Capital One vs Charles Schwab Bank
Capital One
Charles Schwab Bank
Total Assets
$478.5 million
Capital One
$304.0 million
Charles Schwab Bank
Digital Banking
4.6/5
Capital One
4.5/5
Charles Schwab Bank
Customer Service
4.3/5
Capital One
4.4/5
Charles Schwab Bank
Best Savings Rate
4.50%
Capital One
4.20%
Charles Schwab Bank
Detailed Comparison
Checking Account Comparison
Capital One Checking Accounts
| Account | Monthly Fee | Min Balance | Overdraft Fee |
|---|---|---|---|
| 360 Checking | $0 | $0 | $0 |
Charles Schwab Bank Checking Accounts
| Account | Monthly Fee | Min Balance | Overdraft Fee |
|---|---|---|---|
| High Yield Checking | $0 | $0 | $0 |
Savings Account Comparison
Capital One Savings Accounts
| Account | APY | Type | Monthly Fee |
|---|---|---|---|
| 360 Performance Savings | 4.50% | High-Yield | $0 |
Charles Schwab Bank Savings Accounts
| Account | APY | Type | Monthly Fee |
|---|---|---|---|
| High Yield Investor Savings | 4.20% | High-Yield | $0 |
APY Comparison
Annual Percentage Yield (APY) shows the effective annual yield accounting for compound interest. Higher APY means more earnings on your deposits. Rates are accurate as of 6/17/2025 and may change based on market conditions.
Credit Card Comparison
Capital One Credit Cards
| Card | Annual Fee | APR Range | Rewards |
|---|---|---|---|
| Venture Rewards Rewards | $95 | 17.99% - 26.99% | N/A 75,000 miles |
Charles Schwab Bank Credit Cards
| Card | Annual Fee | APR Range | Rewards |
|---|---|---|---|
| Investor Card Rewards | No annual fee | 13.99% - 23.99% | 1.5% cashback $200 cash back |
Mortgage Comparison
Capital One Mortgage Products
| Mortgage Type | Interest Rate | APR | Term |
|---|---|---|---|
| 30 Year Fixed | 6.35% | 6.50% | 30 years |
Charles Schwab Bank Mortgage Products
| Mortgage Type | Interest Rate | APR | Term |
|---|---|---|---|
| 5/1 ARM | 6.00% | 6.15% | 30 years |
Rate Information
Mortgage rates are subject to change based on market conditions and individual financial profiles. APR includes the interest rate plus other costs such as origination fees, discount points, and other closing costs. Contact each lender for personalized quotes based on your specific situation.
Strengths and Weaknesses
Capital One
Strengths
- High customer satisfaction rating
- Excellent digital banking experience
- Superior customer service
- More ATM locations
- More competitive fee structure
- Higher savings account rates
Weaknesses
- Higher fees compared to competitors
- Smaller branch network
Charles Schwab Bank
Strengths
- High customer satisfaction rating
- Excellent digital banking experience
- Superior customer service
- Larger branch network
Weaknesses
- Higher fees compared to competitors
- Fewer ATM locations
- Lower savings account rates
Which Bank is Right for You?
Choosing between Capital One and Charles Schwab Bank depends on your specific banking needs and preferences. Here's a quick guide to help you decide:
Choose Capital One if you value:
- Better digital banking experience
- Lower fees and account costs
- Wider ATM network
- Higher interest rates on savings
Choose Charles Schwab Bank if you value:
- Higher overall customer satisfaction
- Access to more physical branch locations
- More responsive customer service
Customer Profile Considerations
Capital One might be better for:
- • Fee-conscious customers
- • Savers looking for higher yields
- • Tech-savvy customers
Charles Schwab Bank might be better for:
- • Customers who prefer in-person banking
- • Tech-savvy customers
Ready to Open an Account?
Compare specific account options from these banks
Rate Comparison Tools
Use our comparison calculators to see which bank offers better returns on your deposits or lower costs on loans.
Compare RatesRead User Reviews
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