TD Bank vs Capital One

TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to Capital One? Read our comparison chart below.

TD Bank has over 1,100 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

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

	TD Bank	Capital One
	SPECIAL OFFER TD $300 Beyond Checking Bonus - Learn More Read TD Bank Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	0.02% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.	3.80% APY
CD	up to 3.00% APY (up to 4.00% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).	3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
Checking	TD Complete Checking, TD Beyond Checking, TD Essential Banking	0.10% APY
Mobile App	iOS & Android
ATMs	2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida	over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer Service	24/7 Live Customer Service (Telephone)	Mon-Sun: 8am - 11pm (ET)
IRA CD	1.00% APY (up to 4.00% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).
Locations	over 1,100 locations	262 branches
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Extended banking hours Low requirements to waive monthly fees No foreign transaction fees Cons: No free checking Low APY Only on East Coast	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 relatively low minimum balance requirements... Read full review	Good online bank with access to in-person support... Read full review
	TD $300 Beyond Checking Bonus TD $200 Complete Checking Bonus Referral Program - Up to $500 Bonus	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. TD Bank: Pricing information from published website as of 12/12/2024 based on 08034 zip code. Capital One: Pricing information from published website as of 12/18/2024.

Which is Better: TD 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 TD Bank or Chase.

In short: Capital One's money market is worth mentioning.

Articles on TD Bank

TD Bank Review

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