All our services are free to use for all companies. No hidden fees or minimums.

We monetize our banking products, not our fundraising tools. We make revenue on 1) customer deposits and 2) debit interchange.

Capital has an aggressive 4% interest rate on deposits, but this still allows us to capture a small share of the interest as revenue.

We also make money on “debit interchange,” a small amount that card networks receive from every transaction. We then collect a portion of that, but no fee is ever charged to the customer.

Yes, each Capital business checking account is secured up to the standard $250K by the FDIC. To learn more, view our deposit agreement.

You can find your bank account information, balance, and transaction history on the Balance tab.

Capital currently supports all founders with US C-Corp business addresses.

Capital does not fully support international banks. International investors may send funds via USDC or through a US bank account.

Based on interbanking processing time, wires can take up to 2 business days to process and ACH can take up to 5 business days.

We don’t support physical checks at the moment. Please reach out to support@capital.xyz to send us feedback.