Capital One offers competitive rates and a variety of banking products. While the rates are similar to TD Bank, a few differences will affect whether you consider TD better than Capital One. One of the most obvious is the number of ATM locations, as Capital One has over 40,000. However, Capital One is online only, so you won’t have access to a branch as you could with TD Bank. Another key difference is that TD Bank provides access to phone customer service 24/7. So, if you’re happy with online transactions and don’t need access to a branch, Capital One is a good bank. However, if you like the idea of easy access to customer support, you may prefer TD Bank.