Capital One needs to find ways to pay for this without actually charging you explicitly. So they will, and do, hold your deposited funds without allowing you to draw upon them (they call that “uncollected funds”) for a few days; even though they have your deposited money on hand, they will refuse to grant you access. This increases their average cash available to the bank at no expense to them. If you really don't care about that, could be a fine account for your business, maybe.
Bottom Line: Yes, I would recommend this to a friend