SparkSM Business Checking

Don't let anything hold your business back. Choose digital banking designed to give you 24-hour flexibility and control.

  • No monthly transaction limits
  • No monthly account service fees
  • Mobile deposits available next day
  • No minimum balance required
  • 40,000 fee-free ATMs nationwide
  • Free online invoicing
  • Free online bill pay
  • Spark Business mobile banking app

Your business. Our top priority.

Capital One ranked “Highest in Customer Satisfaction with Small Business Banking in the Northeast Region” in J.D. Power’s 2016 Small Business Banking Satisfaction Study.

Digital Spark Business Checking accounts can only be opened online and cannot be opened by customers by telephone, facsimile, or by visiting a branch. Digital Spark Business Checking accounts are designed for customers with access to online banking and limited cash deposit needs. The account can be accessed at 38,000 fee-free Allpoint® ATMs and 2,000 Capital One® ATMs. Third-party ATM charges may apply when using an out of network ATM. Free overdraft protection is provided when you link your digital Spark Business Checking account to your Spark Business Savings account.

Please visit Spark Business Checking Terms & Conditions for additional information about deposit limits and fees.

Free Online Bill Payment Service is not intended for use by commercial and institutional clients with annual sales exceeding $10 million.

Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges. Mobile Deposit is available only in the U.S. and U.S. Territories. Routine or unscheduled maintenance may impact accessibility.

Disclaimer: Capital One received the highest numerical score among nine banks in the Northeast region in the J.D. Power 2016 U.S. Small Business Banking Satisfaction Study, based on 8,159 total responses, measuring the opinions of small business customers with annual revenues of $100,000-$10 million, surveyed June-August 2016. Your experiences may vary. Visit