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 Basic Checking®

You’re busy managing your business. See how Basic Checking can benefit your business and its cash flow management needs.

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.

 

Basic 

Unlimited

Product Description With Spark Business Basic Checking, you get 100 transactions each month, plus online and mobile banking 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 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 No fee for cash deposits1
Wires Standard wire fees apply First 5 domestic wires free each month
Monthly Service Fee $15 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

$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 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 Capital One location and talk to a banking professional about your business. To save you time, we’ve created a list of documents to bring with you.

Find a Location

Explore Your Options

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

Unfortunately, we don"t have a 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

Bank Location

Branch

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

Find a location

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 location. 

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.

1

There is no fee for cash deposits during any statement cycle on this checking account. Capital One Bank reserves the right to convert an account should cash deposits exceed $40,000.00 for any statement cycle. Business Checking accounts are not intended for commercial clients with annual sales revenues exceeding $10 million and Capital One may convert such clients into an alternate checking product.