Basic Checking

Business checking you can count on for your basic cash flow management needs.

One core account for your everyday banking activities

Simplify your cash flow management with unlimited digital transactions every month.

$ 15
Monthly Service Fee

Waived if prior 30- or 90-day balance averages $2,000 or more.

$ 5,000
Cash Deposits

Included monthly at no charge; $1 for every $1,000 deposited after that.

$ 15
Domestic Wires

$15 per incoming domestic wire and $25 per outgoing wire. 1

ACCOUNT DETAILS

Simple cash flow management

The account you can rely on for your business banking needs. With unlimited digital transactions and streamlined services, it’s the smart choice.

BASIC CHECKING ACCOUNT BENEFITS

Overdraft Coverage

Get free Overdraft Protection with a linked Capital One Business deposit account.

Free Debit Cards

It’s your money—access it at no cost with free business debit cards.

Bank on the Go

Take advantage of mobile banking and deposits from your smartphone.

Fee-free Digital

Unlimited digital transactions each month with no fees in sight.

24/7 Access

Real-time account information day or night.

Online Bill Pay

Easily send electronic payments to vendors you’d normally pay by check. It’s free!

FREQUENTLY ASKED QUESTIONS

The first step is to fill out this form. If you need to come into a branch to complete the account opening process, we will let you know. Sometimes in the account opening process you’ll need to visit your local branch to fund the account and sign the signature cards.

Here's what you'll need to complete the application:

  • Personal information (name, date of birth, Social Security number, etc.)
  • Email address and phone number
  • U.S. address and owner establishment date (not a P.O. box)
  • Legal name of business and type of business
  • Business establishment date with signer’s full name
  • Tax ID number, ownership structure and number of employees
  • Percent of ownership and annual gross revenue

Additional documentation may be required depending on business ownership structure, etc. Ask a branch associate for details.

Other important information you need to know:

  • You must be at least 18 years of age and must be a legal U.S. resident.
  • All applicants are subject to review of past account handling and verification of the information provided.

Your online access should be available within a few hours after opening an account.

For Basic Checking customers, the $15 monthly fee can be waived with a $2,000 minimum 30- or 90-day average balance. For Unlimited Checking customers, the $35 monthly fee can be waived with $25,000 minimum 30- or 90-day average balance.

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.

ADDITIONAL PRODUCTS

UNLIMITED CHECKING ACCOUNT

Take it to the next level

For businesses with high transaction volumes and balances, consider an unlimited checking account.

BUSINESS CARDS

Unlimited Rewards

Start earning rewards on every purchase. Choose from our suite of cards designed with business in mind.

ADDITIONAL RESOURCES