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finder.com’s rating: 3.0 / 5.0
★★★★★
The new Chase Business Complete Banking account stands out for its smartphone card reader that processes payments and deposits sales into your Chase account on the same day for no extra fee. This is an unusual perk considering competitors charge a 1.5% fee for same-day deposits.
But you’ll have to buy the smartphone card reader separately and there’s a $15 monthly fee for those who don’t meet certain monthly balance or purchase requirements.
$15 per month
Fee
$0
Minimum deposit to open
APY | N/A |
---|---|
Fee | $15 per month |
To waive the fee | Or meet any one of these requirements each month: - $2,000 minimum daily balance - $2,000 in purchases on your Chase Ink Business Card - $2,000 in deposits from QuickAccept or other eligible transactions - Link a Chase Private Client Checking account |
Minimum deposit to open | $0 |
Intro or bonus offer | New customers are eligible to receive a $300 bonus offer as long as they meet certain balance and transaction requirements. |
ATMs | over 16,000 in-network ATMs |
ATM transaction fee | $0 |
Out-of-network ATM fee | $2.50 |
Review by
Cassidy Horton is a writer for Finder, specializing in banking and kids’ debit cards. She’s been featured on Legal Zoom, MSN, and Consolidated Credit and has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. When not writing, you can find her exploring the Pacific Northwest and watching endless reruns of The Office.
Instead of new business owners having to cobble together services they need to start their company — such as a card reader and a business checking account — they can find both of these services at Chase.
The new Chase Business Complete Banking is just that — a complete bank account with built-in card processing through Chase’s QuickAccept Mobile Card Reader. Sales hit your account the same day for free, which is another perk that makes this account stand out. Other accounts, such as Stripe, charge a 1.5% fee for instant transfers.
On the downside, the account has a $15 monthly fee. But you can avoid it when you meet certain deposit or relationship requirements each month.
If you regularly process payments on the go and want an all-in-one solution, Chase Business Complete Banking is a no brainer. But if you don’t need the QuickAccept service, a free business checking account may be a better fit.
Open a Chase Business Complete Banking account at a branch location or online using these steps:
You must meet this basic criteria to open an account:
You’ll need this information when opening a Chase Business Complete Banking account:
Card transaction type | Price per transaction |
---|---|
Tap, dip and swipe | 2.6% plus $0.10 |
Keyed entry | 3.5% plus $0.10 |
New Chase business checking account customers applying online or at a branch have until July 21, 2022, to take advantage of Chase’s promotion when they complete these steps:
Chase has over 16,000 in-network ATMs and more than 4,700 branches nationwide. You can use your debit card at any of these ATMs for free. If you use a non-network ATM, expect to pay $2.50 plus any operator fees.
The Chase Business Complete Banking account is a good choice for business owners who need to accept card payments on the go. But it has these drawbacks:
If you don’t accept in-person payments and just need a free business checking account, compare these top picks.
Use this table to see how the Chase Business Complete Banking account compares to other business checking options.
Here are all the ways you can access funds in your Chase Business Complete Banking account:
Chase used to have a Total Business Checking account, but it was discontinued. Chase currently has two additional business checking options:
★★★★★ — 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.