Capital One Business $500 Business Savings Bonus (36.5% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Eligibility
Basic Business Checking, promo SBOFFER500 (enter during online application). Deposit $5,000 from an external source within 30 days, maintain $5,000 for at least 60 of the first 90 days, plus 10 qualifying electronic transactions within 90 days. New customers only — ineligible if a signer on a Capital One Business checking opened after Jan 1, 2025; one account per business. Online applications only (in-branch ineligible). $15/mo Basic fee waived with $2,000 min balance (so waived while holding the $5k); Enhanced tier $35/mo waived at $25k. Bonus posts 60–90 days after requirements met.
Fees
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