Spark Business Unlimited Checking®

Unlimit Your Business

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
  • First 5 domestic wires free each month
  • Up to two Spark Business Basic Checking® accounts with monthly service fee waivers included1

Product Details

Product details Spark business Unlimited Checking
Transactions Unlimited
Cash Deposits No fee for cash deposits2
Wires First five domestic wires included free each month3
Monthly Service Fee $35
Ways to Waive

Waived if your prior 30- or 90-day account balance averages $25,000 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, Merchant Services account (including Spark PaySM), or Spark ProDepositSM. Only one of your small business checking accounts is eligible for the service fee waiver per Taxpayer Identification Number4

Learn more about ways to waive the monthly service fee

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

Avoid trips to the branch with Spark ProDepositSM, 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

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

Bank Location


Meet with a local banking expert to discuss your business goals and needs.

Find a location



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 

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.


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.


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.


After the first five free 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.