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People also ask
How can a Capital One business bank account help your business?
What can Capital One do for your business?
Is Capital One a good bank for small businesses?
How can a Capital One business checking account help your business?
Can I open a business bank account with Capital One?
What types of business checking accounts does Capital One offer?
Apr 26, 2023 · The right business bank account should offer features and services that can help you efficiently run your business. It can also allow you to separate your personal and business finances, which can deliver some tax advantages and limit personal asset exposure.
Discover business banking products, resources and convenient digital tools to move your business forward. Find out how to put our business bank accounts, business lending solutions, and business merchant services tools to work for your business.
All your business checking account needs from cash flow management to more complex transactions—covered. Find out how Capital One business checking accounts can help your business succeed.
- Overview
- Who Is Capital One Best For?
- What Does Capital One Offer?
- Other Financial Products Offered by Capital One
- Capital One Customer Service
- How to Bank With Capital One
- Final Verdict
- What Is Needed to Open a Business Banking Account With Capital One?
- Does Capital One’s Business Checking Account Have a Minimum Balance Requirement?
- Is Capital One FDIC Insured?
Capital One business banking is a good choice for businesses that make frequent digital transactions and prefer to manage their accounts online. It’s a good option for account holders who can either maintain a minimum balance or pay a monthly service fee to waive the requirements. However, it’s not a recommended option for businesses looking for a ...
Capital One should appeal to small business owners looking for a full-service online bank. It may be a good fit for customers who:
Want to use free wire payments
Want business credit cards with no annual fees
Can pay a monthly fee or maintain a minimum balance
Manage most of their banking activities online
Capital One offers a wide range of business credit cards for people and companies with varying credit histories.
offers the following for business account holders:
Free cash deposits up to $5,000.
You need to pay $15 for a monthly service fee, which can be waived if you maintain a minimum of $2,000 in your account.
Deposits after you hit the $5,000 limit are charged at just $1 per $1,000, which can be cost-effective for businesses with smaller transactions.
Five free outgoing wires each month
Two basic checking accounts with no monthly fees
In addition to checking and savings accounts, Capital One also offers the following business banking services:
Business loans and lines of credit
Capital One is one of the best small business banks for a satisfying customer experience, a J.D. Power analysis found, ranking the bank second among 17 large banks in the survey.
The bank has a robust
online addressing most of the common questions. If you need more help, the
website lists a variety of phone numbers
Opening a business bank account with Capital One
may require you to visit a local branch. This isn’t ideal for business owners who would like to
To get started you’ll fill out an online form. You’ll also need to have handy a number of documents:
Personal information (name, date of birth, Social Security number, etc.)
Phone number and email address
U.S. street address (not a P.O. box)
Capital One is a good choice for businesses that can take advantage of the unlimited fee-free transactions and that want to manage their funds online. Unfortunately, Capital One does not offer a completely online experience. Prospective account holders will have to seek out a local branch to open an account—but the bank’s physical presence is limited. Still, once you’re set up, you likely won’t need to visit in person again.
This means it’s obviously not a good option for customers looking for traditional banks with lots of local branches.
You need to be a U.S. resident and be at least 18 years old to open a business banking account with Capital One. You need to find a local branch and
with you, like your proof of identity and business documents. It’s better to bring more documents and not need them rather than having to make a second trip.
The business checking accounts with Capital One don’t have a
You can choose to either pay a monthly service fee or maintain a minimum balance that waives this fee. The fees are $15 and $35 for the two types of checking accounts, so if you can spend that monthly, you won’t have to worry about a minimum balance.
Funds with Capital One are
, which means balances up to $250,000 are covered. In this case, if the bank fails, you will get your money back up to that amount.
Dec 20, 2022 · For starters, Capital One has one of the benefits you get from many traditional banks: It has plenty of different financial products for your business. From checking accounts to savings accounts to business loans to merchant services to business credit cards, Capital One can do a lot for your business.
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- Yes, Capital One is a real bank. It’s been around since 1994, and it’s one of the 10 largest banks in the United States.6
- Capital One can be a good bank, depending on your business’s banking needs. If you prefer a traditional bank, then Capital One has affordable accou...
- Yes, it’s safe to bank with Capital One. Like most banks, Capital One accounts come insured by the FDIC for up to $250,000.
Jun 11, 2024 · If your small business needs affordable business checking with brick-and-mortar banking access, Capital One is an excellent choice. Both of its business accounts—Basic Checking and Enhanced Checking—offer unlimited fee-free digital transactions for a waivable monthly fee.
Jul 17, 2024 · Earn up to $300* $0. $15. Waivable. *Offer Details. Separate Your Business and Personal Finances. When you set up a business bank account, it creates a separate place to keep your business funds....
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