Small Business Checking Comparison Chart

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Features for all business checking accounts include:

Which checking solution is best for my business? 

Additional Business Services available:
Capital One Business® Credit Cards
Merchant Services 

Monthly Service Charge

Per Item Fees4

Cash Deposit Charges

Small Business Rewards Checking3
Free checking account that rewards you automatically when you write a check, swipe your business debit card, or pay bills online.

None

 $0.50 per item over 200

 $1.20 per $1,000 cash deposited over $5,000

 

Completely Free Small Business Checking3
Free checking account designed for businesses with less than 200 transactions a month

None

$0.50 per item over 200

$1.20 per $1,000 cash deposited over $5,000

 

Commercial Checking
Business checking account that features unlimited check writing, no minimum balance requirement, and earnings credit to offset fees

$12.00

$0.15 per debit;
$.30 per credit,
$0.10 per item deposited

$0.90 per $1,000

Interest-On-Checking
Designed exclusively for sole proprietors and nonprofit organizations looking for an interest-bearing checking account

$12.00

$0.15 per debit;
$.30 per credit,
$0.10 per item deposited

$0.90 per $1,000

 

Interest on Lawyers Trust Account (IOLTA)
Reserved for attorneys maintaining a trust account for clients

None

 

 

When you're ready to open an account, apply online, by phone at 1-888-755-BANK (2265), or at any branch location.
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1Free Online Bill Payment Service is not intended for use by commercial and institutional clients with annual sales exceeding $10 million.

2 At certain ATMs owned and operated by Capital One, N.A. located in gaming and other establishments, you may be charged a fee for each cash withdrawal. The amount of the fee will appear on the screen prior to completion of the cash withdrawal.

3 Customer purchases checks.

4 Includes most debits, credits, and items deposited. 

Branch bank products and services are offered by Capital One, N.A. Member FDIC. "Capital One Bank" is used as a trade name of Capital One, N.A., and does not refer to a separately insured institution.