---
title: 'Multiple Regions: Capital One'
description: With branches across the U.S., Capital One is MONEY's best regional bank if you want a brick-and-mortar bank that's local to you.
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published: '2015-10-25T16:51:38.000Z'
modified: '2024-04-16T07:12:53.000Z'
section: Banking
canonical: https://money.com/collection-post/best-regional-banks-capital-one-2015/
type: Article
source: structured-blocks
---

> **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/).

![BestBanks_CapitalOne](https://img.money.com/2015/10/bestbanks_capitalone.png)

WHY IT'S A WINNER

Capital One doesn’t serve a single, contiguous geographic region—but if it’s got an on-the-ground presence near you, it’s a good choice. The bank charges low fees and pays a [checking account](https://money.com/collection-post/best-checking-bank-account-Aspiration-2015/) interest rate that’s more than twice the brick-and-mortar average. And [if you can’t find an ATM](https://money.com/collection-post/best-banks-most-atms-chase-2015/) when you need one, it pays more than enough reimbursements each month to cover the fees that an average consumer would incur.

#### Caveat

You’ll need a $5,000 combined balance to maintain Capital One’s High Yield Checking account.

#### Branches

850 in Connecticut, D.C., Delaware, Louisiana, Maryland, New Jersey, New York, Texas, and Virginia

#### Standout Account

*[High Yield Checking](http://www.capitalone.com/media/doc/personal-banking/high-yield-pew.pdf)*

**Maintenance fee:** $0  
**ATM fee:** $0 and up to $15 in reimbursements  
**Interest on $5,000:** 0.4% for the first 12 months, then 0.2%

**Here are Money's picks for the Best Regional Banks of 2015-2016:**

-   [Midwest: FirstMerit](https://money.com/collection-post/best-regional-banks-midwest-firstmerit-2015/)
-   Northeast: First Niagara
-   [Southeast & Southwest: First Citizens](https://money.com/collection-post/best-regional-banks-southeast-southwest-first-citizens-2015/)
-   [South & West: BBVA Compass](https://money.com/collection-post/best-regional-banks-south-west-bbva-compass-2015/)

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