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Spark Business Unlimited Checking account is eligible for up to two Spark Business Basic Checking accounts with no monthly cycle service fee assessed so long as the Spark Business Unlimited Checking account remains open and in good standing.
Spark Business Unlimited Checking is designed for businesses with cash deposit needs under $40,000 per month. If your business does not qualify, please talk to your banker about alternatives, such as Capital One's commercial services, that may better suit your business needs.
Have been trying to call their security line for over a week, I end up on hold for a long time, leave a voicemail, where they promise to call me back within 24 business hours, but never get a call back. Only good if you don't ever need customer service and don't have anything go wrong.
Really like Cap 360, dating back to when the banking was done through ING Direct (the predecessor parent company). The remote deposit is a huge win; you can take a photo of the front and back of a check and have it deposited through your web browser. My brick and mortar bank doesn't come close to ease of use.
The one less than positive aspect of the business is that you cannot have more than one checking account, even as a secondary account holder. My partner and I are joint owners on all of our financial assets and we aren't able to accomplish that with this specific (checking) account. It also makes it impossible to to use one account for personal and one for business. I know of no statutory limitation for the situation.
Still, all in all, there is a reason I have been a customer since 2002.…read more
Do not fall for this banks marketing messages and gimics. Although it is easy to--some of their initial mobile and internet apps and sites are easy to use compared to other banks. Fun, look good. No doubt appealing. And the sell the "no fees" around overdrafts and other service fees. I fell for it hook line and sinker, after frustrations with the big banks. It is the classic "IF IT SEEMS TOO GOOD TO BE TRUE' IT IS. TRUE! What they DON'T tell you is once you transition over--they are NO BETTER, WORSE! Sure "no fees" because how could you possibly over draw if your FUNDS ARE HELD WITHOUT PERMISSION OVER 10-12 DAYS! Just because you opened an "account online". What? THAT IS WHAT THEY SELL! Online only, online banking, use us, its easy, fast, no branch literally "blah blah blah". Unethical and Outright LIES to customers. Sure, all true. Until they get your deposits, and hold them, unecessarily because you opened an account online (Um--isn't that what you say is your differentiator?) and there is "fraud" so we hold all deposits. As in not available. Not a cent. Not one cent of flexiblity. Not matter the circumstances. I have three kids, deposited my HSA reimbursement from a huge national benefit provider. It was my money for the next week. Nope! Jokes on me! Sorry. Wouldn't give it up. Wouldn't reverse it. Wouldn't give me overdraft line of credit. Wouldn't increase my credit card line for the amount. They literally said "yea, well its in the 'fine print". What at .2 font? It was a total SCAM. They hold how many thousands of new account customers in their first 30 days, don't tell them, get the money, HOLD IT, and earn interest or invest. cents on the dollar over a large base--adds up! I literally had no money for 5 days. Thankfully I got my checks on day 6 (still holding my deposit, AND my transfers made from my other bank to move money over. Says 2.95 available balance, with 2750 current balance. For the past 10 days. Saying it will be 3-5 more. Again. "Sorry". HONESTLY DO NOT DO NOT DO NOT USE THIS BANK. Just stay with any other bank, USB, Wells, BOA--they are pure junk. A pure scam unethical NICE HOUSE NO FURNITURE bank. RUN don't WALK!…read more
I love my capitol one checking account. I don't have to have any minimum fee, i won't get charge any monthly fee. I never had a problem with them taking out any money secretly that i didn't know about. If i ever had a problem, i just call customer service and they provide a very little wait time. They are always professional and get my problems fixed. Leaving me to be one very happy customer.…read more
I love this checking account because it is online, and I can do everything through my cell phone without going to a bank. Capital One as a company overall has helped me to save money, build my credit, and have extra money left over. Any time I did have a problem their customer service was helpful and supportive. I have credit cards, a checking account, and a savings account through Capital One, and I am very satisfied with all three.…read more
I have had a capital one 360 online checking account for about 6 months now and I am very satisfied with it. The one thing I like is it has no fees unlike some other banks out there. They also don't charge you for overdrafts, instead they just charge interest on whatever amount you went over on. I think that's pretty fair. I can't complain about them at all.
I absolutely LOVE my Capital One account. It's so easy to use! I have 100% access to my money whenever I want. I have easy access from online right, right up to the ATM. I've had the account for years and never charged hidden or annual fees. There's no surprises, my money is safe and secure all thanks to Capital One!
I initially opened my Capital One checking account for bills only, I split my direct deposit from work between two accounts. I serviced the account entirely online, it was easy by comparison because the website was quite intuitive. When I couldn't find what I was looking for all I had to do was peruse the outer edges of my screen and usually my option was located. My real goal was achieved because with the quick bill pay service all my obligations were paid timely and without incident.…read more
I love this account. I get easy access to my money through the use of ATM's without all the hidden fees. Their customer service is great. When I needed to put a stop payment on a check that was lost through the mail, it was such an easy process without a hefty fee.
I love Capital One. The first time I went into my local Capital One the banker was friendly and eager to help us. He made the application process so simple and frustration free. My experience so far has been awesome. I love that they give you an option to not let any purchases go over your available balance. That's what sold me. After horrible experiences in the past with other banks, it was very relieving to know that was possible. I also love the easy mobile banking. I can be anywhere in the world, and I can check my account right then and there. And it's actually the current balance! No weird "pending" charges. Even when it's pending they still show the money was taken off. I have been with them for 2 years and would choose no other bank.…read more
In the event that in a given week, for this product, there were multiple applicable rates in our database based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.
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