Capital One vs Wells Fargo: Which is Better?

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

Comparatively, Wells Fargo Bank ranks as #1 in the country for availability. With over 6,000 branches available at your disposal, you can take advantage of their personal checking, business checking as well as savings options. However, to learn more about both banks, definitely continue reading below!

	Capital One	Wells Fargo
Locations	Online Only	6,000+ Branches (Bank Locator)
ATMs	Over 39,000 no-fee Capital One & Allpoint ATMs	More than 13,000 ATMs across the country.
Savings	3.5/5	0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, or are under the age of 18.
CD	5/5	Standard Term CD: 0.05% – 0.15% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Special CD: 0.30% APY. Terms of 5 months. Minimum deposit of $5,000. Bonus of up to 0.35% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
Checking	4.5/5	You can choose between a Everyday Checking, Preferred Checking, Business Choice Checking, Platinum Business Checking or Analyzed Business Checking
Money Market	4/5	Not Eligible
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	National availability Extended customer service hours Full service bank
Cons	Lower savings APY compared to other online banks	No free checking option Low interest rates Many misc. banking fees
Bottom Line	Good online bank with access to in-person support.	Wells Fargo offers a wide variety of accounts while allowing you widespread accessibility.

Capital One Promotions

Capital One is an online bank and is currently offering a variety of checking, savings as well as investment accounts to meet your financial needs. Additionally, you will be able to utilize all the account features and benefits associated with your new account.

All Capital One 360 checking accounts come with these features:

• Online Banking: You can access your funds at anytime, anywhere in the world as long as you can access the internet.
• Financial Team: You can consult with a variety of experts to determine the best move for your money
• Mobile Banking & mobile deposits: With a tap of a finger, you can manage your money in the palm of your hand with any smartphone.

What to Open at Capital One

Keep your eye out on these great Capital One products:

• Consider opening a Performance Savings account online to receive an interest rate of 1.50% APY Rate on your funds.

Wells Fargo Promotions

The Wells Fargo checking accounts each come with a Platinum Debit card featuring chip technology. You’ll also get online bill pay, online transfers, and mobile deposit.

• Everyday Checking: Provide a small deposit to qualify. Monthly fee can be waived by making a certain number of debit/credit purchases.
• Preferred Checking: Earn interest if you meet the minimum balance. If you have a Wells Fargo mortgage, your monthly service fee waived for this checking account.
• Portfolio by Wells Fargo: Perfect for those who have a significant amount of money. You may earn higher interest rates with the Portfolio account.

The savings accounts from Wells Fargo are listed below

• Way2Save Savings: Perfect for those who find it hard to save money.
• Platinum Savings: If you keep a higher balance in your savings account, you may have access to higher interest rates with the Platinum Savings.
• Wells Fargo CDs: Perfect for those who can save money aside and earn a higher rate.

Conclusion

In conclusion, Capital One and Wells Fargo both offer fantastic features, service and care for their customers. With a range of checking, savings as well as money market options, you will definitely find an account to personalize your banking experience.

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

Huntington Bank Bonuses & Promotions: $100, $400, $1,000 Checking Offers 2025

Chase Coupon Codes 2025 ($100, $200, $300, $400, $500, $700, $2000 Checking Bonuses)

Discover Bank Promotions: $150/$200 Savings Bonus, $360 Cashback Debit Bonus, Up to 4.10% APY for 2025

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