit cash at CVS and Walgreens stores.

  • Your first order of checks is free.

Cons

  • Some competitors offer higher rates on interest checking accounts.

  • Capital One charges $30 for outgoing domestic wire transfers. That’s more than some banks charge for this service.

Compare Offer

Sponsored Offer

Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.

This is a sponsored offer rated 4 stars or higher for competitive rate, fees, and minimums.

Capital One Review 2024 | Bankrate (24)

Member FDIC

Checking Account

0.50

%

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account.

As of 7/8/2024

Rating: 4.9 stars out of 5

Bankrate Checking rating = 4.9/5

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

$0

To open

$0

To avoid fees

View offerArrow Right

Compare more:Bankrate's best saving account offers

Bank fees

FeeCharged?
Overdraft feeNone
Non-sufficient funds feeNone
Account maintenance feesNone
Out-of-network ATM feeNone
Excessive transaction feeNone

Find out:Tips to avoid common bank fees

Customer experience

Customer support

Physical presence. Capital One has nearly 300 branches in select states for in-person banking, and it operates around 50 Capital One Cafés, where customers can open accounts, as well as deposit cash and checks. Customers can also access more than 70,000 fee-free ATMs through Capital One's owned-and-operated machines, and the Allpoint and MoneyPass networks. Mobile app users can take advantage of the Add Cash in Store feature to deposit cash at CVS and Walgreens stores through a cashier.

Customer service hours. Deposit account holders can reach out to representatives over the phone daily from 8 a.m. to 11 p.m. ET. Automated services, including Capital One’s digital assistant Eno, are available 24/7.

High customer satisfaction. Capital One scored highly in overall customer satisfaction among online-only banks for its checking product, according to J.D. Power’s 2023 Direct Banking Satisfaction Study. Though satisfaction for its savings product was below average.

Digital experience

Highly rated mobile app. Capital One’s mobile app, which has been reviewed by more than 9 million users, earned high marks on the Android and iOS app stores. The bank was the first in the U.S. to launch a skill for Amazon’s Alexa so that customers can voice commands to search for information, such as bank account balances. All this noted, a Bankrate staff member with a Capital One account commented that the app lacked useful breakdowns of spending and saving patterns; instead, there’s just a very basic money in, money out module.

Digital assistant. Capital One has a digital assistant called Eno, which you can interact with on the app or over text. Eno can be used to check your balance, recent transactions, available credit and payment dates. It can also be used to activate, lock or replace a card and even pay bills. “Eno is very easy to use, and I found it helpful when trying to find information on how to set up Apple Pay,” said a Bankrate staff member with a Capital One account. “Although when I asked it to explain how early direct deposit works, it couldn’t come up with an answer.”

Manage Funds

The above images were last updated on March 13, 2024.

Complaints

Data breach fine. The Office of the Comptroller of the Currency, a U.S. bank regulator, ordered Capital One to pay an $80 million fine because the bank failed to ”establish effective risk assessment processes prior to migrating significant information technology operations to the public cloud environment.” Moreover, the bank failed to correct these deficiencies in a timely manner, resulting in a massive data breach of their customer’s information in 2019.

Bankrate staff insight

“With Capital One, I can get a solid APY on a checking account that exceeds what most of the big banks are offering on their savings accounts — so that’s a big differentiator,” says a Bankrate staff member who uses a Capital One account personally. “At the same time, knowing that I could get to a branch if necessary gives Capital One a big edge against the top online competitors who lack a physical presence. However, the branch network is on the thin side, so that’s one area that I can note that gives other big banks an edge for convenient access to in-person services.”

About Capital One

The banking unit of Capital One Financial Corp. offers checking and savings accounts, as well as CDs. Richard Fairbank and Nigel Morris started building Capital One (then as a unit of Signet Bank) in 1988. In 1994, Capital One spun off under its name, offering credit cards. In 2012, Capital One acquired ING Direct and rebranded the lender as Capital One 360.

Capital One is ideal for consumers looking for competitive yields, a highly rated banking app and access to a wide network of no-fee ATMs.

Capital One operates almost 300 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.

Learn more:Capital One CD rates

How Capital One compares to other banks

Compare different account types offered by Capital One. Annual percentage yields (APYs) shown were updated between July 1, 2024 and July 7, 2024.

Selected bank

Capital One savings account

Capital One Review 2024 | Bankrate (28)

Member FDIC

Bankrate score

Rating: 4.4 stars out of 5

4.4

Bankrate Savings rating = 4.4/5

Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.

Most comparable

Ally Bank savings account

Capital One Review 2024 | Bankrate (29)

Member FDIC

Bankrate score

Rating: 4.4 stars out of 5

4.4

Bankrate Savings rating = 4.4/5

Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.

Read review

Search for or select a bank:

Capital One Review 2024 | Bankrate (31)

Bankrate score

Bankrate Savings rating

Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.

Read review

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between July 1, 2024 and July 7, 2024.

4.25%4.20%

Minimum balance for APY

$0.00$0.00

Estimated earnings

Interest earned calculation based on a $25,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.

$1,063$1,050
Capital One’s 360 Performance Savings Account earns a competitive yield. It doesn’t require a minimum opening deposit and you won’t pay a monthly service fee with this account. Capital One is one of the few online banks that you can visit at a branch location to withdraw cash.Ally Bank consistently offers a competitive yield on its Online Savings Account. The online bank doesn’t have the absolute highest yield, but it offers a competitive one and doesn’t have a minimum balance requirement or a monthly service fee. The bank offers mobile deposit, but you’ll need to transfer money to the Ally checking account or money market account if you want to access money in your savings from an ATM.
  • The bank pays a competitive yield on its 360 Performance Savings Account.
  • The Capital One 360 Performance Savings Account doesn’t have a monthly service fee.
  • You don’t need a minimum opening deposit.
  • You can deposit checks through mobile deposit with this account.
  • Ally Bank offers a competitive yield on its Online Savings Account.
  • Ally Bank has savings tools, such as Surprise Savings where Ally Bank looks at your linked checking account for savings opportunities.

    N/A

  • Some banks offer a higher yield on their savings accounts.
  • Ally Bank doesn’t offer ATM access directly from its savings account.
  • Some other online banks offer a higher yield than Ally Bank.

    N/A

APY offering:

4.25%

4/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

Minimum balance to earn interest:

$0.00

5/5

The lowest deposit amount an account must have before it can earn interest.

Monthly service fee:

$0.00

5/5

A monthly charge a financial institution deducts from an account if certain requirements are not met.

Minimum balance to avoid fee:

$0.00

5/5

The lowest balance an account must maintain in order to avoid a fee.

Access to funds:

Good

4/5

A procedure that allows an individual or organization to access and manage the funds of another account holder.

APY offering:

4.20%

4/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

Minimum balance to earn interest:

$0.00

5/5

The lowest deposit amount an account must have before it can earn interest.

Monthly service fee:

$0.00

5/5

A monthly charge a financial institution deducts from an account if certain requirements are not met.

Minimum balance to avoid fee:

$0.00

5/5

The lowest balance an account must maintain in order to avoid a fee.

Access to funds:

Good

4/5

A procedure that allows an individual or organization to access and manage the funds of another account holder.

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

The lowest deposit amount an account must have before it can earn interest.

A monthly charge a financial institution deducts from an account if certain requirements are not met.

The lowest balance an account must maintain in order to avoid a fee.

A procedure that allows an individual or organization to access and manage the funds of another account holder.

Bankrate does not currently track additional product details for this bank.

Selected bank

Capital One CD

Capital One Review 2024 | Bankrate (32)

Member FDIC

Bankrate score

Rating: 4.9 stars out of 5

4.9

Bankrate CD rating = 4.9/5

Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.

Most comparable

American Express National Bank CD

Capital One Review 2024 | Bankrate (33)

Member FDIC

Bankrate score

Rating: 4.3 stars out of 5

4.3

Bankrate CD rating = 4.3/5

Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.

Read review

Search for or select a bank:

Capital One Review 2024 | Bankrate (35)

Bankrate score

Bankrate CD rating

Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.

Read review

APY

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between July 1, 2024 and July 7, 2024.

5.00%4.50%

Minimum deposit

$0.00$0.00

Term

1 yr11 mos
Capital One offers a competitive yield on its CDs. It has pretty much every CD you’d need to build a CD ladder. It offers nine terms of CDs ranging from a six-month CD to a five-year CD. This is a CD for nearly anybody since it doesn’t require a minimum to open the CD like some of its competitors.American Express offers a handful of CDs, and most of them offer a competitive yield. Even the terms with lower APYs are still solid, albeit not the best on the market right now. There is no minimum balance requirement to open a CD.
  • Capital One offers competitive yields on its CDs.
  • Capital One has pretty much all of the standard CD terms you’d need.
  • There’s no minimum deposit required to open a CD.
  • Account holders can opt to receive interest disbursem*nts monthly or annually.
  • Most American Express CDs offer high yields.
  • There is no minimum balance requirement to open a CD.

    N/A

  • The shortest term available is six months.
  • Capital One doesn’t offer a no-penalty CD.
  • American Express doesn’t offer CDs shorter than 11 months.
  • Some American Express CDs offer solid but relatively low yields.

    N/A

APY offering:

5.00% - 1 yr

5/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.

Minimum deposit:

$0.00

5/5

The minimum deposit amount a financial institution requires in order to open a CD.

Range of term lengths:

6 mos - 5 yrs

5/5

A designated amount of time that funds must be held within a CD.

Early withdrawal penalty:

Good

4/5

A penalty incurred when funds have been withdrawn from a CD before its maturity date.

Offer no-penalty or bump-up CDs:

No

0/5

A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date.

Offer IRA CDs:

Yes

5/5

An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.

APY offering:

4.50% - 11 mos

4/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.

Minimum deposit:

$0.00

5/5

The minimum deposit amount a financial institution requires in order to open a CD.

Range of term lengths:

11 mos - 5 yrs

4/5

A designated amount of time that funds must be held within a CD.

Early withdrawal penalty:

Good

4/5

A penalty incurred when funds have been withdrawn from a CD before its maturity date.

Offer no-penalty or bump-up CDs:

No

0/5

A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date.

Offer IRA CDs:

Yes

5/5

An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.

The minimum deposit amount a financial institution requires in order to open a CD.

A designated amount of time that funds must be held within a CD.

A penalty incurred when funds have been withdrawn from a CD before its maturity date.

A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date.

An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.

Bankrate does not currently track additional product details for this bank.

Capital One vs. Chase Bank

Capital One and Chase are both big banks that maintain some branches and also offer options for digital account management. While Capital One offers nearly 300 branches in a handful of states, Chase operates more than 4,700 branches, with locations in nearly every state.

When it comes to rates, Capital One’s 360 Performance Savings account pays an APY that’s more than 400 times greater than the rock-bottom yield of the Chase Savings account. Likewise, Capital One’s CD rates are higher than those of Chase, including the higher relationship CD rates Chase offers to customers who also have a Chase checking account.

As far as checking accounts, Capital One’s 360 Checking account earns interest, whereas Chase’s Total Checking account is non-interest bearing. Capital One doesn’t charge for overdrafts, while Chase may charge up to three such fees each day. Neither bank charges a non-sufficient funds fee.

Learn more:The best banks of 2024

Capital One FAQs

Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.

Capital One Review 2024 | Bankrate (2024)
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