Capital One vs Wells Fargo: 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.

Whereas, Wells Fargo is another well known bank with more than 5,400 locations offering 13,000 ATMs nationwide. They offer a variety of checking account like Teen Checking or Opportunity Checking for those who have financial troubles.

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	Wells Fargo
Locations	Online based banking	5,400 retail banking branches coast to coast. (Locator)
ATMs	Over 39,000 no-fee Capital One & Allpoint ATMs	More than 13,000 ATMs across the country.
Savings	3.5/5	2.5/5
CD		2/5
Checking	5/5	4/5
Money Market	4/5
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	-Nationwide availability – Large ATM network – Mobile app features – 24/7 account monitoring
Cons	-Low savings APY compared to other online banks	– Make minimal interest – Pay a fee for overdraft protection
Bottom Line	Capital One offers several banking products like checking and savings.	Wells Fargo offer nationwide access to ATMs and branch locations, offering unique features that your bank might not provide.

Wells Fargo Promotions

Wells Fargo Credit Cards

Capital One Promotions

Bottom Line

Which Bank is Better: Capital One or Wells Fargo?

• Capital One has a good range of banking services. They are a good online bank that also has access to in-person support.
• Wells Fargo offers nationwide access to their accounts, if you’re looking for basic banking features their accounts are to go to.

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

Huntington Bank Promotions for April 2025: $100, $400, $1,000 Checking Bonuses – Ends 6/9/25

CIT Bank Promotions April 2025: $225, $300 Bonus + Up to 4.10% Platinum Savings, Savings Connect, CD Rates

Chase Total Checking $300 Bonus – Ends 7/16/25

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