Capital One business checking: Basic vs Enhanced vs Premier
Capital One publishes its wire fees on the account page, which most big banks do not. That makes it easy to work out which of its three business checking accounts is cheapest for the way your company moves money.
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Most large US banks put wire pricing in a fee schedule PDF. Capital One prints it in a table on the business checking page, next to the monthly fees. That table answers the question most owners searching "Capital One business checking" have: which of the three tiers is cheapest for me.
Figures below were read on Capital One's page on 8 November 2026.
The three tiers
| Basic | Enhanced | Premier | |
|---|---|---|---|
| Monthly fee | $15 | $35 | $99 |
| Waived at a minimum balance of | $2,000 | $25,000 | $100,000 |
| Incoming domestic wire | $15 | $0 | $0* |
| Outgoing domestic wire | $25 | First 5 a month free, then $25 | First 10 a month free, then $10* |
| Incoming international wire | $15 | $15 | $0* |
| Outgoing international wire | $40 | $40 | First 4 a month free, then $35* |
| Teller cash deposits | $1 per $1,000 above $5,000 a month | No fee | $5 per deposit ticket |
| Treasury management | No | No | Yes |
*Only for wires processed through the Treasury Management Intellix platform. Wires sent or received through online banking, a branch, the call center or email are charged at standard pricing.
Cash deposits at Capital One branches and select Allpoint ATMs are free on every tier. Enhanced is meant for businesses depositing under $40,000 in cash a month; Capital One may move an account that goes over to a different product.
Working out your tier
Take a company with a $10,000 average balance that sends 6 domestic wires and receives 3 international wires a month.
- Basic: fee waived. 6 × $25 + 3 × $15 = $195 a month in wires.
- Enhanced: $35 fee, since the balance is under $25,000. 1 paid domestic wire at $25 plus 3 × $15 = $70, so $105 in total.
Enhanced wins by $90 a month for that company. Now switch the pattern to 1 domestic wire out and 4 international wires out a month, the shape of a company paying overseas contractors:
- Basic: $25 + 4 × $40 = $185.
- Enhanced: $35 fee + $0 + 4 × $40 = $195.
Basic wins, because Enhanced gives nothing back on international wires. Premier only changes the picture if you hold close to $100,000 or will pay $99 a month and run wires through Intellix.
What the wire fee leaves out
The $15 or $40 is Capital One's charge. An international wire can also lose money to intermediary banks along the route and to the exchange rate if it is converted. A client in Germany paying a $5,000 invoice may see their bank convert euros to dollars at its own rate before sending. Our guide to international wire transfer fees for US businesses breaks each cost down.
Receiving from abroad without a wire
For a US company with clients in Europe or the UK, the incoming international wire fee is avoidable. Rivet gives your company USD details on the free Starter plan and EUR and GBP details on Growth. A client in Germany pays your euro IBAN by SEPA, a UK client pays your GBP details by Faster Payments, and you convert when you choose, with FX from 0.50% shown before you confirm. When you need the dollars at Capital One, send them to your account there. Payouts to contractors abroad go out on local rails in 120+ countries.
Rivet does not take cash or checks and is not a bank; regulated partner institutions hold client funds. Keep Capital One for the branch side of the business. See ACH vs wire transfer and Accounts.
Paying into the United States: the local rail
| What | Detail |
|---|---|
| Local rail | ACH for batch payments; RTP and FedNow for instant transfers |
| Run by | Nacha for ACH; The Clearing House for RTP; the Federal Reserve for FedNow |
| Settlement | Same-day ACH within the business day, standard ACH the next; RTP and FedNow in seconds, 24/7, where both banks take part |
Source: Nacha: Same Day ACH. Checked when this guide was last updated; the scheme's own page has the current figures.
Questions people ask
How much is the Capital One business checking monthly fee?
Basic Checking is $15, Enhanced $35 and Premier $99 a month. Each is waived at a minimum balance: $2,000, $25,000 and $100,000.
How much does Capital One charge for international wires on business checking?
On Basic and Enhanced, $15 per incoming international wire and $40 per outgoing one. On Premier, through the Treasury Management Intellix platform, incoming international wires are free and the first 4 outgoing a month are free, then $35. Wires sent online, in branch, by phone or by email are charged at standard pricing.
Is Capital One Basic or Enhanced better?
Enhanced pays off if you send several domestic wires a month or keep $25,000 or more in the account. If your wires are international, Enhanced charges the same as Basic for them.
Does Capital One charge for cash deposits?
Not at Capital One branches or select Allpoint ATMs on any tier. Basic charges $1 per $1,000 on teller cash deposits above $5,000 a month, and Premier charges $5 per deposit ticket. Enhanced is meant for businesses depositing less than $40,000 in cash a month.
Sources
Rashidatou writes Rivet's guides to how money moves between countries: the payment rails, what each one costs, and the account details a company needs to get paid in another currency. Every figure in Rashidatou's articles is traced to the scheme rulebook, the regulator or the provider's published price list, and those sources are listed at the end.
More from Rashidatou K. →This article is general information, not legal, tax or financial advice. Rules and fees change; check the sources above and the provider’s current terms before you act on them.
- capital one business checking
- capital one business account
- business checking account
- international wire fees
- cash deposits
