If you have any questions, call us at 1-888-755-BANK (2265) or visit us any time at capitalonebank.com.
For detailed account information or the Funds Availability Policy, please review the Rules Governing Deposit Accounts.
Revised 8 /2014
INFORMATION ABOUT OUR SERVICES AND FEES
KEY ACCOUNT TERMS AND CHARGES:
Monthly Service Fee: $19
Waive this monthly service fee by meeting one of these requirements:
• Maintain a $10,000 minimum 30- or 90-day average monthly ledger
account balance, whichever is greater.
• Your monthly service fee can also be waived if you maintain active, open
products in good standing in two or more of the following categories:
a) Small Business Loan or Line of Credit; b) Spark ProDeposit
SM
(only
available with Unlimited Checking); c) Merchant Services account
(including Spark Pay
SM
); d) Spark Business Credit Card. A Spark Pay
account is deemed active with $500 or more in transactions during the
calendar month, not including any voided, refunded or cash transaction(s).
A credit card is deemed active with a balance transfer, cash advance, or
purchase transaction during the calendar month. Limit one product-based
service charge waiver per customer Taxpayer Identification Number.
Minimum Deposit to
Open Account:
$250
This minimum deposit is required when you open your account.
Earns Rewards: No
This account does not earn rewards.
Pays Interest: Yes
This account earns a rate above the national average for an account
balance up to $100,000. A standard rate will apply to the portion of your
balance above that.
Online Banking and
Bill Pay:
Free
There is no charge for Online Banking or Bill Pay with this account.
ACCOUNT TRANSACTION FEES:
Cash Deposits: Up to $10,000
per month with no
fee. After that, it’s
$1 per $1,000
In each statement cycle, you can deposit up to $10,000 in cash to your
Interest Checking Account without incurring a cash deposit fee. For
amounts greater than $10,000, you will be charged $1 per $1,000 you
deposit.
Transactions: 300 per month free.
After that, it’s $0.50
per transaction
When you reach 300 transactions* within a statement cycle, each
additional transaction incurs a fee of $0.50.
* Transactions counting towards monthly thresholds include deposits (with
each item in a deposit counting as a separate transaction), check pay-
ments, ACH deposits and withdrawals, and most other debits and credits.
Payments made through Online Bill Pay do not count against monthly
thresholds, nor do debit card purchases or ATM withdrawals.
SPARK BUSINESS INTEREST CHECKING
®
SPARK BUSINESS INTEREST CHECKING
®
ATM CHARGES:
Capital One Bank ATMs: Free
There are no ATM fees when you use a Capital One Bank branded ATM to
complete any transaction.
ATM Fees: Up to $4.99 per
withdrawal
Certain ATMs owned and operated by Capital One Bank within gaming
establishments and other non-branch locations that have no Capital One
signage will require an ATM fee.
Domestic Non-Capital
One Bank ATMs:
$2.00 per
withdrawal
Transactions made at non-Capital One Bank ATMs in the U.S. require an
ATM fee, in addition to any fees the ATM owner charges.
International ATMs: $2.00 per
withdrawal
Transactions made at ATMs outside of the U.S., Puerto Rico, and the U.S.
Virgin Islands require an international ATM charge. This fee is in addition to
fees that may be charged by the ATM owner.
Overdraft: $35
Capital One may choose to pay a transaction (debit, ATM, check, ACH, etc.)
even though it takes your account balance below zero.
Non-Sufficient Funds
(NSF) or Funds
Not Available:
$35
Capital One may choose to decline a check or ACH transaction due to
insufficient or unavailable funds in your account. These transactions may be
subject to additional charges or penalties charged by the payee.
Overdraft Protection
Transfer Linked to
Checking or Savings:
Free
When there are insufficient or unavailable funds in your Spark Business Interest
Checking account and funds are available in a linked small business deposit
account with the same TIN, a single transfer will be initiated by Capital One
Bank at the end of the business day to cover all overdraft transactions. Requires
enrollment.
OVERDRAFT-RELATED CHARGES:
• Use online, mobile, and telephone banking to stay on top of your account.
• Set up low-balance and overdraft alerts to be notified by text, email or phone call (carrier fees may apply).
• Make a no-cost transfer between your Capital One Bank accounts either through Online Banking, at a Capital One Bank
ATM, or at your local branch.
• Make free transfers to your account from most other banks and brokerage firms.
WAYS TO AVOID OVERDRAFT CHARGES:
If you have any questions, call us at 1-888-755-BANK (2265) or visit us any time at capitalonebank.com.
For detailed account information or the Funds Availability Policy, please review the Rules Governing Deposit Accounts.
Revised 8 /2014
SPARK BUSINESS INTEREST CHECKING
®
If you have any questions, call us at 1-888-755-BANK (2265) or visit us any time at capitalonebank.com.
For detailed account information or the Funds Availability Policy, please review the Rules Governing Deposit Accounts.
Revised 8 /2014
When Your Deposits
Are Available:
(Funds Availability Policy)
Withdrawal and Deposit
Processing Order:
We will post items to your account using the following priority:
• Credits that increase your balance (like checks or cash deposits) received by the end of our
business day generally post to your account before everything else.
• Debits that decrease your balance (like ATM withdrawals and debit card transactions) will be
divided up into categories of similar types of transactions—and we’ll use the date and time
of your transactions to post to your account when we have them.
For more details, visit www.capitalone.com/CreditsandDebits
SAME BUSINESS DAY
• Electronic deposits received (i.e., Direct Deposit or wire transfer).
NEXT BUSINESS DAY
• Our general policy is to make your funds available for withdrawal on the first business day after the
day we receive your deposit.
• State and local government checks, Cashier’s, Certified or Teller’s Checks and Traveler’s Checks can
be drawn upon the next business day if they are payable to you, and you request that the teller use
a special deposit slip when processing your deposit.
SECOND BUSINESS DAY
• In some cases, we may delay your ability to withdraw funds on the FIRST business day. These
delayed funds will generally be available by the SECOND business day after the day of deposit;
however the first $200 will be available on the first business day.
LONGER DELAYS MAY APPLY
• Funds you deposit by check may be delayed for a longer period under certain circumstances.
We will notify you if we delay your availability to withdraw funds for any reason, and we will
tell you when funds will be available.
BUSINESS DAY AND CUT OFF TIMES (when deposits are considered received)
• A “business day” is every day except Saturdays, Sundays, and federal holidays.
• Deposits made at a branch after 2pm local time will be credited the next business day. Deposits
made at an ATM after 9pm ET/8pm CT will be credited the next business day.
For more details, visit www.capitalone.com/bank/deposit-accounts-rules
HOW DEPOSITS AND WITHDRAWALS WORK:
Stop Payment: $35 per item
A request by the customer to stop the payment on a specific check that
draws on his or her account.
Deposited Item
Return Fee:
$10 per item
For each item you deposit or cash that is returned unpaid. Example: You
deposit a check from someone who didn’t have enough money in their
account. The amount of the deposit will be subtracted from your balance
and you will be charged the Deposited Item Return Fee.
RELATED CHARGES:
SPARK BUSINESS INTEREST CHECKING
®
If you have any questions, call us at 1-888-755-BANK (2265) or visit us any time at capitalonebank.com.
For detailed account information or the Funds Availability Policy, please review the Rules Governing Deposit Accounts.
Revised 8 /2014
Domestic Incoming
and Outgoing:
First 2 wires per month
are free. $15 per
incoming and $25 per
outgoing transfer.
An incoming wire transfer is deposited into your account from another
U.S. bank account. An outgoing wire transfer takes funds from your account
and deposits them into another U.S. account.
Foreign Incoming
and Outgoing:
$15 per
incoming transfer
$40 per outgoing
transfer if in
foreign currency
$50 per outgoing
transfer if in
U.S. dollars
An incoming wire transfer is deposited into your account from a non-U.S.
bank account. An outgoing wire transfer takes funds from your account and
deposits them into a non-U.S. account.
WIRE TRANSFER SERVICES:
Orders for Checks
or Supplies:
Varies (based on
items ordered)
Capital One can provide business checks, deposit slips and other supplies
for a fee.
Cashier’s Check: $10 per check
Capital One can provide Cashier’s Checks that are guaranteed by the bank.
Document Copies: $5 per item
Capital One can provide paper copies of certain documents.
Account Research: $20 per hour
Capital One can research your account for you. There is a $10
minimum charge.
Collections (Domestic): $20 per item
Capital One can facilitate payment for a non-check item such as a draft that
is drawn on a U.S. bank.
Collections (Foreign): $35 per item
Capital One can facilitate payment for an item such as a draft that is drawn
on a non-U.S. bank.
Legal Process: $100 per order
Capital One can process garnishments, tax levies, or other court administrative
orders against an account, whether or not the funds are actually paid.
MISCELLANEOUS:
Statement Balancing: $20 per hour
Capital One can balance your account for you. There is a $10
minimum charge.
Snapshot Statement:
(without checks)
$5 per statement
Capital One can print a statement of your account transactions from the last
statement date through the mid-statement date you provide.
Statement Copy: $5 per statement
Capital One can provide additional copies of your statement to be picked up
at a branch, faxed or mailed.
Statement Copy from
Online Banking:
Free
You can download and print statement copies from the past 18 months
using Online Banking.
STATEMENT SERVICES:
OPTIONAL SERVICES
Below are the charges that apply for these services, should you choose to use them.
