Business Advantage Savings





The future is yours to forge.









The future is yours to forge.





1.85% APY for 12 months


Start earning more with an industry-leading rate.
Apply today at your nearest Capital One location.
Find a location near me.

Earn More While You Save

Every small business owner knows that it takes money to make money. Earning a promotional interest rate that is guaranteed for the first 12 months can help the money you save go farther. With Business Advantage Savings, your money is working hard—giving you an edge as you grow your business.

Account At-a-Glance

  • Perfect for businesses looking to get more from the funds they don’t need day-to-day
  • Earn a promotional interest rate that’s guaranteed for the first 12 months1
  • Make up to 6 withdrawals per month

Recommended Products

Spark Business Unlimited Checking
Enjoy unlimited business transactions.

Working Capital Lines of Credit
Get flexible financing for your daily business needs.

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

Find a Location

Meet with a local banking expert to discuss your business goals and needs. Find your closest Capital One Bank location.




Access Made Easy

Bank Location

In Person icon

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

Find a location

Online

Monitor Icon

Manage your business accounts at your convenience.

Learn more about Online Banking

Mobile

Mobile Icon

Access your accounts on the go via your mobile device.

Learn more about Mobile Banking 

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. Minimum balance of $250 required to open account. Monthly cycle charge of $3 assessed if balance drops below $300. Additional fees may apply and could reduce earnings on the account. Money market and savings accounts are subject to transaction limitations. Please refer to our Rules Governing Deposit Accounts for more information about these transaction limits.

1

The promotional 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 10/31/19 and is subject to change at any time. 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. Rates vary by region. Capital One reserves the right to limit the number of promotional Business Advantage Savings accounts per business taxpayer indentification number. Promotional interest rates not applicable to converted accounts. Visit a Capital One location or contact a banker for full details.

Subject to FDIC limitations. A sole proprietor’s business and personal accounts at the same bank are all insured together up to $250,000. All business accounts owned by a corporation, partnership, or unincorporated association at the same bank are insured up to $250,000 per business, separately from the personal accounts of the owners or members. Please see www.fdic.gov for additional information.

2

At certain ATMs owned and operated by Capital One Bank located in gaming establishments and at certain other non-branch locations having no Capital One signage, you may be charged a fee up to $5 for each cash withdrawal. The amount of the fee varies by location and will be displayed on the ATM screen. You will be given an opportunity to cancel the transaction before the fee is imposed.

3

Money market and savings accounts are subject to service charge cycle transaction limits. Please refer to our Rules Governing Deposit Accounts for more information about federal transaction limits.