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DEFINITION OF TERMS


APY

Annual Percentage Yield.



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CAPITAL ONE

Member FDIC

SAVINGS ACCOUNT DETAILS

1.20 % APY

$ 0

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.20%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

No

It only takes about 5 minutes to open a fee-free account.

Get this offer Arrow Primary


CAPITAL ONE

Member FDIC

CD DETAILS

2.50 % APY

1.5yr

Term

Offer rate as of

07/20/22

Minimum deposit

$0

Get peace of mind with fixed rates and guaranteed returns.

Get this offer Arrow Primary


CAPITAL ONE

Member FDIC

SAVINGS ACCOUNT DETAILS

1.20 % APY

$ 0

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.20%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

No

It only takes about 5 minutes to open a fee-free account.

Get this offer Arrow Primary


SOFI

Member FDIC

CHECKING ACCOUNT DETAILS

1.50 % APY

$ 0

Min. balance to open

Offer rate as of

07/20/22

Balance to avoid fees

$0

Monthly fees

$0

Overdraft/NSF fees

$0

Out of network ATM fee

$0

Has online access

Yes

Earn up to $300 cash bonus with qualifying direct deposit.

Get this offer Arrow Primary


CITIZENS ACCESS

Member FDIC

4.8
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

4.8

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

Citizens Access is an online bank with no branches that offers savings products.
It is a division of Citizens Bank.

Read review

SAVINGS ACCOUNT DETAILS

1.75 % APY

$ 5,000

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.75%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

No

No fee online savings account with a great rate.

Get this offer Arrow Primary


CIBC BANK USA

Member FDIC

4.9
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

4.9

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

CIBC Bank USA offers a range of personal banking products and a high-yield
savings account.

Read review

SAVINGS ACCOUNT DETAILS

1.66 % APY

$ 1

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.65%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

No

Get this offer Arrow Primary


CIT BANK

Member FDIC

4.6
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

4.6

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

CIT Bank is an online institution that offers competitive annual percentage
yields (APYs) on its savings accounts. It also offers a checking account and a
money market account.

Read review

SAVINGS ACCOUNT DETAILS

1.65 % APY

$ 0

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.64%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

No

No Monthly Fees. No Minimum Deposit. Just 5 Min to Sign Up.

Get this offer Arrow Primary


LENDINGCLUB

Member FDIC

4.9
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

4.9

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

LendingClub Bank is an FDIC-insured online bank known as Radius Bank until it
was acquired by LendingClub in February 2021.

Read review

SAVINGS ACCOUNT DETAILS

1.52 % APY

$ 0

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.52%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

No

Plus, no monthly fees and unlimited free external transfers

Get this offer Arrow Primary


SOFI

Member FDIC

SAVINGS ACCOUNT DETAILS

1.50 % APY

$ 0

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.50%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

Yes

No balance cap to earn APY, Earn up to $300 cash bonus with qualifying direct
deposit.

Get this offer Arrow Primary


SYNCHRONY BANK

Member FDIC

5.0
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

5.0

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

Synchrony Bank is an online bank that issues credit cards and offers several
products that pay some of the best rates.

Read review

SAVINGS ACCOUNT DETAILS

1.40 % APY

$ 0

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.40%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

No

Savings Products with Competitive Rates and No Minimum Deposit

Get this offer Arrow Primary


BARCLAYS

Member FDIC

5.0
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

5.0

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

Barclays is a London-based multinational financial-services giant with global
reach. In the U.S., Barclays offers a limited selection of deposit products
online.

Read review

SAVINGS ACCOUNT DETAILS

1.40 % APY

$ 0

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.40%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

Yes

Savings accounts at 1.40% APY. A rate greater than 5x the national average.

Get this offer Arrow Primary


BANESCO USA

Member FDIC

MMA DETAILS

1.35 % APY

$ 2,500

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.35%

Minimum to avoid fees

$2500

Monthly fees

$5

Check writing

No

Member FDIC

Get this offer Arrow Primary


GOLDMAN SACHS BANK USA

Member FDIC

5.0
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

5.0

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

Marcus by Goldman Sachs is a direct consumer bank that offers personal loans and
rewards savers with higher-than-average rates.

Read review

SAVINGS ACCOUNT DETAILS

1.20 % APY

$ 0

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.20%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

No

Grow your savings. No minimum deposit. No fees.

Get this offer Arrow Primary


QUORUM

Member FDIC

4.4
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

4.4

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

Quorum Federal Credit Union is based in Purchase, New York, and serves members
nationwide.

Read review

SAVINGS ACCOUNT DETAILS

1.05 % APY

$ 10,000

Min. balance for APY

Offer rate as of

07/20/22

Interest rate

1.05%

Minimum to avoid fees

$0

Monthly fees

$0

Check writing

No

No minimum balance to open the account. No monthly fees. Federally insured by
the NCUA.

Get this offer Arrow Primary


SYNCHRONY BANK

Member FDIC

4.7
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

4.7

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

Synchrony Bank is an online bank that issues credit cards and offers several
products that pay some of the best rates.

Read review

CD DETAILS

2.65 % APY

19mo

Term

Offer rate as of

07/20/22

Minimum deposit

$0

Open a CD Account with Great Rates and No Minimum Deposit.

Get this offer Arrow Primary


BANESCO USA

Member FDIC

CD DETAILS

2.15 % APY

1yr

Term

Offer rate as of

07/20/22

Minimum deposit

$1,500

Member FDIC

Get this offer Arrow Primary


BANKUNITED DIRECT

Member FDIC

CD DETAILS

2.05 % APY

2yr

Term

Offer rate as of

07/20/22

Minimum deposit

$1,000

High Rates You Can Bank On. Guaranteed Return. FDIC Insured.

Get this offer Arrow Primary


GOLDMAN SACHS BANK USA

Member FDIC

5.0
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

5.0

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

Marcus by Goldman Sachs is a direct consumer bank that offers personal loans and
rewards savers with higher-than-average rates.

Read review

CD DETAILS

1.90 % APY

1yr

Term

Offer rate as of

07/20/22

Minimum deposit

$500

Get this offer Arrow Primary


BANKUNITED DIRECT

Member FDIC

CD DETAILS

1.90 % APY

1yr

Term

Offer rate as of

07/20/22

Minimum deposit

$1,000

High Rates You Can Bank On. Guaranteed Return. FDIC Insured.

Get this offer Arrow Primary


SYNCHRONY BANK

Member FDIC

4.7
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

4.7

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

Synchrony Bank is an online bank that issues credit cards and offers several
products that pay some of the best rates.

Read review

CD DETAILS

2.65 % APY

19mo

Term

Offer rate as of

07/20/22

Minimum deposit

$0

Open a CD Account with Great Rates and No Minimum Deposit.

Get this offer Arrow Primary


BANESCO USA

Member FDIC

CD DETAILS

2.15 % APY

1yr

Term

Offer rate as of

07/20/22

Minimum deposit

$1,500

Member FDIC

Get this offer Arrow Primary


BANKUNITED DIRECT

Member FDIC

CD DETAILS

2.05 % APY

2yr

Term

Offer rate as of

07/20/22

Minimum deposit

$1,000

High Rates You Can Bank On. Guaranteed Return. FDIC Insured.

Get this offer Arrow Primary


GOLDMAN SACHS BANK USA

Member FDIC

5.0
 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

5.0

 * 
 * 
 * 
 * 
 * 

 * 
 * 
 * 
 * 
 * 

Bankrate Score

Read review

Marcus by Goldman Sachs is a direct consumer bank that offers personal loans and
rewards savers with higher-than-average rates.

Read review

CD DETAILS

1.90 % APY

1yr

Term

Offer rate as of

07/20/22

Minimum deposit

$500

Get this offer Arrow Primary


BANKUNITED DIRECT

Member FDIC

CD DETAILS

1.90 % APY

1yr

Term

Offer rate as of

07/20/22

Minimum deposit

$1,000

High Rates You Can Bank On. Guaranteed Return. FDIC Insured.

Get this offer Arrow Primary


SOFI

Member FDIC

CHECKING ACCOUNT DETAILS

1.50 % APY

$ 0

Min. balance to open

Offer rate as of

07/20/22

Balance to avoid fees

$0

Monthly fees

$0

Overdraft/NSF fees

$0

Out of network ATM fee

$0

Has online access

Yes

Earn up to $300 cash bonus with qualifying direct deposit.

Get this offer Arrow Primary


CITI

Member FDIC

CHECKING ACCOUNT DETAILS

0.00 % APY

$ 30,000

Min. balance to open

Offer rate as of

07/20/22

Balance to avoid fees

$30000

Monthly fees

$30

Overdraft/NSF fees

$0

Out of network ATM fee

$0

Has online access

Yes

Citi Priority Checking

Get this offer Arrow Primary
 1. Bank Reviews
 2. Capital One

Advertiser disclosure

The listings that appear on this page are from companies from which this website
receives compensation, which may impact how, where and in what order products
appear. This table does not include all companies or all available products.
Bankrate does not endorse or recommend any companies.


CAPITAL ONE BANK REVIEW 2022

Published April 2022 by Matthew Goldberg



Why trust us

Info-Icon

Our experts continually research, review, and rate banks to help you objectively
compare and choose financial institutions to fit your needs.


Definition of terms
AT A GLANCE
4.6
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Bankrate Score


TOP OFFER
1.20 % APY
Savings account
$ 0
Min. balance for APY

Offer
details
View offer Arrow Primary

Digital Leader

No Minimum Balance

No monthly fees

Capital One is ideal for consumers looking for a full-service bank with a wide
network of no-fee ATMs and access to branches in select states.

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5.0
MORE HIGH-YIELD OPTIONS
Advertiser disclosure

The listings that appear on this page are from companies from which this website
receives compensation, which may impact how, where and in what order products
appear. This table does not include all companies or all available products.
Bankrate does not endorse or recommend any companies.

Member FDIC

Savings account

1.75 % APY
 * start icon
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Info-Icon

Bankrate Savings Score: 4.8/5 stars

$ 5,000

Min. balance for APY

View offer Arrow Primary
Offer details
Offer
details
View offer Arrow Primary

Member FDIC

Savings account

1.66 % APY
 * start icon
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Info-Icon

Bankrate Savings Score: 4.9/5 stars

$ 1

Min. balance for APY

View offer Arrow Primary
Offer details
Offer
details
View offer Arrow Primary

Member FDIC

Savings account

1.65 % APY
 * start icon
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Bankrate Savings Score: 4.6/5 stars

$ 0

Min. balance for APY

View offer Arrow Primary
Offer details
Offer
details
View offer Arrow Primary

Member FDIC

Savings account

1.52 % APY
 * start icon
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Bankrate Savings Score: 4.9/5 stars

$ 0

Min. balance for APY

View offer Arrow Primary
Offer details
Offer
details
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Savings account

1.50 % APY

$ 0

Min. balance for APY

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MORE HIGH-YIELD OPTIONS
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Member FDIC

Savings account

1.75 % APY
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Bankrate Savings Score: 4.8/5 stars

$ 5,000

Min. balance for APY

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Savings account

1.66 % APY
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Bankrate Savings Score: 4.9/5 stars

$ 1

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Savings account

1.65 % APY
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Bankrate Savings Score: 4.6/5 stars

$ 0

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OVERALL

4.6

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Capital One Bank is among the top 10 largest banks in the country, with branches
in seven Eastern and two Southern states.


WHAT WE LIKE

 * Capital One offers no-fee access to more than 70,000 ATMs.

 * Checking and savings accounts feature no minimum balance requirements.

 * The mobile app is highly rated by iPhone and Android users.


WHAT WE DON'T

 * Capital One pays competitive rates on deposits, but better rates are
   available elsewhere.

 * Bank branches are limited to seven Eastern and two Southern states.

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CD RATES

3.9

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TODAY'S CD RATES
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Member FDIC

CD

2.50 % APY
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Bankrate CD Score: 3.9/5 stars

18mo

Term

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Capital One offers nine terms of CDs that range from six months to five years.
Rates for most terms are competitive for a big bank, and no minimum deposit is
required.

Early withdrawal penalties vary based on term length. For CDs of one year or
less, the early withdrawal penalty is three months of interest, while the
penalty for CDs with terms longer than one year is six months of interest.

What we like

 * No minimum deposit is required to open a CD.

 * Capital One CDs pay competitive APYs for a big bank.

 * Account holders can opt to receive interest disbursements monthly or
   annually.

What we don't

 * Other banks offer better rates on CD terms less than one year.

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CHECKING ACCOUNTS

4.8

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OTHER CHECKING OFFERS YOU MAY LIKE
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appear. This table does not include all companies or all available products.
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Member FDIC

Checking account

1.50 % APY

$ 0

To open

$ 0

To avoid fees

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The Capital One 360 Checking account is a competitive interest-bearing account
offering tiered rates allowing those with larger balances to earn more. The
account is free, permits mobile deposits and online bill payments, and also
offers a free first checkbook with 50 checks.

Capital One stopped charging nonsufficient fund (NSF) fees and capped overdrafts
at one a day in August 2021. In December 2021 the bank announced that it was
also eliminating overdraft fees, effective early 2022. Capital One stopped
offering an overdraft line for new account holders as of May 15, 2020.

Capital One 360 Checking users have access to more than 70,000 fee-free ATMs,
including ATMs in the Allpoint and MoneyPass networks.

In addition, mobile app users can utilize Capital One’s Add Cash in Store
feature to deposit up to $999 a day up to five times a month at CVS stores
through a cashier.

Also, with early paycheck, direct deposit customers may be able to receive
paychecks or other funds up to two days early.

What we like

 * The 360 Checking account earns interest on all balances and requires no
   minimum balance.

 * Customers have access to more than 70,000 ATMs in Capital One’s own network,
   and the Allpoint and MoneyPass networks.

 * Mobile app users can deposit cash at CVS stores.

What we don't

 * Some competitors offer higher rates on interest checking accounts.

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SAVINGS ACCOUNTS

5.0

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TODAY'S SAVINGS RATES
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receives compensation, which may impact how, where and in what order products
appear. This table does not include all companies or all available products.
Bankrate does not endorse or recommend any companies.

Member FDIC

Savings account

1.20 % APY
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Bankrate Savings Score: 5/5 stars

$ 0

Min. balance for APY

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Capital One’s 360 Performance Savings account offers a competitive yield on all
balances and doesn’t have a minimum balance requirement, making it suitable for
all savers. Users can set savings goals and automatic savings plans (with funds
transferred from a Capital One 360 checking account) for additional budgeting
ease. Effective September 2019, 360 Savings and 360 Money Market Accounts are no
longer available for new customers.

What we like

 * The 360 Performance Savings account has no monthly services fees.

 * The Capital One app allows you to make mobile deposits and set up an
   automated savings plan.

What we don't

 * The 360 Performance Savings account doesn’t include an ATM card.

Compare top savings rates


BANK EXPERIENCE

Capital One has fewer branches than some of its competitors, but it does offer
cutting-edge digital bank features. Capital One was the first bank in the U.S.
to launch a skill for Amazon’s Alexa so that customers can voice commands to
search for information, such as bank account balances.

The bank’s web interface and mobile app also earn high marks in Android and iOS
app stores, and mobile customers can send and receive money using Zelle through
the Capital One app.

Capital One has 333 branch locations in select states for in-person banking, and
it operates about 50 Capital One Cafes, where customers can open accounts,
deposit cash and checks, and socialize. The cafes also offer food and drinks,
available to anyone.

Account holders can attend various events and take advantage of free financial
coaching sessions.

Customers also can access more than 70,000 ATMs through Capital One's
owned-and-operated machines, and the Allpoint and MoneyPass networks. Mobile app
users can take advantage of the Add Cash in Store feature to deposit cash at CVS
stores through a cashier. Early paycheck, which allows direct-deposit customers
to access their incoming funds up to two days early, can be a useful feature for
those on tight budgets or who are paid once a month.


ABOUT CAPITAL ONE

The banking unit of Capital One Financial Corp. offers checking, savings and
certificates of deposit. Richard Fairbank and Nigel Morris started building
Capital One (then as a unit of Signet Bank) in 1988. In 1994, Capital One spun
off under its name, offering credit cards. In 2012, Capital One acquired ING
Direct and rebranded the lender as Capital One 360.

Capital One is ideal for consumers looking for a full-service bank with a wide
network of no-fee ATMs and access to physical branches. Those looking for the
highest available rates on savings products may want to look elsewhere.

Capital One operates 333 branches in Connecticut, Delaware, Louisiana, Maryland,
New Jersey, New York, Texas, Virginia and Washington, D.C.

Matthew Goldberg Twitter Created with Sketch. @MATTATBANKRATE

Matthew Goldberg Twitter Created with Sketch. @MATTATBANKRATE

Matthew Goldberg is a consumer banking reporter at Bankrate. He uses his banking
and financial services experience to help readers with personal finance. Nearly
his entire career has either been as a reporter or working in financial
services, in banking and insurance. He’s been in financial services for more
than a decade. His banking career includes being a banker in New York City. His
reporting career includes working as a staff reporter at two daily newspapers.
He earned his first newspaper bylines in 1998. His writing has been honored by
both the Illinois Associated Press Editors Association and the Illinois Press
Association. His writing has also been featured online on MSN, the Miami Herald,
the Houston Chronicle, the Omaha World-Herald, The Kansas City Star, the Arizona
Daily Star, and appeared in Sports Illustrated On Campus, The Atlanta
Journal-Constitution, The Buffalo News and other publications. Matthew’s radio
experience includes being a weekly panelist on the SportsWriter’s show on WGEM
AM ESPN 1440 in Quincy, Illinois. He was also an occasional co-host and call-in
guest on WGEM SportsCenter. He’s also been a guest on other stations throughout
the country. Matthew is currently a member of the Board of Governors at the
Society for Advancing Business Editing and Writing (SABEW), which is the world's
largest and oldest organization of business and financial journalists. He chairs
the organization's training committee and is on the finance committee. He has
previously served on conference planning committees and has been a Best in
Business contest judge for the organization. Matthew earned a bachelor’s degree
at Illinois State University and an MBA at William Paterson University. Media
mentions CNBC CNBC Acorns + CNBC WGN Radio 720 in Chicago 1080 KRLD Dallas-Fort
Worth

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The listings that appear on this page are from companies from which this website
receives compensation, which may impact how, where and in what order products
appear. This table does not include all companies or all available products.
Bankrate does not endorse or recommend any companies.

Member FDIC

Savings account

1.75 % APY
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Bankrate Savings Score: 4.8/5 stars

$ 5,000

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Savings account

1.66 % APY
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Bankrate Savings Score: 4.9/5 stars

$ 1

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DEFINITION OF TERMS


APY

Annual Percentage Yield.


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