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.
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| 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. |
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. • Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card. • Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions. • Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments. • Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account. • Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business • Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology. • Associate Debit and Employee Deposit Cards available upon request |
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. • JPMorgan Chase Bank, N.A. Member FDIC • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. • Chase Overdraft AssistSM – 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* *With Chase Overdraft AssistSM, 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. |
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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.
