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  Capital One Spark Business Unlimited Checking

Capital One Spark Business Unlimited Checking

in Business Checking Accounts from Capital One · fdic

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Capital One Spark Business Unlimited Checking

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in Business Checking Accounts from Capital One · Member FDIC

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Highlights
Monthly Fee $0 - $35
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee Starting at $25,000
APY (Annual Percentage Yield) 0%

Capital One Spark Business Unlimited Checking Review

Capital One Spark Business Unlimited Checking is offered by Capital One, a bank founded in 1933 and based in McLean, VA. Capital One Spark Business Unlimited Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • 0% APY. As with most checking accounts, Capital One Spark Business Unlimited Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of up to $35, but the fee is waived if you keep a minimum balance of $25,000.
  • $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 Unlimited Checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic wire transfers.
  • No signup bonus.
  • Does not earn interest
  • Higher than average wire transfer fees.
  • Monthly service charge.
Capital One Spark Business Unlimited Checking FAQ

Are business checking accounts from Capital One federally insured?

Yes, your Capital One business checking accounts 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 Unlimited Checking offer?

Capital One Spark Business Unlimited Checking is not an interest-bearing account.

What are the account minimums for Capital One Spark Business Unlimited Checking?

Capital One Spark Business Unlimited Checking requires a minimum initial deposit of $250 to open an account.

Capital One Spark Business Unlimited Checking Account Minimums
Description Amount
Minimum Initial Deposit $250
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Balance to Avoid Monthly Fee $25,000

What fees does Capital One Spark Business Unlimited Checking charge?

This account charges a monthly maintenance fee of up to $35.

Capital One Spark Business Unlimited Checking Fees
Description
ATM Fee: In-Network 0
Check Cashing Fee 0
Check Image Service 0
Monthly Fee $0 - $35
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) $0
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 Unlimited 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 Unlimited 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 Unlimited Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Capital One Spark Business Unlimited Checking

With Spark Business Unlimited Checking, you can make as many everyday business transactions as you want. Take control of your business without having to worry about unexpected fees or limits. So go on—send, receive, withdraw, and deposit, knowing you have an account you can count on.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Capital One

Icon for Business Checking Accounts
View all business checking accounts offered by Capital One

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Balance to Avoid Monthly Fee Starting at $25,000
Minimum Combined Balance to Avoid Monthly Fee 25,000
Minimum Opening Deposit Starting at $250
ATM Fee: In-Network 0
Check Cashing Fee 0
Check Image Service 0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Incoming) $0
Monthly Fee $0 - $35
Overdraft Item Fee $35
Paper Statement Fee 5
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $35
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) 25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) 40
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Expense Management

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