One core account for your everyday banking activities
Simplify your cash flow management with unlimited digital transactions every month.
Waived if prior 30- or 90-day balance averages $2,000 or more.
Access your money with no fees at Capital One, MoneyPass® and Allpoint® ATMs.1
Includes mobile deposits, ACH payments and select online bill pay options.2
BASIC CHECKING ACCOUNT DETAILS
The account you can rely on for your business checking needs. With unlimited digital transactions and streamlined services, it’s the smart choice.
DIGITAL MONEY MOVEMENT
Our Basic Checking account allows you to access ACH payments for free, send wires from the web and pay bills and vendors from one place.3 You can also deposit on the go with mobile deposit.
Get free Overdraft Protection with a linked Capital One Business deposit account.
Access your money with no fees at Capital One, MoneyPass® and Allpoint® ATMs.1
Take advantage of 24/7 account access with mobile banking and make check deposits from your smartphone.
Balances in your Basic Checking account are fully insured up to the FDIC’s allowable limits.
Make a cash deposit at any Capital One branch, Café or ATM, and select Allpoint® ATMs.4
Easily send electronic payments to vendors you’d normally pay by check.
GET IN TOUCH
See if your small business is a good match to work with a dedicated business banker
When you partner with Capital One business bankers, you get access to specialized products, money management tools, flexible lending options and special rates. Check your eligibility to find the support you want, when you need it.
ENHANCED CHECKING ACCOUNT
For businesses with high transaction volumes and balances, consider an Enhanced Checking account.
BUSINESS CARDS
Start earning rewards on every purchase. Choose from our suite of cards designed with business in mind.
RESOURCES FOR YOUR BUSINESS
How do I open a Capital One business checking account online?
Opening a business checking account online with Capital One is easy. We’ll just ask a few questions about yourself and your business. You may want to have a few documents on-hand to reference as you complete your application, including:
Other important information you need to know:
How do I open a business checking account with a representative?
Interested in opening an account with the help of a representative? If your business is a good match for a Capital One Business Banker or if you’re located near a branch, we may be able to support you—the first step is to fill out this form.
Here's what you'll need to complete the application:
Additional documentation may be required depending on business ownership structure, etc. Ask your business banker or branch associate for details.
Other important information you need to know:
How long does it take for my account to be open online, and when will I have access?
Once your account has been approved you will receive an email with a link to set up your access. After you complete set up, you will have immediate access to your online account.
How can I avoid incurring the monthly services fees on a checking account?
For Basic Checking customers, the $15 monthly fee can be waived with a $2,000 minimum 30- or 90-day average balance. For Enhanced Checking customers, the $35 monthly fee can be waived with $25,000 minimum 30- or 90-day average balance.
How do I order checks?
Checkbooks can be ordered by logging into your Capital One account. After selecting the account you want to order checks for, you can select “Account Services and Settings” and “Order Checks” to place your checkbook order.
Are my deposits with Capital One insured by the FDIC?
Capital One, N.A. is a member of the FDIC (Federal Deposit Insurance Corporation) - an independent agency of the United States government. Your deposit accounts are insured by the FDIC up to $250,000 based on ownership types. When you see the FDIC logo you can rest assured your money is safe and secure. To learn more visit www.fdic.gov.