Spark Business Basic Checking®

Set your business up for success

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

Product Details

Product details Spark Business Cashback checking
Transactions Unlimited
Cash Deposits $5,000 included monthly at no charge; $1 for every $1,000 deposited after that
Wires For domestic wires, $15 per incoming wire and $25 per outgoing wire1
Monthly Service Fee $15
Ways to Waive

Waived if your prior 30- or 90-day account balance averages $2,000 or more


Have an active business product in two or more of these categories: Spark Business Credit Card, Small Business Loan or Line of Credit, or Merchant Services account (including Spark PaySM). Only one of your small business checking accounts is eligible for the service fee waiver per Taxpayer Identification Number2

Learn more about ways to waive the monthly service fee

Overdraft Protection Free Overdraft Protection with a linked small business deposit account

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

All Business Checking accounts come with these business banking services:

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.

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.

Access Made Easy

Let's Talk

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.


For 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 in a foreign currency, and $50 per outgoing wire in U.S. dollars.


Your monthly service fee can also be waived if you maintain active, open products in good standing in two or more of the following categories: a) Small Business Loan or Line of Credit; b) Spark ProDeposit (only available with Unlimited Checking); c) Merchant Services account (including Spark Pay); d) Spark Business Credit Card. A Spark Pay account is deemed active with $500 or more transactions during the calendar month not including any voided, refunded or cash transaction(s). A credit card is deemed active with a balance transfer, cash advance, or purchase transaction during the calendar month. Limit one product-based service charge waiver per customer Taxpayer Identification Number.