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Frequently Asked Questions
Checking is just the start.
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 December 31, 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 December 31, 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.