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Capital One Business Checking Review: $800 Promotion!

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Capital-One-Bank-FeaturedGet the latest sign-up promotions from Capital One Business Checking and Savings accounts here.

Some bonus offers in the past have been for $200, $250, $300, $400, etc.

Capital One bank has physical branches in these states: CT,DC,DE,LA,MD,NJ,NY,TX,VA.

Capital One Business review highlights:

Capital One Business $800 Total Promotion

There’s a new $300 bonus offer where you’ll have to open 3 new Business accounts from Capital One to be eligible. One of those accounts is a Spark Cash for Business card that actually has a $500 sign-up bonus also. It’s several accounts, but you can wind up with a bonus $800 in the bank!

Capital-One-Business-300-Promotion
Capital One Business $300 Promotion
  • Promotion Link: No online link; speak to a banker at your local branch. Ask about the $300 promotion for opening 3 Business accounts. You can also click on the image above to print the offer out to show the banker.
  • Expiration: 03/31/2016
  • Bonus Amount: $300 + $500 for business card
  • Related Bonus: Capital One 360 Checking & Savings
  • Competitor Bonus:
  • Account(s) Eligible: Business Checking, Business Savings, Spark Cash for Business Card
  • Availability: CT,DC,DE,LA,MD,NJ,NY,TX,VA
  • Direct Deposit Requirement: None
  • Monthly Service Fee: $15 for Basic Checking, $35 for Unlimited Checking, $3 for Business Advantage Savings *All can be waived(see below)
  • Minimum Opening Deposits: $250 for Basic/Unlimited Checking and $250 for Business Advantage Savings
  • Other Requirements:
    • Sign up for a Business Checking account (either Basic or Unlimited Checking)
    • Sign up for a Business Advantage Savings account
    • Apply with a banker for the Spark Cash for Business card
    • When you have all 3 accounts open, they’ll deposit $50 into your checking account every month for 6 months.
    • A minimum balance of $5,000 in savings is required through October 31, 2016 to be eligible for the bonus
  • *Tips:
    • They will refund your monthly service fees on the checking account for 6 months.
    • The Business Advantage Savings account will earn 1.00% APY for 12 months.
    • The Spark Cash for Business card earns 2% cash back and has no annual fee.
  • Waiving Monthly Service Fees:
    • $15 Spark Business Basic Checking fee:
      • $2,000 minimum 30- or 90-day average balance, OR
      • Have an active business product in two or more of these categories: Spark Business Credit Card, Small Business Loan or
      • Line of Credit, or Merchant Services account (including Spark Pay)
    • $35 Spark Business Unlimited Checking fee:
      • Waived if your prior 30- or 90-day account balance averages $25,000 or more, OR
      • Have an active business product in two or more of these categories: Spark Business Credit Card, Small Business Loan or Line of Credit, Merchant Services account (including Spark Pay), or Spark ProDeposit.
    • $3 Business Advantage Savings fee:
      • Keep a $300 minimum balance.

Spark Business Basic Checking Details:

  • Free Business Debit Cards
  • Free Online Bill Pay
  • Free Online and Mobile Banking
  • Deposits from your smartphone
  • Transactions: 100 included monthly at no charge; $0.50 per transaction after that
  • Cash Deposits: $5,000 included monthly at no charge; $1 for every $1,000 deposited after that
  • Wires: For domestic wires, $15 per incoming wire and $25 per outgoing wire
  • Monthly Service Fee: $15 (can be waived as described above)

Spark Business Unlimited Checking Details:

  • Free Business Debit Cards
  • Free Online Bill Pay
  • Free Online and Mobile Banking
  • Deposits from your smartphone
  • Transactions: Unlimited
  • Cash Deposits: No fee for cash deposits
  • Wires: First five domestic wires included free each month
  • Monthly Service Fee: $35 (can be waived as described above)

Business Advantage Savings Details:

  • Free Online Banking
  • Free Mobile Banking
  • Deposits from your smartphone
  • Monthly Service Charge: $3 waived with $300 minimum balance
  • ATM Usage: Free Capital One ATMs, $2 at most non-Capital One ATMs, $5 at select ATMs
  • Wires: $10-25 domestic; $10-50 foreign
  • Overdraft Protection: Ability to link to your Business Checking account to reduce fees and protect your earnings
  • Account Withdrawals: 6 free withdrawals; $10 per additional withdrawal
  • Check current rates
Capital-One-Business-Advantage-Savings-Rates-032016
Business Advantage Savings Rates As Of 03/16/16

Capital One Business $300 + $250 Bonus

Capital-One-Business-300-Promotion-1 Capital One Business $300 Offer
Capital-One-Business-250-Promotion Capital One Business $250 Offer

The $250 and $300 promotions for new Capital One Business Checking accounts tend to change and pop up throughout the year, so check back here often for updates.

  • Promotion Link: Business Checking Promo
  • Expiration: currently unavailable *click link above to check
  • Bonus Amount: $250/$300
  • Account(s) Eligible: Spark Business Cash Back, Spark Business Interest, or Spark Business Unlimited
  • Availability: CT,DC,DE,LA,MD,NJ,NY,TX,VA
  • Hard/Soft Inquiry: Soft
  • Direct Deposit Requirement: None
  • Other Requirements: $5,000 or more deposit and make 1 Bill Pay within 30 days of account opening. Banker should enter promo code DIG. You must keep account open for 180 days.

Sign-up promotions for Capital One Business Checking and Savings accounts change often throughout the year so check back here for updates.