Citizens Bank vs Capital One

Citizens Bank is an east Coast bank with solid deposit products to help meet goals. How does it compare to Capital One? Read our comparison chart below.

Citizens Bank has over 1,100 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

While Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

Compare Citizens Bank with Capital One, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Citizens Bank	Capital One
	SPECIAL OFFER Personal Checking and Savings Account - $400 Bonus - Learn More Read Citizens Bank Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.	3.90% APY
CD	Several types of CD accounts. Terms ranging from 7-14 month. 2.75% - 4.50% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.	3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
Checking		0.10% APY
Money Market	Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
ATMs	3,200+ ATMs across 14 states	over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer Service	24/7 Telephone Customer Service	Mon-Sun: 8am - 11pm (ET)
IRA CD	Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	1,100 branches in 14 states	262 branches
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: One Deposit Checking GoalTrack Savings 24/7 customer service Cons: Low APY Heavy overdraft fees Limited branches	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
Bottom Line	East Coast bank with solid deposit products to help meet goals... Read full review	Good online bank with access to in-person support... Read full review
	Personal Checking and Savings Account - $400 Bonus Personal Checking Account - $300 Bonus 7-Month CD - 4.50% APY	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking Account - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Citizens Bank: Pricing information from published website as of 11/25/2024 based on 10011 zip code. Capital One: Pricing information from published website as of 11/19/2024.

Which is Better: Citizens Bank or Capital One?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Citizens Bank or Bank of America.

In short: Capital One's checking, money market, and mobile app are worth mentioning. In particular, the checking is outstanding.

Articles on Citizens Bank

Citizens Bank Review

Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.

Citizens Bank High Yield Savings

Citizens has an online savings account with a competitive APY and no fees. But what's the catch? Continue reading to find out.

Citizens Bank Problems

While Citizens Bank offers easy-to-maintain checking and savings accounts, some customers didn't have the best experience. Here's why.

Articles on Capital One

Capital One 360 Review

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.