The Capital One Spark Business Checking may very well be one of the highest satisfactory Free Business Checking accounts out there. With an expected no monthly account service fee or minimum balance requirement attached on top of free online invoicing, online bill pay, efficient mobile banking and so much more.
One of the most eccentric feature we found on this account is that there’s no monthly transaction limits applicable, so if you’re in the market for a free business checking account, we highly recommend that you bank with better at Capital One!
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Capital One Bank Spark Business Checking Summary:
- Apply Now
- Account Type: Spark Business Checking
- Availability: Nationwide
- Soft/Hard Pull: Soft pull
- Credit Card Funding: Unknown
- Direct Deposit Requirement: None
- Additional Requirements: None, but it is to my understanding that free overdraft protection is provided when you link your Spark Business Checking account to a Spark Business Savings account.
- Monthly Fee: None
- Early Termination Fee: None
Capital One Bank Spark Business Checking Features:
- 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
Pros:
- No monthly transaction limits
- No monthly account service fees or minimum balance req.
- 40,000 fee-free ATMs nationwide
Cons:
- May not be a good option if your business needs to constantly deposit cash or if you prefer face-to-face service
Conclusion:
With the Capital One Spark Business Checking, you’ll be able to take your business banking experience to the next level. Better yet, the account has no monthly service fees or minimum balance requirements attached. With free online bill pay, mobile deposits that is available the next day and Spark Business’s more-than-efficient Mobile Banking App, you’ll be able to manage your business checking needs.
It’s necessary to keep in mind however, that this account may not be a good option for those businesses that needs to constantly deposit cash considering that a sum of branches don’t provide support for Spark Business accounts, and only Capital One ATMs accepts cash deposits. Be sure to check out our complete list of Bank Deals for all of your banking necessities!
I’m looking for a small business savings and checking account that is good with large wire transfer deposits. Online banking is fine as long as I can wire to and from the account. what is the best bank for me? I was looking into Capital One Bank. Do all business accounts charge for large deposits?