Capital One Business offers small business checking accounts in the United States with no fee digital transactions. 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 no fee digital 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. Enhanced Checking costs 35 US dollars a month, waived with a 25,000 US dollar minimum balance, and Premier Checking costs 99 US dollars a month, waived with 100,000 US dollars. Digital transactions carry no fee on every tier, as of 11 October 2026.
Strengths
No fee digital transactions, more than 70,000 fee free ATMs, and a monthly fee that can be waived by keeping a minimum balance.
Limitations
Available to United States based businesses only. Capital One says some products may need a branch or a designated banker to sign up, and the accounts are not intended for businesses with more than 10 million US dollars in annual sales. 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 11 October 2026). |
|---|---|
| Transaction fees | Mobile deposits, ACH payments and online bill pay carry no fee. On Basic Checking, teller cash deposits above 5,000 US dollars a month cost 1 US dollar per 1,000 US dollars (as of 11 October 2026). |
| FX fees | On Basic Checking, incoming international wires cost 15 US dollars and outgoing international wires cost 40 US dollars in a foreign currency or 50 US dollars in US dollars. Additional currency fees may apply. |
| Minimum deposit | The Basic Checking key services sheet does not state a minimum opening deposit. A 2,000 US dollar average balance waives the monthly fee (as of 11 October 2026). |
| Multi currency | Primarily a US dollar checking account. It is not a multi currency account. |
| Integrations | Online and mobile banking, mobile deposit, ACH payments and online bill pay. |
| Eligibility | United States registered businesses. Confirm document requirements with the provider. |
Open a Capital One 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 11 October 2026.
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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 11 October 2026. Confirm current terms with Capital One Business before applying.