Spark Business Checking

 

 

Unlimited Business Checking

SparkSM Business Checking is a digital account designed to give you the freedom you need to run your business.

Open an Account 

Speak to a Spark Business® professional now: 1-844-88-SPARK

When we say no limits, we actually mean it.

Say goodbye to restrictions and limitations:

  • No monthly transaction fees or limits
  • No monthly fees
  • No minimum balance required
  • No fees for Capital One or Allpoint® ATMs

 

Say hello to benefits that put your business first:

  •  Deposits available the next day
  • Link your digital SparkSM Business Savings account for overdraft protection
  • Free debit card
  • Snap a photo to deposit checks
  • Manage money on the go with the Spark Business mobile app
  • 40,000 fee-free ATMs nationwide
  • Free online bill pay
  • Free electronic invoicing

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Have questions about checking?

Frequently Asked Questions

Still have questions?

Visit Our Support Page

Or speak to a Spark Business professional:

1-844-88-SPARK

8AM-10PM ET, Monday-Saturday


Checking is just the start.

Spark Business Savings

Spark Business Savings

With a 1.00% APY for the first 12 months–one of the highest interest rates in the nation–and no monthly fees, our digital savings account puts your money to work.

Learn More
Spark Business Features

Spark Business® Features

Every checking account has access to a full set of financial tools like bill pay, electronic invoices and mobile deposits.

 
Learn More

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Digital Spark Business Checking accounts can only be opened online and cannot be opened by customers by telephone, facsimile, or by visiting a branch. Digital Spark Business Checking accounts are designed for customers with access to online banking and limited cash deposit needs. The account can be accessed at 38,000 fee-free Allpoint® ATMs and 2,000 Capital One® ATMs. Third-party ATM charges may apply when using an out of network ATM. Free overdraft protection is provided when you link your digital Spark Business Checking account to your Spark Business Savings account.

Please visit Spark Business Checking Terms & Conditions for additional information about deposit limits and fees.

Spark Business Savings accounts can only be opened online and cannot be opened by customers by telephone, facsimile, or by visiting a branch.

Earn 1.00% APY Offer: Offer begins June 8, 2016 and expires June 30, 2017. Offer is strictly non-transferable. Void where prohibited. The promotional Annual Percentage Yield (APY) applies to the first $1,000,000 in account balances and is available to new accounts only. All portions of balances over $1,000,000 will earn the standard rate. To qualify, you must open a new Capital One Spark Business Savings Account between June 8, 2016 and June 30, 2017. Advertised APY is current as of June 8, 2016. Promotional rate will expire 365 days after account opening. Upon expiration, the standard interest rate in effect as of that date will apply to the entire balance. Standard APY is variable and subject to change at any time without notice. Interest on your Spark Business Savings Account is accrued daily and compounded monthly and credited to your available balance. Your account must be open and in good standing to receive the credits. No minimum balance required. This offer cannot be combined with any other Capital One Bank new account opening offer. Limit one promotional Spark Business Savings Account per customer. Promotional interest rates not applicable to converted accounts. Terms and conditions subject to change without notice.

Rate Source: Informa Research Services, 12/05/2016.

Please visit Spark Business Savings Terms & Conditions for additional information about deposit limits and fees.

Free overdraft protection is provided when you link your digital Spark Business Checking account to your Spark Business Savings account.

Free Online Bill Payment Service is not intended for use by commercial and institutional clients with annual sales exceeding $10 million.

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