{"account":{"slug":"capital-one-business-checking","bank":"Capital One","name":"Business Checking (Basic / Enhanced / Premier)"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.capitalone.com/small-business/bank/products/checking/","history":[{"date":"2026-06-11","apy":"None","monthlyFee":"$15 Basic / $35 Enhanced; waivable","minimumOpen":"None","note":"Legacy snapshot omitted Premier Checking and treated the opening minimum as zero without public evidence"},{"date":"2026-09-04","apy":"No APY advertised","monthlyFee":"$15 Basic / $35 Enhanced / $99 Premier; waivable at $2,000 / $25,000 / $100,000 average balances","minimumOpen":"Not disclosed on the public product pages","atm":"Fee-free at 70,000+ Capital One, MoneyPass, and Allpoint ATMs","note":"Added Premier; reconfirmed digital transactions, cash deposits, ATM access, overdraft protection, wire pricing, and geographic limits","sourceUrl":"https://www.capitalone.com/small-business/bank/products/checking/","sourceLabel":"Capital One business checking comparison and product terms"},{"date":"2026-10-23","apy":"None","monthlyFee":"$15 Basic, $35 Enhanced or $99 Premier; qualifying average balances can waive the monthly fee","minimumOpen":"No opening-deposit minimum established by the reviewed product pages and fee sheets; confirm before applying","atm":"Capital One advertises 70,000+ fee-free Capital One, MoneyPass and Allpoint ATMs. Outside those networks, the business fee sheets list $2 per withdrawal plus any operator charge. Cash deposits are supported only at eligible deposit-taking locations, not every withdrawal ATM.","note":"Reverified all three tiers against linked fee sheets. Corrected broad no-overdraft-fee claim, Intellix-only Premier wire bundle and USD international allowance. Added ledger-versus-collected balance distinction, cash-channel charges, Enhanced cash profile and Premier banker-only opening. No public cash bonus or opening minimum inferred.","sourceUrl":"https://www.capitalone.com/small-business/bank/products/checking/","sourceLabel":"Capital One current comparison and three linked fee schedules"}],"verificationEvents":[{"id":"0d0b21e3-a617-4f40-987b-d3679b613dc1","entityType":"bank-account","slug":"capital-one-business-checking","checkedAt":"2026-10-23T14:54:54.164Z","recordedAt":"2026-10-23T14:54:54.165Z","sourceUrl":"https://www.capitalone.com/small-business/bank/products/checking/","sourceLabel":"Capital One current business comparison and linked fee sheets","outcome":"changed","summary":"Reverified Basic, Enhanced and Premier; corrected $35 overdraft/NSF charges, Premier Intellix-only wire pricing and USD allowance, cash-deposit channels and Enhanced cash profile, ledger-versus-collected waivers and Premier banker-only opening. Public opening minimum and cash bonus remain unverified.","changedFields":["tagline","monthlyFee","minimumOpen","fdic","plans","features","atm","pros","cons","ourTake","bestFor","termHistory","lastVerified","comparePlans","sections","editorialReview"],"facts":{"monthlyFees":[15,35,99],"waiverBalances":[2000,25000,100000],"overdraftOrNsfFee":35,"outOfNetworkAtmFee":2,"premierWireBundleRequiresIntellix":true,"openingMinimumVerified":false,"publicCashBonusVerified":false},"previousHash":"f1770d7aa5efdfea980c75f9a5b6ac2641fcf5caf131c267fe1312c3dc610a1a","recordHash":"7ce44b226c32c75a7fa24d474a3b0bcd9a675beb86e29a47df2ae997e01738cd"},{"id":"54ccdeb3-4a3b-426b-a973-8b2248144e81","entityType":"bank-account","slug":"capital-one-business-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:58:53.767Z","sourceUrl":"https://www.capitalone.com/small-business/bank/products/checking/","sourceLabel":"Capital One business checking comparison and product terms","outcome":"changed","summary":"Added Premier Checking and corrected digital transaction, cash deposit, overdraft protection, wire, and opening-deposit disclosures","changedFields":["accountName","monthlyFee","minimumOpen","plans","features","cons","ourTake","termHistory","lastVerified"],"facts":{"monthlyFees":"$15 / $35 / $99","waiverBalances":"$2,000 / $25,000 / $100,000","minimumOpen":"not publicly disclosed"},"previousHash":"c6b19ccdcca17c04eb500b28562df3af6757c3aecc72ffaaad5a2f6c923741ac","recordHash":"45ef3baf1023b0fc006bec1d1303a5e2669c02267753c4672ed17395a3e14608"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}