Capital One offers high interest rates without all the online fees, however it’s not as high compared to other online banks. They also offer convenience checking and savings under one roof.

While Chase, one of the biggest banks in the Unites States, offers full service banking from personal banking to mortgages to loans, as well as a popular range of credit cards.

Not to mention, they offer more checking options compared to other competitors.

Continue reading below for a more in-depth look for both Capital One and Chase. You can choose to see which one fits your needs the most.


	Capital One	Citibank
Locations	Online based banking	700 Citibank branches across 13 states (Mostly in California and New York)
ATMs	Over 39,000 no-fee Capital One & Allpoint ATMs	2400 ATMs across the country.Also works at all MoneyPass ATMs
Savings	3.5/5	3/5
CD		3/5
Checking	5/5	3/5
Money Market	4/5	N/A
Customer Service	4.5/5	4/5
Mobile App	4.5/5	4.5/5
Pros	-Overdraft protection options -No account minimums -27 Capital One cafes for in-person support	-Perks for high balance customers -Many fee-free ATMs -Global presence
Cons	-Low savings APY compared to other online banks	-No free checking option -Higher balance requirements -Low savings APY
Bottom Line	Capital One offers several banking products like checking and savings.	Citibank is offers credit cards and banking services, but it’s more geared towards people who have high balances in their deposit account.

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Capital One Promotions

Chase Bank Promotions

Chase Business CheckingChase Total Checking®

• Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
• Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
• Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
• Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.

Apply Now at Chase

Read our review & latest Chase Business Checking offers and the latest bank deals from Chase

• New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
• Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
• Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
• Chase Overdraft Assist^SM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
• Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit^SM .
• Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
• Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
• Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.

*With Chase Overdraft Assist^SM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Open an Account

Read our full review of the Chase Total Checking® and the latest bank deals from Chase

Bottom Line

Which Bank is Better: Capital One or Chase?

In summary:

Capital One has a good range of banking services. They are a good online bank that also has access to in-person support.
Chase is a good choice if you’re looking for a bank with full range of services, physical locations, lots of ATMS, and good mobile banking.

For more variety of options, see our list of the best bank account bonuses & savings account offers.