SuperMoney
  Capital One Spark Business Unlimited Checking
Capital One Spark Business Unlimited Checking Claimed

Capital One Spark Business Unlimited Checking

Claimed
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Business Checking Accounts.
NorthOne Business Checking Account
NorthOne Business Checking Account

Rating not yet determined  

3 reviews
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, founded in 1933 and based in McLean, VA. Capital One Spark Business Unlimited Checking is available in 51 states across the USA.

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.
Capital One Spark Business Unlimited Checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • No charge on incoming domestic wire transfers.
  • No signup bonus.
  • Does not earn interest
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • 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?

No, your Capital One business checking accounts are not insured by a federal insurance agency. This means that if Capital One were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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:

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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

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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Business Formation Documents
  • Government Issued Photo ID
  • Social Security Number
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
APY (Annual Percentage Yield) 0%

Be the first to rate

 

Would you recommend Capital One Spark Business Unlimited Checking to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Capital One Business Checking Accounts

Loading...