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Published on: Business Resources

Spark Business Checking & Savings Is Discontinued

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We’ve updated this article below



  • No monthly transaction fees or limits
  • No monthly fees
  • No minimum balance required
  • No fees for Capital One or Allpoint®ATMs



  • Deposits available the next day
  • Link your digital SparkSM Business Savings account for overdraft protection
  • Free debit card
  • Snap a photo to deposit checks
  • Manage money on the go with the Spark Business mobile app
  • 40,000 fee-free ATMs nationwide
  • Free online bill pay
  • Free electronic invoicing



We’ve been using Spark Business Checking since we launched and it has been an enjoyable experience. Not only do they make depositing checks from clients a breeze, they also make it easy to send invoices right from the Spark mobile app. One thing that was a pain with other business checking accounts was the monthly “maintenance fee” that would constantly eat away at our capital while we were still in startup mode and not really generating a sustainable income. Spark Business Checking rids away that nuisance for startups by offering a business checking account with no, fees and no minimum balance.

Another great thing about spark business checking is that capital one offers a whole suite of services to compliment your business checking. For instance, they automatically give you a savings account when you sign up and they also have an online store that connects everything together.

However, I must say that my two favorite features of Spark Business Checking is that it makes your deposits available the next business day AND you can also aply for a business credit card right through capitalOne – for rainy days of course.

Before you go anywhere else, I would signup for Spark by CapitalOne and see why we love it.


If you updated spark business checking’s mobile app recently, you may have noticed a notice indicating that Capital One is discontinuing the app on December 20, 2017 and that users are now required to use their mobile browser to deposit checks.

It is unfortunate that Capital One decided to discontinue the app, but when you consider that they do not have a strong presence of branches around the nation, it is just plain insane from a business perspective.

Many users stated theirdisappointmentt on GooglePlay and App Store and made sure to let Capital One that they would be moving their money to another bank.

And yet, no public statement from CapitalOne on why they decided to shut down the app. It may be a sign of the health of CapitalOne in general.


UPDATE February 2, 2019:

It looks as if Spark business checking no longer syncs with accounting software other than Quickbooks. We first noticed this when trying to re-sync our spark checking account with our wave accounting software last year. Our accounting software displayed a message saying our bank or credit card is no longer supported. Another spark user contacted us this week to let us know that his checking account was no longer syncing with his Quicken software.


Shoot us a message and let us know what you’re experiencing and what Capital One told you


Read Spark Business Checking App Reviews on GooglePlay

Spark Business Checking App Reviews on the App Store

  1. News update: Capital One announced today they are discontinuing Bill Pay for the Spark accounts. And, they are still not offering new Spark business checking looks like they are turning their back on the business customers. Very sad news, as the product was wonderful ..was.

  2. I just logged in and much to my surprise, the check that I deposited earlier this week is no longer in my account. It appears that it is an error having to do with the mobile app being discontinued. Capital One needs to get their shit together. As a small business this is really bad for us, as a few of our accounts and employees are SOL because of this error. If I needed a personal only I’d probably go with Discover or Ally. I went with Capital One because I thought there would be better integration between personal and biz checking but there hasn’t been. I hope to see better integration and just one app would be nice.

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