Capital One® — Ways to Waive Fees

Here are two ways to waive your monthly service fee:

1. Strike The Balance

Simply maintain the minimum 30- or 90-day average monthly ledger account balance, whichever is greater. Here are the minimum balances required for each account:

Checking Account Minimum Balances
Spark Business Basic Checking®  $2,000
Spark Business Unlimited Checking® $25,000

2. Build Up Your Business

Have products (active, open, and in good standing) in two or more of the following categories1:

Product Phone Number More Information

Spark BusinessSM Credit Card

Spark Business Credit CardGet a card with the small business owner in mind. Watch how fast you rack up cash back rewards and easy-to-redeem miles.

1-866-390-5934 Find My Card

Small Business Loans & Lines of Credit

Small Business Loans & Lines of CreditTake your business to the next level with the right lending solution to support your cash flow. You can invest in the future and keep enough cash on hand to manage your business better than ever.

1-888-755-2172 Explore Loans

Spark ProDepositSM 

Spark ProDepositDeposit checks on your schedule. Designed to work with the Spark Business Unlimited Checking® account, you can scan checks conveniently from your smartphone to keep your cash flowing.

1-888-755-2172 Scan Checks

Merchant Service Solutions

Merchant Service SolutionsUse a secure card processing system to get paid quickly and reliably. Find the right solution for your business, so you can accept all major credit cards anytime, anywhere.

for Spark Pay® 

for additional Merchant Services

Accept Cards

We're Here to Help

Talk to a banking specialist

Call us at:
            M-F: 7am-10pm ET
            Sat: 8am-7pm ET

Contact your banker

Talk to your
Capital One banker.



Manage your business accounts at your convenience.

Learn more about Online Banking



Access your accounts on the go via your mobile device.

Learn more about Mobile Banking 

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.

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.

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.


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