Banking that lets you get back to business
No monthly transaction limits, monthly service fees or minimum balances
Speak to a Spark Business® professional now:
1-844-88-SPARK
SparkSM Business Checking
Start banking digitally with no monthly transaction limits, monthly fees or minimum balances. And never let your bank hold you back again.1
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SparkSM Business Savings
With a 1.00% APY for the first 12 months–one of the highest interest rates in the nation–and no monthly fees, our digital savings account puts your money to work.2
Learn MoreManage your account on your terms.
Spark Business gives you the tools you need to quickly access your accounts, pay bills, send electronic invoices and make deposits from your phone or tablet.
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Ranked “Highest in Customer Satisfaction with Small Business Banking in the Northeast Region”
Source: J.D. Power’s 2016 Small Business Banking Satisfaction Study
Checking and savings are just the beginning.
Explore more solutions to keep your business moving, growing and earning.
Spark® Credit Cards
Boost your bottom line with business rewards like 2% cash back and double miles.
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Spark 401k
Low-cost 401(k) plans built to fit your business whether you're self-employed or have 50+ or more employees.3
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1-844-88-SPARK
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Spark Business IQ
Ignite your inner entrepreneur.
Spark Business IQ is a resource for business owners, providing you with growth strategies, financial improvement tips and inspirational stories from successful entrepreneurs.
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Investment and Insurance Products Are:
Not FDIC Insured |
Not Bank Guaranteed |
May Lose Value |
Not a Deposit |
Not Insured By Any Federal Government Agency |
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Banking and lending products and services are provided by Capital One, N.A. and Capital One Bank (USA), N.A., Members FDIC.
Investment products are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA /SIPC. Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor. Insurance products are offered through Capital One Agency, LLC.
All are subsidiaries of Capital One Financial Corporation.
Free Online Bill Payment Service is not intended for use by commercial and institutional clients with annual sales exceeding $10 million.
Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges. Mobile Deposit is available only in the U.S. and U.S. Territories.
Disclaimer: Capital One received the highest numerical score among nine banks in the Northeast region in the J.D. Power 2016 U.S. Small Business Banking Satisfaction Study, based on 8,159 total responses, measuring the opinions of small business customers with annual revenues of $100,000-$10 million, surveyed June-August 2016. Your experiences may vary. Visit jdpower.com
1
Digital Spark Business Checking accounts can only be opened online and cannot be opened by customers by telephone, facsimile, or by visiting a branch. Digital Spark Business Checking accounts are designed for customers with access to online banking and limited cash deposit needs. The account can be accessed at 38,000 fee-free Allpoint® ATMs and 2,000 Capital One® ATMs. Third-party ATM charges may apply when using an out of network ATM. Free overdraft protection is provided when you link your digital Spark Business Checking account to your Spark Business Savings account.
Please visit Spark Business Checking Terms & Conditions for additional information about deposit limits and fees.
2
Spark Business Savings accounts can only be opened online and cannot be opened by customers by telephone, facsimile, or by visiting a branch.
Earn 1.00% APY Offer: Offer begins June 8, 2016 and expires December 31, 2017. Offer is strictly non-transferable. Void where prohibited. The promotional Annual Percentage Yield (APY) applies to the first $1,000,000 in account balances and is available to new accounts only. All portions of balances over $1,000,000 will earn the standard rate. To qualify, you must open a new Capital One Spark Business Savings Account between June 8, 2016 and December 31, 2017. Advertised APY is current as of June 8, 2016. Promotional rate will expire 365 days after account opening. Upon expiration, the standard interest rate in effect as of that date will apply to the entire balance. Standard APY is variable and subject to change at any time without notice. Interest on your Spark Business Savings Account is accrued daily and compounded monthly and credited to your available balance. Your account must be open and in good standing to receive the credits. No minimum balance required. This offer cannot be combined with any other Capital One Bank new account opening offer. Limit one promotional Spark Business Savings Account per customer. Promotional interest rates not applicable to converted accounts. Terms and conditions subject to change without notice.
Rate Source: Informa Research Services, 12/05/2016.
Please visit Spark Business Savings Terms & Conditions for additional information about deposit limits and fees.
Routine or unscheduled maintenance may impact accessibility.
3
Spark Business and Capital One Advisors, LLC are affiliated companies of Capital One Financial Corporation. Each are separate legal entities and each is responsible for its own products and services.
401(k) plans offered by Capital One Advisors range from 27% to 58% less than the industry average at various data points from $50K plan with 6 participants to a $100M plan with 2,000 participants based on 401k Averages Book 2013 Data and Custom Benchmarking report prepared for Capital One Advisors (formerly ShareBuilder Advisors). Cost comparisons are based on plan assets and number of participants and reflect core on-going 401(k) plan expenses that a company and/or its employees can expect to incur as a percentage of assets with most any 401(k) plan. This includes administration, recordkeeping, tax filing prep documents, plan testing, fund expense ratios, and other investment costs passed on to every participant to service the plan. It does not include unique employee initiated transactions such as loans, distributions or employer transactions such as plan amendments. ShareBuilder 401K pricing is based off standard pricing rates for a typical ShareBuilder 401K Simplified 401(k) plan.
ShareBuilder 401k is the marketing name for Capital One Advisors, LLC.