Business Checking
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®
Spend less time worrying about fees and more time building your business. See how Basic Checking with unlimited transactions can help you manage your cash flow needs.
Spark Business Unlimited Checking®
Enhance your everyday flexibility and control with even more account features. Unlimited Checking is designed to help your business run smoothly.
Compare our checking products to see which works best for your business.
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Product Description | With Spark Business Basic Checking, you get unlimited transactions each month, plus online and mobile banking | With Spark Business Unlimited Checking you get 5 free domestic wire transfers per month and have access to 2 Basic Checking accounts at no additional cost. And of course, you can make as many transactions as you want with no unexpected fees. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Transactions | Unlimited business transactions | 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 deposits* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Wires | Standard wire fees apply | Free incoming domestic wires. First 5 domestic outgoing wires each month also free | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | $35 monthly fee waived with $25,000 minimum 30- or 90-day average balance | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Services Included | Online and Mobile Banking, Mobile Deposits and Online Bill Pay | Online and Mobile Banking, Mobile 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.
Explore Your Options
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
Find a Location
Meet with a local banking expert to discuss your business goals and needs. Find your closest Capital One Bank location.
Access Made Easy
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.
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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.