U.S. Bank vs Capital One
U.S. Bank is a big national bank with wide array of services and many account options. How does it compare to Capital One? Read our comparison chart below.
U.S. Bank has over 2,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.
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 U.S. Bank with Capital One, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
U.S. Bank | Capital One | |
|---|---|---|
U.S. Bank Investment Account - $1,000 Bonus | Capital One Venture X Rewards Credit Card - | |
Benefits and Features | ||
| Savings | Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18. | |
| CD | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000. | 3.20% to 3.90% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.90% |
| Checking | ||
| Money Market | 0.01% - 0.05% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Gold tier or above, or maintain a $10,000 minimum daily balance. | |
| Mobile App | ||
| ATMs | 4,700+ U.S. Bank ATMs across the country | over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs |
| Customer Service | 24/7 Live Customer Service (Telephone) | Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET) |
| IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |   | |
| CD | | |
| Checking | | |
| Money Market | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Big national bank with wide array of services and many account options... | Good online bank with access to in-person support... |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. U.S. Bank: Pricing information from published website as of 04/28/2026 based on 91107 zip code. Capital One: Pricing information from published website as of 04/29/2026. | ||
Which is Better: U.S. 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 U.S. Bank or Bank of America.
In short: Capital One's savings and checking are worth mentioning. In particular, the checking is outstanding.
Articles on U.S. Bank
U.S. Bank
Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.
U.S. Bank Savings Account Interest Rate
U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.
Who Owns U.S. Bank
U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.
U.S. Bank Business Checking Requirements
Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.
U.S. Bank Problems
U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.
Chase vs U.S. Bank Business Account
U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.
U.S. Bank Checking Bonus
Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.
U.S. Bank Business Checking Account
Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.
U.S. Bank Routing Number
To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.
Articles on Capital One
Capital One 360
Capital One 360 offers free checking and savings accounts with competitive APY rates. Does it live up to its claims? Find out if it's right for you.
Capital One Savings Account Bonus
Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.
Capital One CD Rates
Interested in Capital One 360 CDs? Here are their rates and how to open one.
Capital One High Yield Savings
Want to grow your funds passively? Capital One offers a high-yield savings account with a solid APY and easy accessibility. Read on to find out more.
Capital One Checking Account Bonus
Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.
Capital One Bank Hours
Capital One Bank is open 6 days a week. Take a look at their operating hours.
Capital One Routing Number
What is the routing number for Capital One? Find the right one for your account with our guide.
Which Do You Think is Best?
Which Bank Account is Right for You?
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