Capital One Bank Spark Business Checking is made with the small business in mind with their great checking benefits. Capital One is giving businesses unlimited free transactions and a high cash deposit limit. The Spark Business Checking also provides several options to waive the maintenance fee that comes with their amazing checking account. So you never have to fret about paying additional fees if you can meet the minimum requirements. Capital One conveniently has 40,000 fee-free ATMs nationwide. They also give the business checking account the luxury to bank online or through their mobile phone. Now it is easier to manage your business’ financials through mobile deposits and online bill pay through your fingertips and on the go!
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If you’re interested in the Capital One Bank Spark Business Checking account, see our list of Best Capital One Credit Cards to complete your small business needs!
Types of Spark Business Checking Accounts:
- Spark Business Basic Checking: Spend less time time worry about fees and more time building your business.
- Unlimited business transactions.
- Deposit up to $5,000 in cash each month with no fee; $1 for every $1,000 deposited after that.
- Standard wire fees apply.
- $15 monthly service fee: $15 monthly fee waived with $2,000 minimum 30- or 90-day average balance.
- Spark Business Unlimited Checking:
- 5 free domestic wire transfers per month and have access to 2 Basic Checking accounts at no additional cost.
- Unlimited business transactions.
- No fee for cash deposits.
- First 5 domestic wires free each month.
- $35 monthly service fee: $35 monthly fee waived with $25,000 minimum 30- or 90-day average balance.
Spark Business Checking Features:
- No monthly transaction limits
- Mobile deposits available next day
- 40,000 fee-free ATMs nationwide
- Free online bill pay
- No minimum balance required
- Free online invoicing
- Spark Business mobile app
Capital One Spark For Small Businesses:
Capital One is making your time their priority. Time is precious especially when you’re running your own business and with the ease and convenience of the Capital One Spark Business Checking Account you’ll never have to waste valuable time for your finances. Capital One offers two business checking accounts, Capital One Basic Checking & Capital One Unlimited Checking, and you get to choose the account that will best address your business’ needs. Whether you decide to choose the Basic or the Unlimited Checking account you can rest easy knowing that Capital One is there to watch your back. You will have access to complete domestic wire transfers and you can complete as many business transactions as you want with no additional fees. The Basic Checking has a $15 monthly fee and the Unlimited Checking has a $35 monthly fee. But Capital One gives you several ways to waive the monthly fee by meeting a minimum average balance or obtaining two additional eligible business products.
Bottom Line:
Capital One Bank Spark Business Checking is a small business’ dream checking account. You don’t have to worry about any maximum for deposits and you can operate your business with unlimited business transactions with no additional fees. You also have the convenience of heading to one of the 40,000 fee free ATMs to complete your banking needs or simply pulling out your mobile phone and depositing checks through their mobile deposit feature. There are monthly fees but it is easily achievable with a small business as the requirements are quite small. This is a great checking account so don’t wait to join Capital One so that you can have them in your wallet! For more free business checking accounts check out our extensive listing.
 The Ink Business Preferred® Credit Card offers 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase TravelSM. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase TravelSM. This card does come with a $95 annual fee but does not have any foreign transaction fees. |
I too have not had a good experience trying to open a Spark Business Checking account. I started this process in mid-July and it’s still taking a while to be set up. For anyone considering these, I’d recommend looking for different for different banks.
It is the same thing for me. I just started my business as a consultant and decided to open a business bank account at Capital One Spark Business which I signed up on line on 08/15/17. The following day they sent me an email asking me to provide my business documents which I submitted on 08/17/17.
I’m very disappointed because of the long process it takes to open a business account. I called them a few times to check on the process and they told me it will take 7-10 business days to review. Then, yesterday 8/29/17, they sent me another email asking me to resend the same documents they asked on their previous email and that I’ve already sent. And they told me that will take another 7-10 business to review. Seriously, I don’t understand why they take so long to open a business bank account. Well, I’m glad to find out that I’m not the only one going through the same issue.
I give SPARKS Business Checking account a half star review . It has taking me about three month to set up this account . They have poor customer service. The Reps all sound like trainees and not sure of themselves with no confidence in their voice the way they respond. Poor phone communication system that sounds like a tin can. Now that I’m finely up and running I tried to deposit a check two week ago using my phone app. and it doesn’t even work all I get is an error message. I tried today all I got was another error message. I wouldn’t be so upset , but come on now. Online banking has been around for years and you guys can’t seem to get your simple small app up and running. I thought Capital was a large reputable co. You would think they would at lest have the best IT techs to handles this issue in a matter of days not weeks. If this was my co I would surly be embarrassed.