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Chase Business Complete Checking review

Integrate business banking with payment processing at competitive rates, plus get employee debit cards.

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Our verdict

Chase Business Complete Checking is a great option if you're looking to bank with a well-known brand and would love to integrate with Chase's payment processing service. Called Chase QuickAccept, it charges reasonable fees for processing credit or debit cards — and with free, same-day deposits to your account. This bank account also lets you request debit cards for your employees, and you can't beat getting paid $300 for signing up. However, there's a $15 monthly fee to watch out for that can only be avoided if you meet certain balance, deposit or spending requirements.

Best for: Businesses that need a payment processing service or employee access to funds.

  • $300 signup bonus
  • Unlimited free electronic transactions
  • Payment processing available with same-day deposits
  • Unlimited debit cards for employees
  • $15 monthly fee
  • $0.40 fee after 20 in-person transactions


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on Chase's secure site


$15 per month
(can be waived)

Minimum deposit to open



Chase Business Complete Checking

Learn more and sign up on Chase's secure site

Who is Chase Business Complete Banking best for?

Chase Business Complete Banking works best if you want a one-stop spot for banking and credit or debit card payment processing. Chase’s payment processing service charges similar fees to Square — 2.6% + $0.10 per transaction if you’re using the mobile card reader.

This account also works well if you want your employees to access the bank account. You can request a Chase Business Associate Card or Employee Deposit Card, which gives employees unlimited access to your account.

The account is also best for businesses who can meet any one of these requirements to avoid the $15 monthly fee:

  • Active military with proof of status
  • $2,000 daily balance minimum
  • $2,000 in purchases on a Chase Ink Business card
  • $2,000 in deposits from Chase QuickAccept or other Chase payment processing services
  • Link to Chase Private Client Checking account
  • Where it shines

    Chase Business Complete Banking offers key features like debit cards for employees, a unique overdraft protection system and payment processing that you won’t find with every business bank account out there.

    Signup bonus

    New Chase Business Complete Banking customers can get a $300 signup bonus for applying for the account online or at a branch. You have until Thursday, August 03, 2023 to take advantage of Chase’s promotion. To get the bonus:

    1. Select Apply now.
    2. Enter your email address to receive your $300 code.
    3. Select Open account online or Open account in branch. If you’re applying online your code will be automatically applied. If you’re applying at a branch, you can use your $300 emailed code at a branch.
    4. Open a Chase business checking account.
    5. Complete the following eligibility requirements:
      • Deposit 2,000 into your business checking account within 30 days of opening
      • Keep a $2,000 balance for 60 days
      • Complete five transactions within 90 days of opening the account. Transactions include: debit card purchases, Chase QuickDeposit, ACH deposits and wire transfers.

    Debit cards for employees available

    If you need employees to access your business account without adding them as joint account owners, Chase has you covered with Associate or Employee Deposit Cards. Request an unlimited number of cards, giving your entire team or just key people the access they need.

    • An Associate Card lets employees withdraw, deposit and make purchases. Accountholders — typically the business owner — can set spending limits between $100 to $1,000 for withdrawals and between $100 to $5,000 for spending.
    • An Employee Deposit Card only lets employees deposit money to your business account via a teller or ATM.

    Lenient overdrafts

    When you sign up for the account, you’re automatically enrolled in Chase Overdraft Assist, which helps you avoid its $34 overdraft fee as long as you keep overdrafts less than $50. If you accidentally overdraft by more than $50, you’ll want to deposit money to bring the account back up before the next business day.

    Payment processing

    Instead of having to cobble together payment processing and banking separately for your company, Chase offers both services in this account. You’ll pay the exact same fees as you would with Square to process credit or debit cards. Yet Chase goes above and beyond by letting payments hit your account the same day for free.

    You’d usually pay a 1.5% fee with Square for instant transfers, or you’d have to wait 36 hours for payments to show in your bank account.

    See the fees you can expect for processing credit or debit cards with Chase.

    Card transaction typePrice per transaction
    Tap, dip and swipe2.6% plus $0.10
    Manual entry3.5% plus $0.10

    Where it falls short

    This account’s main drawback is the number of bank fees and confusing fee structure it has. Make sure you have a clear understanding of all the fees you’re responsible for.

    For example, while electronic transactions are free, you’ll pay $0.40 per transaction if you make more than 20 transactions with a bank teller or with paper checks. Also, you’ll pay $15 for incoming wires unless the sending bank is Chase. Some banks like Axos don’t charge for incoming wires at all.

    Finally, you get a $15 monthly fee for this account, which you can’t waive unless you meet certain deposit or balance requirements. One way to avoid Chase’s fee is to keep a minimum daily balance of $2,000 in your account.

    Chase Business Complete Banking fees and access

    Type of feeFee details
    Monthly service$15

    Waivable if you meet any one of these requirements:

    • Active military with proof of status
    • $2,000 daily balance minimum
    • $2,000 in purchases on a Chase Ink Business card
    • $2,000 in deposits from Chase QuickAccept or other Chase payment processing services
    • Link to Chase Private Client Checking account
    Opening deposit$0
    Transaction fees for deposits/withdrawalsBanking with teller or using paper checks
    • $0 for first 20 transactions
    • $0.40 each for 21+ transactions

    Sending ACH transfers:

    • $25 for first 25 transfers
    • $0.15 for 26+ transfers
    • Additional 1% or $25 fee for same-day ACH, whichever is less
    ATMs$0 at Chase ATMs

    Out-of-network fees

    • $3 for ATMs in the US, Puerto Rico and the US Virgin Islands
    • $5 for withdrawals outside the above countries
    • $3 for money transfers or inquiries outside these countries
    Debit card feesReplacement cards
    • $0 for standard shipping
    • $5 for rush delivery

    Cash withdrawals at non-Chase banks

    • 3% of transaction or $5, whichever is greater
    Foreign transaction fee3%
    Overdraft or nonsufficient funds
    • $0 for overdrawing by $50 or less, returned checks or ACHs, or transaction declined
    • $34 for overdrawing your account above $50
    • $0 if you pay your account by the next business day after overdrawing
    Wire transfersIncoming wires — domestic and international
    • $15
    • $0 if the other person sends with a Chase banker or with Chase online or mobile banking

    Outgoing wires

    • Domestic: $35 with a banker, or $25 if you use online or mobile banking
    • International:
      • $50 with a banker
      • $40 for sending US dollars with online or mobile banking
      • $5 for sending foreign currency with online or mobile banking
    Other fees
    • $0 for cash deposits up to $5,000

    Compare Chase Business Complete Banking with other business checking accounts

    Narrow down your business account options by monthly fee, opening deposit or APY. Then, choose Compare to see up to four accounts side by side.

    Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
    Novo Business
    Finder Rating: 4.4 / 5: ★★★★★
    Novo Business
    $0 per month
    Enjoy free workflow integrations for your business, such as invoicing and budgeting. Get free ACH and payment processing, as well as unlimited ATM fee reimbursements. Pay $0 monthly fees with a $0 minimum balance requirement. FDIC insured.
    Bluevine Business Checking
    Finder Rating: 4.6 / 5: ★★★★★
    Bluevine Business Checking
    $0 per month
    2.00% on balances of $0 to $250,000
    No hidden fees: $0 monthly, overdraft, minimum deposit and transaction fees. Get 2 free checkbooks a year. Earn 2% interest on up to $250,000 after qualifying transactions. Organize your business finances with 5 sub-accounts with unique account numbers. Receive secure logins for each team member. Member FDIC.
    Finder Rating: 4.5 / 5: ★★★★★
    $0 per month
    Get unlimited fee-free transactions with $0 monthly fee and $0 minimum opening deposit with this all-in-one banking business account. Up to $5M in FDIC insured.
    Finder Rating: 4.2 / 5: ★★★★★
    $0 per month
    Easily track income, expenses and savings for your business all in one place. With $0 account fees, $0 overdraft fees and $0 minimum balances, Relay’s business checking account and money management platform offer an affordable online banking solution to get your business off the ground. FDIC insured.
    Finder Rating: 4.6 / 5: ★★★★★
    From $0 per month
    30 day free trial for Lili Pro, Lili Smart, and Lili Premium
    Designed for freelancers, Lili offers a suite of tools including invoicing software, expense reports, write-off tracker, and automated tax savings. Get paid up to two days early with direct deposit and no monthly fees. Lili Pro account holders get cashback rewards, 2.00% APY for savings. FDIC insured.

    What you need to open an account

    You’ll need to be a sole proprietor or single-member LLC or corporation to apply online. Otherwise, open in person at a local Chase branch.

    You’ll need some basic information about your business, though the exact formation documents may change based on your type of business.

    • Name and date of birth
    • Business address
    • Business formation documents
    • Social security or tax ID number
    • Driver’s license or state-issued ID

    Customer experience

    Chase holds an A rating with the Better Business Bureau, which rates businesses based on the number of complaints and overall business practices.

    On Trustpilot, Chase sees mostly negative reviews from customers. Complaints center around customer service not getting back to customers about issues or taking a long time to make actions for the account.

    Business-related reviews mention long holds on their money and unexpected holds for account monitoring, leaving business owners without access to funds. Happy customers say they’ve experienced helpful and knowledgeable bankers, some even calling customers by name.

    Keep in mind that Chase’s Trustpilot profile covers all of its banking products — not just its business products — and it’s common for large banks to see an influx of complaints. Your experience with Chase may vary based on the customer service in different locations.

    Government action

    Chase was involved in a government action in September 2020, due to employees attempting fraud when trading precious metals. The company was charged with unlawful trading in the precious metals and cash markets and attempted wire fraud. Employees of JPMorgan’s US Treasuries desk bought and intended to cancel the securities before finishing the trade, and they misled others involved in the trading about the market’s true supply.

    Checking account ratings

    ★★★★★ — Excellent

    ★★★★★ — Good

    ★★★★★ — Average

    ★★★★★ — Subpar

    ★★★★★ — Poor

    We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

    Read the full methodology of how we rate checking accounts.

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