Welcome to Business Checking

Your time is best spent managing your business—not worrying about your checking account.  We worked with small business owners like you to develop a new suite of checking products tailored to your business needs.  Explore below to find the account that suits you best.


Spark Business Cashback Checking®

You’re busy. And while you like rewards, you don’t like to jump through hoops to get them. See how Cashback Checking can benefit your business.

Spark Business Interest Checking®

You work hard for your money—it should work hard for you. Find out how Interest Checking can help you make the most of the money in your account.

Spark Business Unlimited Checking®

Spend less time worrying about fees and more time building your business. Get the control and freedom you deserve with Unlimited Checking.

Compare our checking products to see which works best for your business.

 

Cashback

Interest

Unlimited

Product Description Get rewards for everyday banking—Earn $0.10 every time you swipe your debit card, make a withdrawal or pay a bill online; and enjoy an anniversary cash bonus  You work hard for your money—it should work hard for you. With Spark Business Interest Checking, you can earn a rate above the national average on balances up to $100,000 With Spark Business Unlimited Checking, you can make as many everyday business transactions as you want without having to worry about unexpected fees or limits
Transactions Make 100 transactions each month with no fee; $0.50 per transaction after that Make 300 transactions each month with no fee; $0.50 per transaction after that Unlimited business transactions
Cash Deposits Deposit up to $5,000 in cash each month with no fee; $1 for every $1,000 deposited after that Deposit up to $10,000 in cash each month with no fee; $1 for every $1,000 deposited after that No fee for cash deposits1
Wires Standard wire fees apply First 2 domestic wires free each month First 5 domestic wires free each month
Monthly Service Fee $15 monthly service fee $19 monthly service fee $35 monthly service fee
Ways to Waive

$15 monthly fee waived:
with $2,000 minimum 30- or 90-day average balance

-or-

Two additional, eligible business products

Learn more about ways to waive the monthly service fee

$19 monthly fee waived:
with $10,000 minimum 30- or 90-day average balance

-or-

Two additional, eligible business products

Learn more about ways to waive the monthly service fee

$35 monthly fee waived:
with $25,000 minimum 30- or 90-day average balance

-or-

Two additional, eligible business products

Learn more about ways to waive the monthly service fee

Services Included Online and Mobile BankingMobile Deposits and Online Bill Pay  Online and Mobile Banking, Mobile Deposits and Online Bill Pay  Online and Mobile BankingMobile Deposits and Online Bill Pay 

Talk to a banker about specialized checking accounts for more complex business needs, like IOLTAs and escrow.

Ready to Open an Account?

It’s a cinch. Just visit a branch and talk to a banking professional about your business. To save you time, we’ve created a list of documents to bring to the branch.

Find a Branch

Explore Your Options

Meet with a local banking expert to discuss your business goals and needs. Find your closest Capital One Bank Branch.

Unfortunately, we don't have a branch location near you. But the good news is that you can still take advantage of products perfect for Small Business Banking. Check out Spark Business.




Access Made Easy

Branch

Branch

Meet with a local banking expert to discuss your business goals and needs.

Find a branch

Online

Online

Manage your business accounts at your convenience.

Learn more about Online Banking

Mobile

Mobile

Access your accounts on the go via your mobile device.

Learn more about Mobile Banking 


Let's Talk

Find a branch.

Email us. 

Call us 1-888-755-2172.

Please ask us about the Rules Governing Deposit Accounts and for more information about transaction limits and other fees. Fees may reduce earnings in the account.

Products and services offered by Capital One, N.A., Member FDIC

© 2015 Capital One. Capital One is a federally registered service mark. All rights reserved.

1

Spark Business Unlimited Checking is designed for businesses with cash deposit needs under $40,000 per month. If your business does not qualify, please talk to your banker about alternatives, such as our commercial services, that may better suit your business needs. Small Business accounts are not intended for commercial clients with annual sales revenues exceeding $10 million. To make sure you get the best product for your business, small businesses that no longer meet these requirements may be converted into an alternate checking product.