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Capital One vs U.S. Bank: what each publishes

As of October 17, 2026, we hold no rule from Capital One or U.S. Bank on the 7 industries we track; below, side by side: where each takes companies from, its fees, its terms on closing accounts and its licence.

Capital OneFDICU.S. BankFDIC / OCC

Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.

Where it takes companies from

Capital One

The regions its own documents name, read on October 9, 2026

U.S. Bank

The regions its own documents name, read on October 9, 2026

Policy by industry

Capital One and U.S. Bank: published policy by industry
IndustryCapital OneU.S. Bank
CryptoNo published ruleNo published rule
iGamingNo published ruleNo published rule
AdultNo published ruleNo published rule
Unlicensed financial servicesNo published ruleNo published rule
AI and SaaSNo published ruleNo published rule
Forex and CFDNo published ruleNo published rule
MarketplaceNo published ruleNo published rule

Where owners must live

Capital One

You must be at least 18 years of age and must be a legal U.S. resident.

Owners and directors · · Source

U.S. Bank

No published rule

Rules about countries

Capital One

No published rule

U.S. Bank

No published rule

Fees

Capital One

Capital One: published fees
PlanAccount openingMonthlyChecked
Basic CheckingNot statedUSD 15, waived with a USD 2,000 minimum 30- or 90-day average balance · Source
Enhanced CheckingNot statedUSD 35, waived with a USD 25,000 minimum 30- or 90-day average balance · Source
Premier CheckingNot statedUSD 99, waived with a USD 100,000 minimum balance ('Waived with $100,000 minimum balance'); opened only through a business banker · Source

U.S. Bank

U.S. Bank: published fees
PlanAccount openingMonthlyChecked
Business EssentialsNot statedUSD 0 monthly maintenance fee · Source
Gold Business Checking PackageNot statedUSD 20, waivable (for example with a USD 10,000 average collected checking balance) · Source
Platinum Business Checking PackageNot statedUSD 30, waivable (for example with a USD 25,000 average collected checking balance) · Source
Premium Business Checking PackageNot statedUSD 34, an earnings credit can offset it · Source

Closing an account

Capital One

Bank may close any Account in Bank’s sole discretion at any time, for any or no reason and without notice to Customer.

Notice before closing · · Source

Account closed or frozen? What Capital One’s terms say

U.S. Bank

If we close your account, we will send you notice within ten days after closing and/or indicate the closure on your next account statement.

Notice before closing · · Source

Account closed or frozen? What U.S. Bank’s terms say

Licence

LicenseeCapital OneU.S. Bank
LicenseeCapital One, National Association · national bank, Member FDIC (FDIC cert 4297)U.S. Bank National Association · national bank chartered by the OCC, Member FDIC (FDIC cert 6548)
RegulatorFDIC · FDIC / OCC ·