Unlimited Checking

More money movement so you can focus on the big picture.

Perfect for businesses with higher balances

Stay in control of your business with checking designed to meet your needs.

$ 35
Monthly Service Fee

Waived if prior 30- or 90-day balance averages $25,000 or more.

No fee
Cash Deposits

Ideal for businesses with less than $40,000 in cash deposits. 2

Free
Domestic Wires

Incoming wires are free and first five outgoing wires are free each month. 3

REMOTE DEPOSITS

Additional features

Take advantage of next-day funds, save time with Capital One ProDeposit, and deposit on the go with the mobile app.

ACCOUNT DETAILS

Capital One ProDeposit

Avoid trips to the branch with Capital One ProDeposit—a remote deposit service designed with Unlimited Checking customers in mind.

UNLIMITED CHECKING ACCOUNT BENEFITS

Overdraft Coverage

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

Business Checking

Includes up to 2 Basic Checking accounts with no monthly service fees. 1

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

BASIC CHECKING ACCOUNT

Keep it simple

One core account for your everyday banking activities makes cash flow management simple.

BUSINESS CARDS

Unlimited Rewards

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

ADDITIONAL RESOURCES