Capital One Business offers small business checking accounts in the United States with unlimited transactions and no per item fees. There is a monthly service fee that can be waived by keeping a qualifying average balance.
- Who it suits
- United States based small businesses that want a checking account from a large bank with unlimited fee free transactions.
- Broadly available in
- United States only.
- Headline monthly fee
- Basic Checking 15 US dollars per month, waivable with a qualifying average balance
- Account type
- Business checking account
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Capital One offers business checking accounts in the United States. The entry tier, Basic Checking, carries a 15 US dollar monthly service fee that is waived when you keep a qualifying average balance. A higher tier, Enhanced Checking, adds more services for a higher fee. All tiers include unlimited transactions with no per item charges, as of 27 May 2026.
Strengths
Unlimited transactions with no per item fees, a branch and ATM network in supported regions, and a monthly fee that can be waived by keeping a minimum balance.
Limitations
Available to United States based businesses only. Branch coverage is concentrated in certain states. The monthly fee applies if the balance requirement is not met.
Fees and features
| Monthly fee | Basic Checking 15 US dollars per month, waivable with a 2,000 US dollar minimum 30 day or 90 day average balance (as of 27 May 2026). |
|---|---|
| Transaction fees | Unlimited transactions with no per item fees on the business checking tiers (as of 27 May 2026). |
| FX fees | Foreign exchange and international wire terms vary. Verify current fees with the provider. |
| Minimum deposit | No minimum opening deposit stated for Basic Checking. A 2,000 US dollar average balance waives the monthly fee (as of 27 May 2026). |
| Multi currency | Primarily a US dollar checking account. It is not a multi currency account. |
| Integrations | Online and mobile banking with standard business tools. |
| Eligibility | United States registered businesses. Confirm document requirements with the provider. |
Open a Capital One Business business account
Capital One business checking is available to United States based businesses only. Confirm current fees, balance requirements and document needs with the provider before applying. Shown as of 27 May 2026.
Visit Capital One Business →Capital One Business by country
Questions about Capital One Business
How much is Capital One Business Basic Checking?
Does Capital One Business charge per transaction?
Is Capital One Business available outside the United States?
Can I waive the monthly fee?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 27 May 2026. Confirm current terms with Capital One Business before applying.