Capital One vs TD Bank: Which Is Better?

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 TD Bank offers a low minimum balance requirement as well as extending banking hours with a 24/7 customer service by phone.

They offer different types of banking services depending on your needs – from personal checking to investment options like CDs.

Continue reading below to see a side-by-side comparison between the two banks, so you can see which one offers the services you need the most

	Capital One	TD Bank
Locations	Online based banking	1,300 locations along the east cost (Locator)
ATMs	Over 39,000 no-fee Capital One & Allpoint ATMs	1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
Savings	3.5/5
CD
Checking	5/5
Money Market	4/5
Customer Service	4.5/5
Mobile App	4.5/5
Pros	-Overdraft protection options -No account minimums -27 Capital One cafes for in-person support	-Extended banking hours -Low requirements to waive monthly fees -No foreign transaction fees
Cons	-Low savings APY compared to other online banks	-No free checking -Low APY -Only on East Coast
Bottom Line	Capital One offers several banking products like checking and savings.	TD Bank offers a variety of banking services that includes saving, checking, and CDs.

Capital One Promotions

TD Bank Promotions

• Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days • Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Overdraft Payback and more. • Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more within a statement cycle, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts. • TD ATM fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance • Get overdraft fees automatically reversed up to two times a year. • Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle. • TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring. • Monthly maintenance fee waived on one TD Simple CheckingSM account and any Savings accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments. Apply Now at TD Bank

With the TD Convenience CheckingSM Account: • Earn $200 when you receive direct deposits totaling $500 or more within 60 days • Low minimum daily balance of $100 waives the $15 monthly fee. • Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee. • Instantly replace a lost, stolen, or damaged debit card by visiting a TD Bank location near you • Access accounts via Online Banking with Bill Pay, Online Statements, Send Money with Zelle and TD Bank Mobile Deposit. Plus, get 24/7 cash access at TD ATMs in the U.S. and Canada and around-the-clock Live Customer Service. • TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring. • Get a 0.25% discount on TD Bank Home Equity and Personal Loans. Apply Now at TD Bank

Compare to Other Bank 

Capital One:

• Capital One vs Wells Fargo
• Capital One vs Citibank
• Capital One vs HSBC Bank
• Ally Bank vs Capital One
• M&T Bank vs Capital One
• Bank of America vs Capital One

TD Bank:

• TD Bank vs Ally Bank
• TD Bank vs Citibank
• TD Bank vs Wells Fargo
• TD Bank vs PNC Bank
• TD Bank vs SunTrust Bank
• TD Bank vs Capital One
• TD Bank vs Bank of America
• TD Bank vs Regions Bank

Bottom Line

Which Bank is Better: Capital One or TD Bank?

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.
• If you live in the near the East Coast, take advantage of the many accounts that TD Bank has to offer as well as the extended customer hours and easy online banking.

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

More on Capital One:

• What Are Capital One’s Hours?
• How To Open a Capital One Account
• How To Find and Use Your Capital One Login
• Capital One Routing Number

More on TD Bank:

• What Are TD Bank’s Hours?
• TD Bank Routing Numbers By State
• How To Open a TD Bank Account
• How To Find and Use Your TD Bank Login

Discover Bank Promotions for June 2023: $200/$150 Savings Bonus, $360 Cashback Debit

SoFi Promotions: $10, $25, $50, $100, $275, $300, $1,000, $5,000 Bonuses For Checking, Savings, Invest, Student Loan, Personal Loan Products

Huntington Bank Promotions for June 2023: $100, $200, $300, $400, $1,000 Checking Bonuses – Ends 9/7/23

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