Capital One Spark Business Basic Checking
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Capital One Spark Business Basic Checking
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| Community Rating |
Rating not yet determined |
| Monthly Fee |
$0 - $15 (Verified 08/04/2023) |
| ATM Fee: Out-of-Network | N/A |
| APY (Annual Percentage Yield) |
0% (Verified 08/04/2023) |
| Minimum Balance to Avoid Monthly Fee | Starting at $2,000 |
Capital One Spark Business Basic Checking Review
Capital One Spark Business Basic Checking is offered by Capital One, a bank founded in 1933 and based in McLean, VA. Capital One Spark Business Basic Checking are available in 50 states (and Washington, DC).
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 service fee of up to $15, but the fee is waived if you keep a minimum balance of $2,000.
- $250 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- Bill pay. Pay your bills to practically anyone in the United States through Capital One.
Capital One Spark Business Basic Checking Pros & Cons
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Capital One Spark Business Basic Checking FAQ
Are business checking accounts from Capital One federally insured?
Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Capital One Spark Business Basic Checking offer?
Capital One Spark Business Basic Checking is not an interest-bearing account.
What are the account minimums for Capital One Spark Business Basic Checking?
Capital One Spark Business Basic Checking requires a minimum initial deposit of $250 to open an account.
| 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?
This account charges a monthly maintenance fee of up to $15.
| Description | |
|---|---|
| ATM Fee: In-Network | 0 |
| Check Cashing Fee | 0 |
| Monthly Fee | $0 - $15 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $35 |
| Overdraft Protection Fee (per transfer) | $0 |
| Paper Statement Fee | 5 |
| Returned Deposit Fee (Domestic) | $20 |
| Returned Deposit Fee (International) | $35 |
| Stop Payment Fee | $25 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | 25 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | 40 |
What features and perks does Capital One Spark Business Basic Checking offer?
This account includes the following features:
- 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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Message From Capital One Spark Business Basic Checking
Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 USA - (877) 383-4802
- Visit Site
- Email Support
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Minimum Balance to Avoid Monthly Fee | Starting at $2,000 |
| Minimum Combined Balance to Avoid Monthly Fee | 2,000 |
| Minimum Opening Deposit | Starting at $250 |
Capital One Spark Business Basic Checking Community Reviews
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