Available nationwide, you can earn a 3-month promotional interest rate up to 3.60% with the Capital One Business Savings account.
Update 12/26/24: The rate has decreased to 3.60% from 4.00%.
Editor’s Note: We recommend you checking out the Live Oak Business Savings account earning a highly competitive rate with no restrictions on the duration in which you can earn the rate.
Balance Tiers | Promotional APY |
Up to $9,999.99 | 0.25% |
$10,000 to $10 million | 3.60% |
Above $10 million | 0.10% |
Capital One Business Savings Rate
- Learn More at Capital One
- Account Type: Business Savings
- Interest Rate: 3-month promotional interest rate up to 3.60%
- Availability: Nationwide
- Minimum Balance: $10K
- Maximum Balance: $5M
- Credit Inquiry: Unknown
- Opening Deposit: Any
- Monthly Fee: $3 waived with $300 minimum balance
- Early Termination Fee: None listed
(Member FDIC)
Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
U.S. Bank Business Checking ( $500 or $900 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
Axos Business Premium Savings ($375 Bonus) |
Capital One Business Savings ACH Capabilities & Limits
ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
Push | ? | ? | ? | ? |
Pull | ? | ? | ? | ? |
Editor’s Note: Help us with the table above in the comment section if you have experience with their ACH capabilities.
Why You Should Sign Up For This Account
- Grow Your Money. Get more from the funds you don’t need day-to-day.
- Withdrawals. Make up to 6 free account withdrawals per monthly statement cycle.
- FDIC-insured. Balances in your Business Advantage Savings account are fully insured up to the FDIC’s allowable limits.
- Overdraft Coverage. Link your business checking account to reduce fees and protect your earnings.
- Reduced Costs. Maintain a minimum balance of just $300 and we’ll waive our $3 monthly service fee.
How To Waive Monthly Fee
There is a $3 monthly service fee waived when you maintain a minimum balance of just $300.
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Bottom Line
Decent rate for a business savings account, however, the month duration to earn the rate then it expires is off putting. See our list of the best business bank rates for better options.
For more bank offers, see the complete list of Best Bank Rates!
If you are interested in a new bank promotion, take a look at our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
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