Spark Business Basic Checking®

Flexible Checking

You Can Count On

Flexible Checking

You Can Count On

Each month you’ll get unlimited transactions included, along with free Overdraft Protection with a linked Capital One small business deposit account. Also, you’ll get a business debit card, online bill pay and online and mobile checking at no additional cost. It’s the checking account your business can count on for its cash flow management needs.

Account at a Glance

  • Business checking for simple cash flow management
  • A core account for your everyday banking activities
  • Unlimited transactions included each month

Explanation of Key Services and Charges

Recommended Products

Loans & Lines of Credit
Get flexible financing solutions for your business expenses.

Merchant Services
Accept credit, debit, gift and loyalty card payments.

Spark Business Credit Cards
Earn rewards that benefit your business.

Business Benefits

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All Business Checking accounts come with these business banking services:

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.

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.

Access Made Easy


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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 

Bank Location

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

Find a location

Web access is needed to use Mobile Banking. Check with your service provider for specific fees and charges. Mobile deposit is available only in the U.S. and U.S. Territories.

Free Online Bill Pay is not intended for use by commercial and institutional clients with annual sales exceeding $10 million. If you schedule a bill payment through Capital One Online Bill Pay at least 4 business days before the due date and meet the other requirements of the Online Bill Payment Authorization and Agreement and incur a late fee or penalty fee because the payment does not arrive on time, Capital One will reimburse you (up to $50) for any late fee or penalty you incur and will work with you and the payee to resolve any issues associated with a delayed payment.

1For domestic wires, $15 will be charged per incoming wire and $25 per outgoing wire. For foreign wires, $15 will be charged per incoming wire, $40 per outgoing wire.