Capital One vs Fidelity (Brokerage Cash)
Head-to-head comparison of Capital One 360 Performance Savings and Fidelity Cash Management Account, updated daily.
Fidelity (Brokerage Cash) currently wins on APY: 4.05% vs 3.20%
| Feature | Capital OneLive | Fidelity (Brokerage Cash)Updated 1d ago |
|---|---|---|
| APY | 3.20% | 4.05%★ |
| Min opening deposit | $0 | $0 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes | Yes |
| Check writing | No | Yes★ |
| Mobile app | Yes | Yes |
| Editor rating | 4.0 / 5 | 4.6 / 5★ |
Capital One verdict
Capital One is one of the few HYSAs from a major bank with physical branch presence. You pay for that physical access in the form of a slightly lower APY — about 50-70bps less than the leaders. Reasonable choice for users who want the option of in-person service.
Read full Capital One review →Fidelity (Brokerage Cash) verdict
Fidelity's Cash Management Account is the cleanest "all-in-one" replacement for both checking and savings if you are willing to use a brokerage. The ATM fee reimbursement is industry-leading. Yield is slightly below the pure-play HYSAs but the convenience and integration usually justify it.
Read full Fidelity (Brokerage Cash) review →