{"id":"cmrbygzlg0075ymuj6ibu00g6","slug":"ally-bank-vs-capital-one)","title":"Ally Bank vs Capital One 360","shortAnswer":"Ally Bank offers higher savings account yields (4.20% APY) and lower CD rates, while Capital One 360 provides better checking account features with debit card rewards and bill pay integration. Both are online-only banks with strong security, but Ally excels for savers and Capital One suits frequent transactors.","keyDifferences":[{"label":"High-Yield Savings APY","winner":"a","entityAValue":"4.20%","entityBValue":"4.10%"},{"label":"Checking Account Monthly Fee","winner":"tie","entityAValue":"$0","entityBValue":"$0"},{"label":"CD Rates (12-Month)","winner":"a","entityAValue":"4.30%","entityBValue":"4.10%"},{"label":"Debit Card Cashback","winner":"b","entityAValue":"None","entityBValue":"1% on all purchases"},{"label":"ATM Network Size","winner":"b","entityAValue":"30,000+ Allpoint ATMs","entityBValue":"37,000+ ATMs (Allpoint + others)"},{"label":"Customer Service Availability","winner":"tie","entityAValue":"24/7 phone, chat, email","entityBValue":"24/7 phone, chat, email"},{"label":"Minimum Opening Deposit","winner":"tie","entityAValue":"$0","entityBValue":"$0"}],"verdict":"Choose Ally Bank if you prioritize saving with the highest yields (4.20% savings APY, 4.30% CDs) and want to maximize interest on deposits. Choose Capital One 360 if you value a checking account with 1% cashback rewards on debit card purchases and need frequent ATM access (37,000+ network). Both are excellent for fee-free banking, but Ally wins for savers while Capital One suits active spenders.","category":"finance","entities":[{"id":"cmoehg52j00hu9iy0z40ys5qj","slug":"ally-bank","name":"Ally Bank","shortDesc":"Digital-only bank specializing in high-yield savings, money market accounts, and no-fee checking with industry-leading rates.","imageUrl":"https://upload.wikimedia.org/wikipedia/commons/thumb/0/00/Ally_Financial.svg/330px-Ally_Financial.svg.png","entityType":"products","position":0,"pros":["Highest savings APY at 4.20% (industry-leading among major online banks)","Best CD rates starting at 4.30% for 12-month terms","No monthly maintenance fees on any account","24/7 customer support via phone, chat, and email","FDIC insured up to $250,000 per depositor"],"cons":["No debit card cashback rewards (unlike Capital One's 1%)","Limited ATM network at 30,000 Allpoint locations","No physical branches for in-person banking"],"bestFor":"Savers seeking maximum interest rates on deposits, CDs, and money market accounts; customers comfortable with online-only banking."},{"id":"cmrbygzlb0074ymujgmrpwq36","slug":"capital-one-360","name":"Capital One 360","shortDesc":"Online bank offering checking and savings with debit card rewards and extensive ATM access.","imageUrl":"https://upload.wikimedia.org/wikipedia/commons/thumb/3/39/CapitalOneHQ_body.jpg/330px-CapitalOneHQ_body.jpg","entityType":"company","position":1,"pros":["1% cashback on all debit card purchases (unique among competitors)","37,000+ ATM network (larger than Ally's 30,000)","No monthly checking or savings fees","Advanced bill pay integration with payment scheduling","FDIC insured up to $250,000 per depositor"],"cons":["Savings APY at 4.10% is 0.10% lower than Ally Bank","12-month CD rates at 4.10% trail Ally's 4.30%","No physical branches for in-person transactions"],"bestFor":"Active debit card users who want cashback rewards; customers needing larger ATM access and bill payment features; those who transact frequently."}],"attributes":[{"id":"cmoe6o0ge00dlooj64e6wu7s4","slug":"mobile-app-rating","name":"Mobile App Rating","unit":"quality level","category":"User Experience","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.6/5","valueNumber":4.6,"valueBoolean":null}]},{"id":"cmoehg9pj00ix9iy0ih6hng6p","slug":"monthly-maintenance-fee","name":"Monthly Maintenance Fee","unit":"$","category":"Fees","dataType":"numeric","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmoehgafr00j39iy05r3qagfb","slug":"total-assets-under-management","name":"Total Assets Under Management","unit":"B","category":"Company Scale","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$197.3B","valueNumber":197.3,"valueBoolean":null}]},{"id":"cmoehgb6200j99iy0hr6cql66","slug":"banking-service-breadth","name":"Banking Service Breadth","unit":null,"category":"Features","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"Checking, savings, auto financing, investments, CDs","valueNumber":null,"valueBoolean":null}]},{"id":"cmoehg7mt00ih9iy01lrk5rv7","slug":"certificate-of-deposit-cd-apy","name":"Certificate of Deposit (CD) APY","unit":"%","category":"Rates & Returns","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.55% (1-year average)","valueNumber":4.55,"valueBoolean":null}]},{"id":"cmoehg8z400ir9iy0igt4qq1k","slug":"minimum-initial-deposit","name":"Minimum Initial Deposit","unit":"$","category":"Account Requirements","dataType":"numeric","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmoehgbwi00jf9iy0u5lyrsnn","slug":"customer-satisfaction-rate","name":"Customer Satisfaction Rate","unit":"%","category":"Customer Experience","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"88%","valueNumber":88,"valueBoolean":null}]},{"id":"cmoehg6wh00ib9iy0liyvitoo","slug":"high-yield-savings-apy","name":"High-Yield Savings APY","unit":"%","category":"Rates & Returns","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.10%","valueNumber":4.1,"valueBoolean":null}]},{"id":"cmp0sl7sl000n11eu6nx1x8pv","slug":"monthly-maintenance-fee","name":"Monthly Maintenance Fee","unit":"USD","category":"Fees","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmp0sl7sx000t11eubdrofn33","slug":"overdraft-fee","name":"Overdraft Fee","unit":"USD","category":"Fees","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0 (no overdraft)","valueNumber":0,"valueBoolean":null}]},{"id":"cmp0sl7t8000z11eusjlvzbnf","slug":"minimum-balance-required","name":"Minimum Balance Required","unit":"USD","category":"Account Requirements","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmp0sl7tk001511eu9tew9toz","slug":"surcharge-free-atm-network","name":"Surcharge-Free ATM Network","unit":"ATMs","category":"Accessibility","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"55,000+","valueNumber":55000,"valueBoolean":null}]},{"id":"cmnf2bypr00tn2s3jedlli8o8","slug":"mobile-app-rating","name":"Mobile App Rating","unit":"stars","category":"User Experience","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.7/5","valueNumber":4.7,"valueBoolean":null}]},{"id":"cmp0sl7u8001h11euf1mc4fy5","slug":"interest-on-10-000-savings-annual-","name":"Interest on $10,000 Savings (Annual)","unit":"USD","category":"Earnings","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$360 (at 3.60% APY)","valueNumber":360,"valueBoolean":null}]},{"id":"cmqo1l5ow007vwjkfs8jlyocv","slug":"monthly-account-maintenance-fee","name":"Monthly Account Maintenance Fee","unit":"USD","category":"Fees","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmqo1me4z008dwjkf4ue98ihx","slug":"credit-card-products-available","name":"Credit Card Products Available","unit":"count","category":"Product Variety","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"0","valueNumber":0,"valueBoolean":null}]},{"id":"cmq8a2o6g002hapis9tnfc2iz","slug":"high-yield-savings-apy","name":"High-Yield Savings APY","unit":"%","category":"Savings Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.20%","valueNumber":4.2,"valueBoolean":null,"winner":true},{"entityId":"cmrbygzlb0074ymujgmrpwq36","valueText":"4.10%","valueNumber":4.1,"valueBoolean":null,"winner":false}]},{"id":"cmqo1l5nv007pwjkfsf22ko2o","slug":"money-market-account-apy","name":"Money Market Account APY","unit":"%","category":"Savings Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.20%","valueNumber":4.2,"valueBoolean":null,"winner":true},{"entityId":"cmrbygzlb0074ymujgmrpwq36","valueText":"4.00%","valueNumber":4,"valueBoolean":null,"winner":false}]},{"id":"cmqo1me420081wjkf66b3ds9c","slug":"minimum-deposit-to-open-account","name":"Minimum Deposit to Open Account","unit":"USD","category":"Account Requirements","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmq8a2o60002bapis1f0nu5pf","slug":"physical-branch-locations","name":"Physical Branch Locations","unit":"locations","category":"Accessibility","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"0","valueNumber":0,"valueBoolean":null}]},{"id":"cmqo1me5w008jwjkfkbkd8qc9","slug":"auto-loan-apr-range-average-","name":"Auto Loan APR Range (Average)","unit":"%","category":"Lending Products","dataType":"text","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"Not offered","valueNumber":null,"valueBoolean":null}]},{"id":"cmqo1me7l008pwjkfqartt3ah","slug":"customer-service-rating","name":"Customer Service Rating","unit":"J.D. Power Score /1000","category":"Service Quality","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.1/5","valueNumber":4.1,"valueBoolean":null}]},{"id":"cmqoenm4e006t8y8qdr4vjp2l","slug":"minimum-initial-deposit","name":"Minimum Initial Deposit","unit":"USD","category":"Account Requirements","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmqoenm57007b8y8qhzzoq8yq","slug":"mortgage-lending-availability","name":"Mortgage Lending Availability","unit":"states","category":"Lending Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"Not offered","valueNumber":null,"valueBoolean":null}]},{"id":"cmqoenm3w006h8y8qca6l51xg","slug":"checking-account-apy","name":"Checking Account APY","unit":"%","category":"Deposit Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"0.10% APY","valueNumber":0.1,"valueBoolean":null}]},{"id":"cmqoenm45006n8y8qg3ldmfqc","slug":"jd-power-customer-satisfaction-rating","name":"JD Power Customer Satisfaction Rating","unit":"score out of 1,000","category":"Customer Service","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"863","valueNumber":863,"valueBoolean":null}]},{"id":"cmqoenm4v00758y8qs7ugig2u","slug":"personal-loan-maximum-amount","name":"Personal Loan Maximum Amount","unit":"USD","category":"Lending Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"Not offered","valueNumber":null,"valueBoolean":null}]},{"id":"cmqozwyy400h313o1pwjjgp3n","slug":"monthly-checking-account-fee","name":"Monthly Checking Account Fee","unit":"USD","category":"Pricing","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmp0sl7s9000h11eumohfcji7","slug":"physical-branches","name":"Physical Branches","unit":"locations","category":"Accessibility","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"0","valueNumber":0,"valueBoolean":null}]},{"id":"cmqozwyzl00hl13o1t1qinys0","slug":"auto-loan-apr-prime-borrower-","name":"Auto Loan APR (Prime borrower)","unit":"%","category":"Lending","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"5.99%","valueNumber":5.99,"valueBoolean":null}]},{"id":"cmqozwyzy00hr13o1iiqk6asr","slug":"cd-rate-12-month-","name":"CD Rate (12-month)","unit":"%","category":"Savings Rates","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.25%","valueNumber":4.25,"valueBoolean":null}]},{"id":"cmnge2vi800ub9t3s0png5dxb","slug":"customer-satisfaction-score","name":"Customer Satisfaction Score","unit":"points","category":"Customer Experience","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.6/5 (J.D. Power 2024)","valueNumber":4.6,"valueBoolean":null}]},{"id":"cmqkta4cn00abz3ct0l8xm6ip","slug":"total-assets-under-management","name":"Total Assets Under Management","unit":"trillion USD","category":"Scale & Stability","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$90B","valueNumber":0.09,"valueBoolean":null}]},{"id":"cmrb5vv1h001xtwdxfqshf4wn","slug":"1-year-cd-rate","name":"1-Year CD Rate","unit":"%","category":"Savings Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.75%","valueNumber":4.75,"valueBoolean":null}]},{"id":"cmqpbup9q003j6alpr280osp2","slug":"personal-loan-apr-best-rate-","name":"Personal Loan APR (Best Rate)","unit":"%","category":"Lending Products","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"6.99%","valueNumber":6.99,"valueBoolean":null}]},{"id":"cmrb5vv2h0029twdxg0qep3mi","slug":"minimum-balance-requirement","name":"Minimum Balance Requirement","unit":"USD","category":"Account Requirements","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmrb5vv34002ftwdx4zbtbanp","slug":"monthly-maintenance-fees","name":"Monthly Maintenance Fees","unit":"USD","category":"Fees","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmrb5vv3j002ltwdxeb3pu63j","slug":"personal-loan-origination-fee","name":"Personal Loan Origination Fee","unit":"text","category":"Lending Products","dataType":"text","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"None","valueNumber":null,"valueBoolean":null}]},{"id":"cmrb5vv41002rtwdxj5ou32my","slug":"customer-service-rating-trustpilot-","name":"Customer Service Rating (Trustpilot)","unit":"stars","category":"Customer Experience","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.7/5","valueNumber":4.7,"valueBoolean":null}]},{"id":"cmq8wx5zv001i14nrv3co0viw","slug":"product-categories-offered","name":"Product Categories Offered","unit":"primary categories","category":"Product Range","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"7 (savings, checking, CDs, money market, IRAs, auto loans, mortgages)","valueNumber":7,"valueBoolean":null}]},{"id":"cmra0naa0004dgd7rudpn81iy","slug":"interest-checking-account-apy","name":"Interest Checking Account APY","unit":"%","category":"Checking Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"0.10%","valueNumber":0.1,"valueBoolean":null}]},{"id":"cmra0naab004jgd7rkcjdxg8d","slug":"12-month-cd-apy","name":"12-Month CD APY","unit":"%","category":"CD Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.35%","valueNumber":4.35,"valueBoolean":null}]},{"id":"cmra0naam004pgd7rhmn68d0u","slug":"60-month-cd-apy","name":"60-Month CD APY","unit":"%","category":"CD Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.25%","valueNumber":4.25,"valueBoolean":null}]},{"id":"cmra0naay004vgd7rkm18jw3r","slug":"personal-loan-apr-floor","name":"Personal Loan APR Floor","unit":"%","category":"Lending Products","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"5.99%","valueNumber":5.99,"valueBoolean":null}]},{"id":"cmra0naba0051gd7r514rcglr","slug":"personal-loan-apr-ceiling","name":"Personal Loan APR Ceiling","unit":"%","category":"Lending Products","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"19.99%","valueNumber":19.99,"valueBoolean":null}]},{"id":"cmnf2kf1r00z32s3jxemj1bus","slug":"mobile-app-user-rating","name":"Mobile App User Rating","unit":"stars","category":"Digital Banking","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.8 (95K reviews)","valueNumber":4.8,"valueBoolean":null}]},{"id":"cmp0sl7rp000b11euyawanabm","slug":"savings-account-apy","name":"Savings Account APY","unit":"%","category":"Deposit Rates","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.50%","valueNumber":4.5,"valueBoolean":null}]},{"id":"cmqpbupb900476alphl3ky8os","slug":"credit-card-products","name":"Credit Card Products","unit":"products","category":"Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"0 options","valueNumber":0,"valueBoolean":null}]},{"id":"cmrbpi48901italj4hlubmphi","slug":"personal-loan-maximum","name":"Personal Loan Maximum","unit":"USD","category":"Lending Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"Not available","valueNumber":null,"valueBoolean":null}]},{"id":"cmrbpi49a01jbalj4gc41fbvz","slug":"average-phone-support-wait-time","name":"Average Phone Support Wait Time","unit":"minutes","category":"Customer Service","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"2 minutes","valueNumber":2,"valueBoolean":null}]},{"id":"cmqo9abje008a8rzq0yo14hki","slug":"high-yield-savings-account-apy","name":"High-Yield Savings Account APY","unit":"%","category":"Deposits & Savings","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.20%","valueNumber":4.2,"valueBoolean":null}]},{"id":"cmrbrpwmu00ufkr37m0b6u7bw","slug":"overdraft-fee-per-occurrence","name":"Overdraft Fee per Occurrence","unit":"USD","category":"Fees","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0 (no overdraft)","valueNumber":0,"valueBoolean":null}]},{"id":"cmrbrpwnu00v3kr37bwzpbizj","slug":"customer-satisfaction-score-jd-power-2024-","name":"Customer Satisfaction Score (JD Power 2024)","unit":"points (1,000 max)","category":"Customer Experience","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"799","valueNumber":799,"valueBoolean":null}]},{"id":"cmrbrpwo400v9kr37g104cyha","slug":"auto-loan-apr-average-","name":"Auto Loan APR (Average)","unit":"%","category":"Lending Products","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"5.24%","valueNumber":5.24,"valueBoolean":null}]},{"id":"cmrbrss6d0145kr37505p2vwe","slug":"checking-account-rate","name":"Checking Account Rate","unit":"%","category":"Earnings","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"0.10%","valueNumber":0.1,"valueBoolean":null}]},{"id":"cmrbrss6m014bkr37fe84yve6","slug":"5-year-cd-rate","name":"5-Year CD Rate","unit":"%","category":"Earnings","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.35%","valueNumber":4.35,"valueBoolean":null}]},{"id":"cmrbrss6u014hkr37ripgsi4n","slug":"minimum-cd-deposit","name":"Minimum CD Deposit","unit":"USD","category":"Accessibility","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmqekk015016c4kk2mzxbneuj","slug":"mobile-app-rating-ios-","name":"Mobile App Rating (iOS)","unit":"stars","category":"User Experience","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.7/5","valueNumber":4.7,"valueBoolean":null}]},{"id":"cmqo9azdg00908rzqhetri9im","slug":"fdic-insurance-coverage","name":"FDIC Insurance Coverage","unit":"USD","category":"Security","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$250,000","valueNumber":250000,"valueBoolean":null}]},{"id":"cmrbrss7r0155kr37zmsmaz92","slug":"cd-term-options-available","name":"CD Term Options Available","unit":"count","category":"Product Variety","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"7 options","valueNumber":7,"valueBoolean":null}]},{"id":"cmqo9azcn008m8rzq0xnoppuq","slug":"12-month-cd-rate","name":"12-Month CD Rate","unit":"%","category":"Savings Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"4.30%","valueNumber":4.3,"valueBoolean":null,"winner":true},{"entityId":"cmrbygzlb0074ymujgmrpwq36","valueText":"4.10%","valueNumber":4.1,"valueBoolean":null,"winner":false}]},{"id":"cmrbygzmq007tymujedm3my5s","slug":"debit-card-cashback","name":"Debit Card Cashback","unit":"%","category":"Checking Features","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"0%","valueNumber":0,"valueBoolean":null,"winner":false},{"entityId":"cmrbygzlb0074ymujgmrpwq36","valueText":"1%","valueNumber":1,"valueBoolean":null,"winner":true}]},{"id":"cmqp5hqza008befrf1qbdyey1","slug":"atm-network-size","name":"ATM Network Size","unit":"locations","category":"Access & Convenience","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"30,000","valueNumber":30000,"valueBoolean":null,"winner":false},{"entityId":"cmrbygzlb0074ymujgmrpwq36","valueText":"37,000","valueNumber":37000,"valueBoolean":null,"winner":true}]},{"id":"cmr7ct1wc003v8nrji5zvcuc5","slug":"monthly-checking-fee","name":"Monthly Checking Fee","unit":"USD","category":"Fees","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null},{"entityId":"cmrbygzlb0074ymujgmrpwq36","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmrbygznp008bymujyu59azry","slug":"monthly-savings-fee","name":"Monthly Savings Fee","unit":"USD","category":"Fees","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null},{"entityId":"cmrbygzlb0074ymujgmrpwq36","valueText":"$0","valueNumber":0,"valueBoolean":null}]},{"id":"cmq8a2o6o002lapisqjzhzelc","slug":"checking-account-monthly-fee","name":"Checking Account Monthly Fee","unit":"USD","category":"Fees","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0 (no conditions)","valueNumber":0,"valueBoolean":null}]},{"id":"cmrc3yv0o008fkkvy8dhx5roe","slug":"credit-card-rewards-options","name":"Credit Card Rewards Options","unit":"cards","category":"Credit Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"0 cards","valueNumber":0,"valueBoolean":null}]},{"id":"cmrc3yv17008rkkvyn0uke0wb","slug":"mortgage-origination-volume-2023-","name":"Mortgage Origination Volume (2023)","unit":"billion USD","category":"Lending Products","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0B (not offered)","valueNumber":0,"valueBoolean":null}]},{"id":"cmqekk01n016o4kk2hj3aawzu","slug":"customer-service-hours","name":"Customer Service Hours","unit":"hours/week","category":"Support","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"24/7 phone + chat","valueNumber":168,"valueBoolean":null}]},{"id":"cmrbygzo2008hymujkmap9xbm","slug":"minimum-opening-deposit","name":"Minimum Opening Deposit","unit":"USD","category":"Account Requirements","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehg52j00hu9iy0z40ys5qj","valueText":"$0","valueNumber":0,"valueBoolean":null},{"entityId":"cmrbygzlb0074ymujgmrpwq36","valueText":"$0","valueNumber":0,"valueBoolean":null}]}],"faqs":[{"question":"Which bank has better rates for savers?","answer":"Ally Bank offers superior rates across all savings products: 4.20% APY on savings accounts vs Capital One's 4.10%, and 4.30% on 12-month CDs vs Capital One's 4.10%. Over $10,000 in savings, Ally's 0.20% advantage yields approximately $20 more annually. For long-term savers, Ally's advantage compounds significantly over time."},{"question":"Does Capital One 360 offer cashback on debit cards?","answer":"Yes, Capital One 360 provides 1% cashback on all debit card purchases with no caps or limitations. This is a unique feature among major online banks and can add up to $100+ annually on $10,000 in spending. Ally Bank does not offer debit card rewards."},{"question":"Which bank has more ATM locations?","answer":"Capital One 360 provides access to 37,000+ ATMs through its partnerships (primarily Allpoint and MoneyPass networks), compared to Ally Bank's 30,000+ Allpoint ATMs. The difference of 7,000 locations gives Capital One an advantage for customers who prefer broader ATM access, though both networks cover most major U.S. cities."},{"question":"Are both banks FDIC insured?","answer":"Yes, both Ally Bank and Capital One 360 are FDIC insured institutions, protecting deposits up to $250,000 per depositor per account category. Both carry the same level of insurance protection for checking, savings, and money market accounts."},{"question":"Which bank is better for frequent transactions?","answer":"Capital One 360 is better for active users due to its 1% debit card cashback and larger ATM network (37,000 vs 30,000). On $15,000 annual spending, the cashback alone saves $150. Ally Bank is optimized for saving rather than spending, making Capital One more suitable for transaction-heavy users."}],"relatedComparisons":[{"slug":"ally-vs-marcus)","title":"Ally Bank vs Marcus by Goldman Sachs","category":"finance"},{"slug":"ally-bank-vs-discover-bank)","title":"Ally Bank vs Discover Bank","category":"finance"},{"slug":"bank-of-america-vs-ally-bank)","title":"Bank of America vs Ally Bank","category":"finance"},{"slug":"ally-bank-vs-marcus)","title":"Ally Bank vs Marcus by Goldman Sachs","category":"finance"},{"slug":"chase-vs-ally-bank)","title":"Chase vs Ally Bank","category":"finance"},{"slug":"ally-bank-vs-marcus-by-goldman-sachs","title":"Ally Bank vs Marcus by Goldman Sachs","category":"products"},{"slug":"chase-vs-ally-bank","title":"Chase Bank vs Ally Bank","category":"finance"},{"slug":"ally-bank-vs-capital-one","title":"Ally Bank vs Capital One","category":"finance"},{"slug":"ally-bank-vs-marcus","title":"Ally Bank vs Marcus","category":"finance"},{"slug":"ally-bank-vs-discover-bank","title":"Ally Bank vs Discover Bank","category":"finance"},{"slug":"bank-of-america-vs-ally-bank","title":"Bank of America vs Ally Bank","category":"finance"},{"slug":"wells-fargo-vs-ally-bank","title":"Wells Fargo vs Ally Bank","category":"finance"}],"relatedBlogPosts":[{"slug":"are-chase-and-capital-one-affiliated","title":"Are Chase and Capital One Affiliated?","excerpt":"No — Chase and Capital One are completely separate, competing companies with no shared ownership, no common parent, and no shared rewards program. Here's who owns each bank and how they actually compare.","category":"finance"},{"slug":"is-state-farm-or-farmers-cheaper-for-home","title":"Is State Farm or Farmers Cheaper for Home Insurance?","excerpt":"State Farm is generally cheaper than Farmers for home insurance — averaging $1,300–$1,500/year vs. $1,500–$1,800/year. But rates vary by state, home age, and risk profile. Here's when each insurer wins on price.","category":"finance"}],"metadata":{"metaTitle":"Ally Bank vs Capital One 360: 2026 Rates & Features","metaDescription":"Compare Ally Bank (4.20% savings) vs Capital One 360 (1% cashback). Detailed rates, fees, ATM access, and which online bank suits you best.","publishedAt":"2026-07-08T10:49:20.341Z","updatedAt":"2026-07-08T10:49:20.692Z","isAutoGenerated":true,"isHumanReviewed":false,"viewCount":0}}