Basic Checking

Business checking you can count on for your basic cash flow management needs.

One core account for your everyday banking activities

Simplify your cash flow management with unlimited digital transactions every month.

$ 15
Monthly Service Fee

Waived if prior 30- or 90-day balance averages $2,000 or more.

No fee
70,000+ ATMs

Access your money with no fees at Capital One, MoneyPass® and Allpoint® ATMs.1

No fee
Digital Transactions

Includes mobile deposits, ACH payments and online bill pay. 2

ACCOUNT DETAILS

Simple cash flow management

The account you can rely on for your business banking needs. With unlimited digital transactions and streamlined services, it’s the smart choice.

DIGITAL MONEY MOVEMENT

We’ve got your digital money movement needs covered. 

Our Basic Checking account allows you to access ACH payments for free, send wires from the web, and pay bills and vendors from one place.3 You can also deposit on the go with mobile deposit.

BASIC CHECKING ACCOUNT BENEFITS

Overdraft Coverage

Get free Overdraft Protection with a linked Capital One Business deposit account.

70,000+ No-Fee ATMs

Access your money with no fees at Capital One, MoneyPass® and Allpoint® ATMs.1

Bank on the Go

Take advantage of 24/7 account access with mobile banking and make check deposits from your smartphone.

FDIC-insured

Balances in your Basic Checking account are fully insured up to the FDIC’s allowable limits.

Easy Cash Deposits

Make a cash deposit at any Capital One branch, Café or ATM, and select Allpoint® ATMs.4

Online Bill Pay

Easily send electronic payments to vendors you’d normally pay by check. It’s free!

GET IN TOUCH

See if your business is a good match to work with a dedicated business banker

When you partner with us, you get access to specialized products, money management tools, flexible lending options and special rates. Check your eligibility to find the support you want, when you need it.

FREQUENTLY ASKED QUESTIONS

Opening a business checking account online with Capital One is easy. We’ll just ask a few questions about yourself and your business. You may want to have a few documents on-hand to reference as you complete your application, including:

  • Personal Identification (Social Security card, and/or personal tax return)
  • Your business’s Articles of Ownership, Articles of Incorporation, business tax returns, proof of ownership, SS-4 Notification Letter, Assumed Name Statement and/or your current lease or Certificate of Occupancy.
  • Up-to-date information about your business’s owners (ownership percentage, date of birth, Social Security number, address, etc.)

Other important information you need to know:

  • You must be at least 18 years of age and must be a legal U.S. resident.
  • All applicants are subject to review of past account handling and verification of the information provided.

Interested in opening an account with the help of a representative? If your business is a good match for a Capital One Business Banker or if you’re located near a branch, we may be able to support you—the first step is to fill out this form.

Here's what you'll need to complete the application:

  • Personal information (name, date of birth, Social Security number, etc.)
  • Email address and phone number
  • U.S. address and owner establishment date (not a P.O. box)
  • Legal name of business and type of business
  • Business establishment date with signer’s full name
  • Tax ID number, ownership structure and number of employees
  • Percent of ownership and annual gross revenue


Additional documentation may be required depending on business ownership structure, etc. Ask yor banker or branch associate for details.

Other important information you need to know:

  • You must be at least 18 years of age and must be a legal U.S. resident.
  • All applicants are subject to review of past account handling and verification of the information provided.

Once your account has been approved you will receive an email with a link to set up your access. After you complete set up, you will have immediate access to your online account.

For Basic Checking customers, the $15 monthly fee can be waived with a $2,000 minimum 30- or 90-day average balance. For Enhanced Checking customers, the $35 monthly fee can be waived with $25,000 minimum 30- or 90-day average balance.

ADDITIONAL PRODUCTS

ENHANCED CHECKING ACCOUNT

Take it to the next level

For businesses with high transaction volumes and balances, consider an Enhanced Checking account.

BUSINESS CARDS

Unlimited Rewards

Start earning rewards on every purchase. Choose from our suite of cards designed with business in mind.

ADDITIONAL RESOURCES