Business Checking Accounts | Small Business Banking

Footnotes

Learn more about FDIC insurance coverage.

Products and services may not be available in all areas and may require a physical bank branch location or a designated banker to sign up.

Please ask us about the Rules Governing Deposit Accounts and for more information about transaction limits and other fees. Fees may reduce earnings in the account.

Business Checking accounts are not intended for commercial clients with annual sales revenues exceeding $10 million and Capital One may convert such clients into an alternate checking product.

Web access is needed to use Mobile Banking. Check with your service provider for specific fees and charges. Mobile deposit is available only in the U.S. and U.S. Territories.

Wire fees for Basic Checking, Enhanced Checking, and Premier Checking include:

	Basic Checking	Enhanced Checking	Premier Checking
Incoming Domestic WIres	$15	$0	$0*
Outgoing Domestic Wires	$25	$0 (first five per month) $25 (after first five)	$0* (first ten per month) $10* (after first ten)
Incoming International Wires	$15	$15	$0*
Outgoing International Wires	$40	$40	$0* (first four per month) $35* (after first four)

*This price applies when you use the Treasury Management Intellix platform. Standard pricing will apply when wires are sent or received through online banking, branch locations, call center or email.

Additional fees for outgoing international wires may apply depending on transaction currency.

No fee for online bill pay applies only to select payment options, such as payments by ACH, and does not apply to other payment methods, such as payments by credit card. Free online bill pay is for business payments only and not intended for use by commercial and institutional clients with annual sales exceeding $10 million. If you schedule a bill payment through Capital One online bill pay and incur a late fee or penalty fee because the payment does not arrive on time (certain conditions apply), Capital One may reimburse you (up to $50) for any late fee or penalty you incur and will work with you and the payee to resolve any issues associated with a delayed payment. Online bill pay terms referenced above only apply to accounts opened through Small Business Bank. Mobile deposits refers to checks deposited via the Capital One Mobile app. Free ACH payments applies to Basic Checking, Enhanced Checking, Business Savings and Premier Checking accounts, but does not include expedited ACH payment options which may be available for an additional fee. ACH payment fees may apply to other business banking products. Fees and restrictions may apply to wire transfers. For more information, see explanation of key services and charges for Basic Checking and Enhanced Checking or contact your Business Banker.

The Capital One ATM network offers checking customers free access to Capital One, MoneyPass® and Allpoint® ATMs. Fee-free ATM access is limited to consumer and small business checking accounts. As of 8/27/2024, there are 1,244 Capital One ATMs, 36,669 MoneyPass® ATMs and 41,409 Allpoint® ATMs.

There are no cash transaction fees for Enhanced Checking customers. For Basic Checking customers, monthly cash deposits with a teller above $5,000 at Capital One branches are subject to cash transaction fee of $1 per $1,000. For Premier Checking customers cash deposits with a teller are subject to a cash transaction fee of $5 per deposit ticket. Basic, Enhanced and Premier Checking customers can also deposit cash at Capital One and select Allpoint® ATMs, which are not subject to any fees. Cash deposits at select Allpoint® ATMs depend on your geographical location. Find ATMs near you that accept cash deposits using Capital One’s Location Finder. Enhanced Checking is designed for businesses with cash deposit needs under $40,000 per month. If your business does not qualify, please talk to your banker/branch about alternatives to Enhanced Checking, such as our commercial services, that may better suit your business needs. To make sure you get the best product for your business, small businesses that no longer meet these cash deposit requirements for Enhanced Checking may be converted into an alternate checking product. Additionally, Capital One may authorize the closure of any deposit account under the name of a business which continues to operate outside of these cash deposit requirements.

Remote Deposit Capture (RDC) service enrollment is subject to approval and may include either a single-feed or multi-feed scanner at no cost depending on certain conditions. Contact your Business Banker for additional details.

Reverse Positive Pay is a fraud protection tool included with Premier Checking that allows you to make a payment or return decision for checks presented for payment. For additional fraud protection services and associated fees contact your Business Banker.

Promotional Annual Percentage Yield (APY) calculated based on 12 months compounding interest at the current promotional interest rate. Promotional interest rate expires after 3 months (92 days) at which time a variable interest rate will apply that is subject to change at any time without notice. The promotional rate is available to new business savings accounts only and varies depending on account balances. Please refer to our Business Savings page for more information.

Business checking that works as hard as you do

BUSINESS CHECKING PRODUCTS

Basic Checking

Enhanced Checking

Premier Checking

ALWAYS ON BENEFITS THAT WORK HARD FOR YOUR BUSINESS

Unlimited digital transactions

70,000+ No-Fee ATMs

Easy Cash Deposits

FDIC-insured

Pay Business Bills

Move money with ease and convenience

Additional Products

Earn up to 3.70% APY

Footnotes