$15 monthly service fee, waived with $2,000 minimum balance
SECURE YOUR BUSINESS WITH A CAPITAL ONE BUSINESS CHECKING ACCOUNT
IDEAL FOR NEW AND GROWING BUSINESSES
Basic Checking
Our Basic Business Checking account is designed to simplify everyday finances for small businesses.
MONTHLY SERVICE FEE
WIRES
$15 per incoming domestic wire and $25 per outgoing domestic wire1
Digital Transactions
No fee. Includes mobile deposits, ACH payments, and select online bill pay options.2
ATM Access
No fees on withdrawals at 70,000+ ATMs. Includes Capital One, MoneyPass® and Allpoint® ATMs.3
Deposit cash at any Capital One ATM and select Allpoint® ATMs. No fees apply.4
FOR HIGHER TRANSACTION NEEDS
Enhanced Checking
Get an Enhanced Business Checking account for your everyday flexibility and control with more account features.
MONTHLY SERVICE FEE
$35 monthly service fee, waived with $25,000 minimum balance
WIRES
All incoming domestic wires are free and first five outgoing domestic wires are free each month1
Digital Transactions
No fee. Includes mobile deposits, ACH payments, and select online bill pay options.2
ATM Access
No fees on withdrawals at 70,000+ ATMs. Includes Capital One, MoneyPass® and Allpoint® ATMs.3
Deposit cash at any Capital One ATM and select Allpoint® ATMs. No fees apply.4
Premier Checking
Choose our Premier Business Checking account to leverage additional cash management tools and fraud protection.
MONTHLY SERVICE FEE
$99 monthly service fee, waived with $100,000 minimum balance
WIRES
All incoming wires, first ten outgoing domestic wires, and first four outgoing international wires per month are free1
DIGITAL TRANSACTIONS
No fee. Includes mobile deposits, ACH payments, and select online bill pay options.2
ATM ACCESS
No fees on withdrawals at 70,000+ ATMs.3 No-fee cash deposits at any Capital One ATM and select Allpoint® ATMs.4
TREASURY MANAGEMENT
Advanced money movement and account management capabilities. RDC scanner for qualifying customers included.5
Includes Reverse Positive Pay with additional fraud protection services available for a fee.6
ALWAYS ON BENEFITS FOR BASIC, ENHANCED AND PREMIER BUSINESS CHECKING ACCOUNTS
Unlimited digital transactions
Unlimited free digital transactions including mobile deposits, ACH payments, and select online bill pay options.2
70,000+ No-Fee ATMs
Access your money with no fees at Capital One, MoneyPass® and Allpoint® ATMs.3
Easy Cash Deposits
Make a cash deposit at any Capital One branch, Café or ATM, and select Allpoint® ATMs.4
FDIC-insured
Balances in your business checking accounts are fully insured up to the FDIC’s allowable limits.
Pay Business Bills
Easily send electronic payments to vendors you’d normally pay by check.
Move money with ease and convenience
Our simple money movement solutions include ACH, accounts payables and more.
GET IN TOUCH
See if your small business is a good match to work with a dedicated business banker
When you partner with Capital One business bankers, you get access to specialized products, money management tools, flexible lending options and special rates. Check your eligibility to find the support you want, when you need it.
Additional Products
BUSINESS SAVINGS ACCOUNT
Earn up to NaN APY
Reach your goals faster with a business savings account and earn a promotional rate up to NaN APY, guaranteed for 3 months.7
RESOURCES FOR YOUR BUSINESS
Open a new account?
See what you need to open your new Capital One business account online or in person.
FREQUENTLY ASKED QUESTIONS
1.
How do I open a business checking account with Capital One?
Basic and Enhanced Business Checking accounts can be opened through our online application or by visiting a local branch. If you're interested in opening a Premier Business Checking account, you'll need to work with a dedicated business banker—the first step is to fill out this form to determine your eligibility.
2.
What is required to open a business checking account?
Here's what you'll need to complete a business checking account application:
- Personal Identification (Social Security card, and/or personal tax return)
- Your business’s Articles of Ownership, Articles of Incorporation, business tax returns, proof of ownership, SS-4 Notification Letter, Assumed Name Statement and/or your current lease or Certificate of Occupancy.
- Up-to-date information about your business’s owners (ownership percentage, date of birth, Social Security number, address, etc.)
Other important information you need to know:
- You must be at least 18 years of age and must be a legal U.S. resident.
- All applicants are subject to review of past account handling and verification of the information provided.
3.
How do I order checks for my business checking account?
Checkbooks can be ordered by logging into your Capital One account. After selecting the account you want to order checks for, you can select “Account Services and Settings” and “Order Checks” to place your checkbook order.
4.
Are my business checking account deposits with Capital One insured by the FDIC?
Capital One, N.A. is a member of the FDIC (Federal Deposit Insurance Corporation) - an independent agency of the United States government. Your deposit accounts are insured by the FDIC up to $250,000 based on ownership types. When you see the FDIC logo you can rest assured your money is safe and secure. To learn more visit www.fdic.gov.
5.
Does Capital One have a free business checking account?
Our business checking accounts include a monthly cycle fee, which can be waived by maintaining a minimum balance. For Basic Checking customers, the $15 monthly fee can be waived with a $2,000 minimum 30- or 90-day average Basic Checking account balance. For Enhanced Checking customers, the $35 monthly fee can be waived with a $25,000 minimum 30- or 90-day average Enhanced Checking account balance. For Premier Checking customers, the $99 monthly fee can be waived with a $100,000 minimum 30-day average Premier Checking account balance.
6.
Does Capital One have a business checking account with free wire transfers?
Enhanced Business Checking accounts include unlimited free incoming domestic wires and five free outgoing domestic wires each month. Premier Business Checking accounts include unlimited free incoming wires (both domestic and international), ten free outgoing domestic wires each month and four free outgoing international wires each month.
7.
What other financial products does Capital One offer to support my small business?
Capital One has all your business financial needs covered. Explore the links to below to learn more about our small business financial products designed to help your business succeed.
BUSINESS CHECKING ACCOUNT FINANCIAL RESOURCES
Ready to open a business checking account today?
Easily open a Basic or Enhanced Business Checking account online.