Last Updated: 03/24/2026
Capital One Spark Business Basic Checking
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Last Updated: 03/24/2026
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Highlights
Monthly Service Fee
ATM Fee: Out-of-Network (within the U.S.)
Minimum Average Balance to Avoid Monthly Service Fee
APY (Annual Percentage Yield)
Capital One Spark Business Basic Checking Review
Key Takeaways
- 0% APY. As with most checking accounts, Capital One Spark Business Basic Checking does not pay interest.
- Charges a monthly fee. This account charges a monthly fee of up to $15, but the fee may be waived if you keep a minimum balance of$2,000.
- $250 minimum opening deposit. This is a typical minimum initial deposit.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Capital One mobile or online banking.
Capital One Spark Business Basic Checking Pros & Cons
| Pros | Cons |
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Capital One Spark Business Basic Checking FAQ
Are business checking accounts from Capital One federally insured?
What APY does Capital One Spark Business Basic Checking offer?
What are the account minimums for Capital One Spark Business Basic Checking?
| Description | Amount |
| Minimum Initial Deposit | $250 |
| Minimum Combined Balance to Avoid Monthly Fee | $2,000 |
| Minimum Balance to Avoid Monthly Fee | $2,000 |
What fees does Capital One Spark Business Basic Checking charge?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Capital One Spark Business Basic Checking offer?
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Fraud monitoring - Capital One Spark Business Basic Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Capital One Spark Business Basic Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Other Business Checking Accounts from Capital One
Monthly Service Fee
ATM Fee: Out-of-Network (within the U.S.)
Minimum Average Balance to Avoid Monthly Service Fee
APY (Annual Percentage Yield)
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SuperMoney Net Recommendation Score
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+75
Capital One Spark Business Basic Checking Community Reviews
Would you recommend Capital One Spark Business Basic Checking to your friends?
Anonymous
Mar 2, 2025
May or may not recommend
Damilare
Jun 11, 2022
May or may not recommend
Sara S.
Mar 7, 2022
May or may not recommend
Neha V.
Jul 18, 2021
May or may not recommend
Showing 4 of 4 reviews