Chase Business Checking: Plenty of Branches, Typical Brick-and-Mortar Fees

This digital-friendly Chase business checking account is ideal for small-business owners who want branch access.

Chase Business Complete Banking®

Overview

The bottom line:

Chase Business Complete Checking℠ stands out with a $500 sign-up bonus and access to Chase QuickAccept℠, which can be used to accept credit card payments on the go. But free in-person transactions are limited to just 20 per month, far less than what competitors allow.

Bank account details

Monthly fee

$15.00

Waived with $2,000 minimum balance

APY

N/A

Bonus

$500

Requirements to qualify

Pros & Cons

Pros

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No minimum opening deposit.

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Unlimited fee-free electronic and debit card transactions.

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Integrated credit card processing.

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No overdraft fee unless account is overdrawn by more than $50; 24-hour grace period applies to overdrafts beyond that amount.

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24/7 customer support.

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No fees at 15,400 Chase ATMs and access to around 4,900 branches.

Cons

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$15 monthly fee.

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Monthly limit on fee-free cash deposits ($5,000) and physical transactions (20).

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Fee for using out-of-network ATMs.

Bank account comparison

Compare to other bank accounts
4.6
NerdWallet rating
at Chase (Business), Member FDIC
4.9
NerdWallet rating
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at Relay, Deposits are FDIC Insured
5.0
NerdWallet rating
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at Bluevine, Deposits are FDIC Insured
Monthly fee
$15.00
Waived with $2,000 minimum balance
Monthly fee
$0
Monthly fee
$0
APY
N/A
APY
N/A
APY
1.30%
With $0 min. balance for APY
Bonus
$500
Requirements to qualify
Bonus
N/A
Bonus
$300
Requirements to qualify
Need more options? Check our picks for best business bank accounts of 2025
Chase offers three business checking accounts: Chase Business Complete Banking®, Chase Performance Business Checking® and Chase Platinum Business Checking℠.
This review and the corresponding star rating focus on Chase Business Complete Banking®, which caters most to small-business owners with unlimited electronic deposits and a focus on digital tools.
You can avoid the $15 monthly service fee if you hit any one of the following criteria during your monthly statement period:
  • Maintain a daily minimum balance of $2,000.
  • Spend a minimum of $2,000 on purchases using a Chase Ink Business Card.
  • Deposit at least $2,000 into your account from Chase QuickAccept transactions or other eligible Chase Payment Solutions transactions.
  • Link a Chase Private Client Checking account.
Military service members and veterans can also have the monthly fee waived with a valid military ID or proof of military service.

Chase Business Complete Banking® is best for small-business owners who:

  • Want a full-service business bank with business loans, business credit cards and merchant services.
  • Deposit $5,000 or less in cash each month; make 20 or fewer in-person transactions per month.
  • Can take advantage of integrated credit card processing services.
  • Can meet one of the criteria required to waive the monthly fee.
Want to avoid a monthly fee altogether? Consider U.S. Bank Business Essentials, which is a rare business account at a brick-and-mortar bank with no monthly fee.

Chase Business Complete Banking® at a glance

Monthly fee:
$15 (multiple ways to waive including maintaining a minimum daily balance of $2,000).
Minimum opening deposit requirement:
$0
APY:
None
Transactions:
Unlimited electronic deposits; 20 free teller and paper transactions per month.
Bonus:
Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.

How to open a Chase business checking account

You can open a Chase business checking account online if your business is a privately held sole proprietorship, corporation or LLC (with one member or manager). All other business entities must apply in person at a local branch. Chase operates more than 4,900 retail branches across 48 states.
While there is no minimum deposit required to open a Chase Business Complete Checking account, you must transfer money into your account within 60 days or the account will be closed.
After your account is funded and set up, you’ll be able to manage your business banking using Chase online, the Chase mobile app and by visiting Chase branches and ATMs.

What you need to open a Chase business account

  • Two forms of identification, including a government-issued photo ID.
  • Employer identification number (or Social Security number for single-member LLCs).
  • Business documents, including assumed name or DBA certificate, articles of organization or incorporation, partnership agreement and business license, depending on your entity type.
  • Business address and telephone number.
  • Date of birth, Social Security number and personal address for anyone with 10% or more ownership in the company.

Chase sign-up bonus

You can earn a $500 sign-up bonus if you deposit $2,000 or more within 30 days of opening your account, maintain that balance for 60 days and complete five qualifying transactions, including:
  • Debit card purchases.
  • Chase QuickAccept deposits.
  • Chase QuickDeposit.
  • ACH credits.
  • Credit and debit wires.
  • Chase Online Bill Pay.

💬 From our Nerds: What business owners think of Chase

"We look at lots of objective criteria to rate business accounts. But customer service is naturally subjective — two business owners can have wildly different experiences with the same bank. That’s why we watch for studies that try to quantify customer sentiment, like J.D. Power’s annual small-business banking satisfaction report.
"This survey isn’t perfect. For one, I wish its scope was wider than just big-name brick-and-mortars. Still, it’s an easy way to hear what close to 7,000 people think of their business banks, and they like Chase. It rates second overall, behind only Capital One."
Face, Happy, Head

— Ryan Lane, assigning editor covering small business

Where Chase Business Complete Banking® stands out

Unlimited electronic deposits: You have access to unlimited electronic deposits, which include deposited items, ACH transfers, ATM transactions, debit card purchases, internal transfers and Chase QuickDeposit (mobile deposit). This provides a high level of flexibility with online payments, similar to what you’ll find with many online-based business checking accounts.
Sign-up bonus: You can earn $500 when you sign up for Chase Business Complete Banking®, provided you deposit $2,000 within 30 days, maintain that balance for 60 days and complete five qualifying activities such as debit card purchases or mobile check deposits. As far as business bank account promotions go, this one is hard to beat.
Solid online tools with a big brick-and-mortar footprint: Chase has thousands of locations in 48 states plus Washington, D.C., meaning it’s unlikely you’ll ever be far from a branch or an ATM. If you want to be able to get in-person support, Chase is a great option.
And if you prefer digital banking, Chase’s mobile and online features are sophisticated. It offers online bill pay, fraud protection, text banking and account alerts. You can also set up multiple users on your account, download account activity to financial software and have access to collection and cash-flow services.
Integrated credit card processing: Among the Chase business checking accounts, Business Complete is the only one that lets you use Chase QuickAccept to accept credit card payments with the Chase mobile app. This integrated credit card processing service is pay-as-you-go and connects with a mobile card reader to tap, swipe or dip transactions.
Processed payments will be deposited into your checking account without the need for a separate app, allowing you to manage banking and sales transactions seamlessly. You’ll pay 2.6% plus 10 cents for tapped, dipped or swiped transactions and 3.5% plus 10 cents for keyed transactions.
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Where Chase Business Complete Banking® falls short

Monthly fee: Chase Business Complete Banking®’s $15 monthly fee is a hard pill to swallow. Consider a free business checking account if you can’t reliably maintain a $2,000 daily balance or hit one of the other criteria needed to waive the monthly fee.
As discussed above, U.S. Bank Business Essentials has no monthly fee, though it only offers up to $2,500 in free cash deposits. Most online business checking accounts have no monthly fee or transaction limits at all (although cash deposits may be more expensive or more limited.)
No ongoing rewards: Like many other business accounts from traditional brick-and-mortar banks, Chase doesn’t offer perks that put more money in your pocket beyond its welcome bonus. Those kinds of rewards are more a hallmark of online-only accounts.
If you’re not considering Chase because of its in-person access, you might find an online account whose ongoing benefits surpass Chase’s sign-up bonus. For instance, Bluevine Business Checking pays 1.3% APY on checking account balances up to $250,000.