Business Checking

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.




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.


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*


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 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?

Talk to a banking associate about your business needs at a Capital One location. To help you out, 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

Explore Your Options

Meet with a banking associate at a Capital One location near you.

Access Made Easy

Bank Location

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Speak with a Capital One associate at a location near you.

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Manage your business accounts at your convenience.

Learn more about Online Banking


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Access your accounts on the go via your mobile device.

Learn more about Mobile Banking 

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.


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.