Capital One Business Basic Checking

Information about our services and fees

Account terms and charges

Monthly service fee

$15 Waive this monthly service fee by maintaining a $2,000

minimum 30-day or 90-day average monthly ledger account

balance—whichever is greater. If you have a Capital One Business

Enhanced Checking account, you are eligible for 2 Capital One

Business Basic Checking accounts with this monthly service fee

waived, regardless of balance. Fee can be waived for businesses

classied as nonprot for Basic Checking product.

Earns rewards

No This account does not earn rewards.

Pays interest

No This account does not earn interest.

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 $5,000 per month

with no fee. Aer that,

it’s $1 per $1,000.

In each statement cycle, you can deposit up to $5,000 in cash to

your Basic Checking account without incurring a cash deposit fee.

Aer that, you will be charged $1 per $1,000 you deposit. Basic

Checking customers can also deposit cash at select Allpoint® ATMs,

which do not count against monthly cash transactions and are not

subject to cash transaction fees.

ATM withdrawal charges

Capital One Bank,

MoneyPass

and

Allpoint

ATMs

Free There are no ATM fees when you use Capital One, MoneyPass

and

Allpoint

ATMs to withdraw cash.

ATMs outside of

Capital One ATM network

$2 per withdrawal Transactions made at ATMs other than Capital One, MoneyPass

and Allpoint

ATMs require an ATM fee, in addition to any fees the

ATM owner charges.

If you have any questions, please visit www.capitalone.com/small-business/bank/. If you wish to contact us, please visit www.capitalone.com/help-

center/contact-us/ . For the Funds Availability Policy, please review the Rules Governing Deposit Accounts at www.capitalone.com/bank/disclosures/

rules-governing/ . You can also contact us at 1-888-755-2172. For full set of fees, or for fees not listed above, please ask your Branch Ambassador or your

Banker. Complete disclosures and terms and conditions are provided at account opening. Cash deposits at select Allpoint® ATMs depend on your geographical

location. Find ATMs near you that accept cash deposits using Capital One’s Location Finder. Products and services oered by Capital One, N.A., Member FDIC.

Revised July 2024.

Capital One Business Basic Checking

Optional services and fees

Below are the charges that apply for these services, should you choose to use them.

Wire transfer services

Domestic incoming

and outgoing

$15 per incoming transfer

$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.

Miscellaneous

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.

Non-sucient Funds

(NSF)/Overdra (OD)/

Uncollected Funds (UNC)

$35 Fee triggered when transaction would bring account balance below

$0, either paid (OD) or unpaid (NSF).