2.00% APY*

Earn a promotional rate for 12 months


No monthly service fees


No minimum balance required

Here’s how much you could earn.
Discover how a Spark Business Savings account could help you reach your business savings goals.

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Monthly Average Balance

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12-Month Interest


Features Designed to Help You Save

No minimum balance

Open your account today with any amount that works for you. You don’t have to wait to start saving.

No monthly service fees

Keep more dollars for your business. Your Spark Business Savings account has no monthly service fees.


Make deposits by transferring funds from another Spark Business account or from a linked checking account. Deposit online or via your mobile device.


Make up to 6 withdrawals per month (the maximum allowed by federal regulations).

Wire transfers

Sending and receiving wires is simple. It’s just $15 for incoming wires and $25 for outgoing ones.

Made for convenience

Get your business done online. With savings designed for digital, you never have to slow down to visit a branch.

Common questions

Your account will earn the promotional APY on the first $5 million in balances, for 1 year after your account opening. After 1 year, you’ll return to our standard rate–currently 0.40% APY.

Any funds in your account over the $5 million threshold will earn 0.40% APY, our standard rate.

To open a Spark Business Savings account, you must:

  • Be a Business or Nonprofit (other than a trust) organized in one of the 50 United States or the District of Columbia
  • Have a valid Employer Identification Number (or Social Security number for Sole Proprietorships)
  • Agree to be a fully paperless customer with a valid email address on file*

*Other restrictions may apply. See additional Terms and Conditions

You can easily deposit money online via a linked checking or savings account.

Withdrawing funds is easy; just transfer money to a linked checking or savings account to withdraw.

You can link your savings account to your Capital One checking account or to a business checking account at another bank. You can have one linked checking account at a time.

You can access your account(s) online here.

Get help 9am-8pm ET, Monday-Friday by contacting our trained support team at 1-844-88-SPARK.

No monthly minimums. We know small businesses have variable cash flow and we don’t want to throw any curveballs your way.

Nope. Open a Spark Savings account for your business whenever you’re ready—no opening balance needed.

We’d love to have no restrictions, but by federal law, business savings accounts are limited to 6 withdrawals a month.

Currently a business can have up to 25 business savings accounts. However, an Authorized Signer can only be associated with one business.

It’s easy to open an account online. It’s easy! You can open an account online with just a few clicks. Sign up now.

We hate to see you go, but if you need to cancel your account, just give us a call at 1-844-88-SPARK.

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

*Promotional APY Offer:The Annual Percentage Yield (APY) is available to new accounts only and varies depending on account balances. The promotional APY applies to the first $5 million in account balances. A lower APY will apply to any portion of balances above $5 million, which will be the currently effective non-promotional rate for this product. Advertised APY is current as of 11/1/18. 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 earned is compounded monthly and will be credited on the last day of each cycle. Interest is calculated using the actual number of days in the monthly cycle divided by the actual number of days in the year.

Rate is only applicable to Spark Business Savings. Retail small business savings rates will differ. 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, 11/1/18.

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

Routine or unscheduled maintenance may impact accessibility.

Mobile Banking

Access your funds at anytime.

Learn More >

Online Banking

Get daily business done quickly.

Learn More >

Have Questions?

Contact us at 1-844-88-SPARK

Call Now >