Premier Checking Account

Get more out of your checking account with powerful cash flow management tools

Designed for qualifying businesses with higher transaction volumes

Let our dedicated Business Bankers help tailor a complete banking solution for your company. See if you qualify today.

$ 99
Monthly Service Fee

Waived if prior 30-day Premier Checking balance averages $100,000 or more.

Free
Incoming Wires

All incoming wires, first ten outgoing domestic wires and first four outgoing international wires per month are free. 1

No fee
Digital Transactions

Includes mobile deposits, ACH payments and select online bill pay options. 2

Man taking notes next to a laptop

PREMIER CHECKING ACCOUNT DETAILS

Advanced cash flow capabilities help you stay in control of your finances.

Check protection services like Reverse Positive Pay3 streamline your payables and protect your business.

Man smiling

REMOTE DEPOSIT CAPTURE (RDC)4

Deposit checks right from your office

Qualifying customers may request a complimentary single-feed check scanner to get started. Multi-feed scanner options are available for purchase, or free for some customers with high check deposit volumes.

PREMIER CHECKING ACCOUNT BENEFITS

Unlimited digital transactions

Unlimited free digital transactions including mobile deposits, ACH payments, and select online bill pay options.2

70,000+ No-Fee ATMs

Access your money with no fees at Capital One, MoneyPass® and Allpoint® ATMs.5

Easy Cash Deposits

Make a cash deposit at any Capital One branch, Café or ATM, and select Allpoint® ATMs.6

FDIC-insured

Balances in your business checking accounts are fully insured up to the FDIC’s allowable limits.

Pay Business Bills

Easily send electronic payments to vendors you’d normally pay by check.

Move money with ease and convenience

Our simple money movement solutions include ACH, accounts payables and more.

GET IN TOUCH

See if your small business is a good match to work with a dedicated business banker

Premier Checking is only available to open with assistance from a Capital One business banker, and is not available online or at Capital One branches. See if you're eligible to partner with a business banker by completing our short form.

ADDITIONAL BUSINESS BANKING PRODUCTS

BUSINESS SAVINGS ACCOUNT

Earn up to NaN APY

Reach your goals faster with a business savings account and earn a promotional rate up to NaN APY, guaranteed for 3 months.7

OTHER BUSINESS CHECKING PRODUCTS

Basic and Enhanced Checking accounts

Don’t think Premier Checking is right for your business? Check out our other checking account options for simple and powerful money management tools.

RESOURCES FOR YOUR BUSINESS

FREQUENTLY ASKED QUESTIONS

Premier Checking is only available to open with assistance from a Capital One business banker, and is not available online or at Capital One branches. See if you're eligible to partner with a business banker by completing our short form.

Once you connect with a banker, 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 your business banker 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.

Opening a Basic or Enhanced 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:

  • Personal Identification (Social Security card, and/or personal tax return)
  • Your business’s Articles of Ownership, Articles of Incorporation, business tax returns, proof of ownership, SS-4 Notification Letter, Assumed Name Statement and/or your current lease or Certificate of Occupancy.
  • Up-to-date information about your business’s owners (ownership percentage, date of birth, Social Security number, address, etc.)

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.

Premier Checking accounts can be accessed online through the Intellix platform. Sign in to Intellix to get online access to important cash flow functions.

For Basic Checking customers, the $15 monthly fee can be waived with a $2,000 minimum 30- or 90-day average Basic Checking account balance. For Enhanced Checking customers, the $35 monthly fee can be waived with a $25,000 minimum 30- or 90-day average Enhanced Checking account balance. For Premier Checking customers, the $99 monthly fee can be waived with a $100,000 minimum 30-day average Premier Checking account balance.

Premier Checking accounts include free incoming wire transfers, ten free domestic outgoing wire transfers, and four free outgoing international wires per month. After the first ten, additional domestic outgoing wires are $10 each. After the first four, additional outgoing international wires cost $35 each.

This account has a $99 monthly service fee, which can be waived by maintaining a 30-day average Premier Checking account balance of $100,000 or more.

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.

Looking for business checking products you can open online?

Open a Basic or Enhanced Business Checking account online today.