Spark Business Savings


At this rate, you'll be saving in no time.

Invest in the future of your business with one of the best savings interest rates in the nation.

Open an Account   


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

Save for tomorrow, today.

An account designed to put you in control of your future:

  • Earn 1.00% APY for 12 months
  • After 1 year, continue to earn one of the highest interest rates in the nation (currently 0.40% APY)
  • No monthly service fees
  • No minimum balance required
  • Access your account anytime, anywhere with the Spark Business mobile app
  • Link your digital SparkSM Business Checking account for overdraft protection

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Have questions about savings?

Frequently Asked Questions

For additional questions:

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8AM-10PM ET, Monday-Saturday

It keeps getting better.

Spark Business Checking

Spark Business Checking

Start banking digitally with no monthly transaction limits, monthly fees or minimum balances. And never let your bank hold you back again.

Learn More

Spark Business Features

Spark Business® Features

Spark Business is designed to give you the tools you need to quickly access all your accounts, pay bills and make deposits – anywhere you want to do business.

Learn More

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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 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.