Capital One customers do not have the option to get paid early with direct deposit where One customers with qualifying direct deposits can get paid up to two days early.** Capital One customers can only earn .40% APY on their Capital One savings and are not able to automatically save where One customers can earn 1.00% APY* in their Save Pocket and 3.00% APY* in their Auto-Save Pocket. Capital One customers do not have the option to enroll in credit building where One customers can enroll in Credit Builder. Capital One customers are limited to sharing an account with one person where One customers can share up to 99 Pockets.