Spark Business Unlimited Checking®

Checking That Goes Wherever

Your Business Takes You

Checking That Goes

Wherever Your

Business Takes You

With Spark Business Unlimited Checking, you can make as many everyday business transactions as you want. Take control of your business without having to worry about unexpected fees or limits. So go on—send, receive, withdraw, and deposit, knowing you have an account you can count on.

Account at a Glance

  • Perfect for businesses with high transaction volumes and balances
  • Unlimited business transactions included each month
  • Faster access to deposits with next-day funds availability
  • All incoming domestic wires free.
  • Up to two Spark Business Basic Checking® accounts with monthly service fee waivers included1

Product Details



Cash Deposits

No fee for cash deposits2


All incoming domestic wires free. First 5 domestic outgoing wires each month also free3

Monthly Service Fee


Ways to Waive

Waived if your prior 30- or 90-day account balance averages $25,000 or more

Overdraft Protection

Free Overdraft Protection with a linked small business deposit account


Avoid trips to the branch with Capital One® ProDeposit, a remote deposit service specially designed to work with Spark Unlimited Checking.

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.

1  Spark Business Unlimited Checking account is eligible for up to two Spark Business Basic Checking accounts with no monthly cycle service fee assessed so long as the Spark Business Unlimited Checking account remains open and in good standing. If your Spark Unlimited Checking account is closed, the monthly cycle service fee(s) that are normally charged to Spark Business Basic Checking account(s) may be subject to a service fee. There is no fee for transactions on this account. For amounts greater than $5,000, you will be charged $1 per $1,000 you deposit.

2  Spark Business Unlimited Checking is designed for businesses with cash deposit needs under $40,000 per month. If your business does not qualify, please talk to your banker about alternatives, such as our commercial services, that may better suit your business needs. Small Business accounts are not intended for commercial clients with annual sales revenues exceeding $10 million. To make sure you get the best product for your business, small businesses that no longer meet these requirements may be converted into an alternate checking product.

3  After the first five free domestic outgoing wires, $25 will be charged per transfer. For foreign wires, $15 will be charged per incoming wire, $40 per outgoing wire.