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Capital One Bank

Capital One Business Checking Promotion with a $300 Bonus - Branch Only


Capital One continues to offer a nice bonus for new business checking accounts. The bonus amount is $300, and the promotion is scheduled to last until 8/31/2013. It requires a branch visit (see below for branch locations). When I last reported on this promotion in January, it had an April end date. So I wouldn’t be surprised if the expiration date gets extended again.

Here are the steps to earn the $300 bonus:

  • Go to the Capital One promo page, print the coupon and take the coupon to a Capital One branch
  • Open a Capital One Business Checking account
  • Deposit at least $3,000 within 30 days of account opening and make one online payment.

Below is the offer’s small print. Note, it’s only available to new bank customers.

The promotion begins at 12:01 a.m. Eastern Daylight Time (EDT) on 1/1/2013 and ends at 11:59 p.m. on 8/31/2013. The promotion is available to new bank customers only. To qualify, you must open a Capital One business checking account during the promotion period. Within 30 days of account opening, deposit at least $3,000 into your new business checking account. At least 1 online bill payment must post to your account before end of promotion. You will receive the $300 credit approximately 10-12 weeks after the end of the promotion. Account must be open and in good standing to receive the credit. This offer cannot be combined with any other Capital One Bank new account opening offer and is strictly non-transferable. Limit one offer per customer.

This Capital One page shows the features and fees of the business checking accounts. All have potential monthly fees. The Spark Business Cashback Checking has a $15 monthly service charge that can be waived with a $2,000 minimum balance.

You can see what’s required to open a business checking account in this Capital One page. This shows you the documents that you’ll need to bring to a branch. It varies based on the business type and based on the state. For example, if you have a sole proprietorship in Texas, you’ll just need to bring an “Assumed Name Certificate”.


As I mentioned above, this promo requires that you print the coupon and take it to a local branch. Capital One branches are located in parts of Texas, Louisiana, New York, New Jersey, Connecticut, Maryland, Virginia and Washington, DC.

Other Capital One Deals

Capital One used to offer a good personal checking account deal at its branches. It had guaranteed 1% APY for the first 12 months. That guaranteed rate has fallen to 0.50%.

If you don’t live near a Capital One branch, you can open a personal and business accounts online through Capital One 360 (what used to be ING DIRECT). Capital One 360 continues to offer a $50 bonus for opening its 360 checking account.

Capital One Bank Overview

Most of Capital One deposits at branches and at Capital One 360 are held under Capital One, N.A. (FDIC Cert. # 4297). Deposits at the old Capital One Direct were mostly held by Capital One’s other bank charter, Capital One Bank (USA), N.A. (FDIC Cert. # 33954). Capital One, N.A. has $243 billion in assets. It has an overall health score at DepositAccounts.com of 5 stars (out of 5) with a Texas ratio of 6.77% (excellent) based on March 2013 data. Please refer to our financial overview of Capital One, N.A. for more details.

Other Bank Bonuses

You can view my latest bank bonus blog posts in this bank bonus page. I and DepositAccounts.com readers often post on bonuses in the checking account deals forum.

Related Pages: checking account, Capital One Bank

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