Last Updated: 09/03/2025
SuperMoney User Recommendation Score +33
Mostly recommended9 total votes
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Highlights
Community Rating
Mostly recommended
Monthly Service Fee
$0 - $15(Verified 07/08/2025)
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ATM Fee: Out-of-Network (within the U.S.)
$3
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Minimum Average Balance to Avoid Monthly Service Fee
Starting at $2,000
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APY (Annual Percentage Yield)
0%(Verified 07/08/2025)
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Number of Reviews
Chase Business Complete Banking Review
Chase Business Complete Banking is offered by Chase Bank, a bank founded in 1877 and based in New York, NY. Chase Business Checking is available in 41 states and Washington, DC.
Key Takeaways
- Multiple ways to connect with Chase.Waivable service fee. Multiple ways to waive the $15 Monthly Service Fee, like keeping a $2,000 minimum daily balance or making at least $2,000 in purchases per month with your Chase Ink® Business credit card. Get personal attention paired with a large-scale presence, including more than 4,900 local branches and 15,400 ATMs. Plus, bank on your phone with the Chase Mobile® app.
- Waivable service fee. Multiple ways to waive the $15 Monthly Service Fee, like keeping a $2,000 minimum daily balance or making at least $2,000 in purchases per month with your Chase Ink® Business credit card.
- Earn $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- 0% APY. As with most checking accounts, Chase Business Complete Banking does not pay interest.
- Charges a monthly fee. This account charges a monthly fee of up to $15, but the fee may be waived if you keep a minimum balance of$2,000.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Chase Bank mobile or online banking.
Chase Business Complete Banking Pros & Cons
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Chase Business Complete Banking FAQ
Are business checking accounts from Chase Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #628). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Chase Business Complete Banking offer?
Chase Business Complete Banking is not an interest-bearing account.
What are the account minimums for Chase Business Complete Banking?
Chase Business Complete Banking does not require a minimum initial deposit.
| Description | Amount |
| Minimum Initial Deposit | $0 |
| Minimum Balance to Avoid Monthly Fee | $2,000 |
What fees does Chase Business Complete Banking charge?
This account charges a monthly maintenance fee of up to $15.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $15 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $34 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $34 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Chase Business Complete Banking offer?
This account includes the following features:
- Earn $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Fraud monitoring - Chase Business Complete Banking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Chase Business Complete Banking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Chase Business Complete Banking Disclosure: Checking offer is not available to existing businesses with Chase business checking accounts, local, state or Federal Government entities or agencies, Not for Profit organizations, Political Action Committees, or those with campaign or other political accounts, or whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years from account opening. Signers can receive one new business checking account opening-related offer every two years from the last offer enrollment date. Only one offer per account.
To receive the business checking offer:
Open: Visit a branch or chase.com/business and open a new Chase Business Complete Checking® account. To open a Chase Performance Business Checking® (or Chase Performance Business Checking® with Interest) account or Chase Platinum Business CheckingSM account, please visit a branch. Accounts are subject to approval.
Fund: Deposit a total of $2,000 or more in new money into your new qualifying checking account within 30 days from offer enrollment. The new money cannot be existing deposits at Chase or its affiliates. Your new money deposit amount will be determined in the following manner at 30 days from offer enrollment.
Maintain: Maintain at least a $2,000 balance for 60 days from the offer enrollment. The new money cannot be funds held by your business at Chase or its affiliates.
Complete: Complete 5 qualifying transactions within 90 days of offer enrollment. Qualifying transactions are: debit card purchases, accepting credit and debit card payments with QuickAccept®, Chase QuickDeposit℠, ACH (Credits), wires (Credits and Debits), Chase Online℠ Bill Pay. The following are not considered qualifying transactions: ACH (Debits), Person to Person payments such as Zelle® and online transfers to Chase credit card(s). QuickAccept is not available to all businesses. After you have completed all the above checking requirements, we'll deposit the offer amount in your new account within 15 days. To receive this offer, the enrolled account must not be closed or restricted at the time of payout. Offer is good for one-time use. Employees of JPMorgan Chase Bank, N.A. and our affiliates are not eligible. Chase reserves the right to withdraw this offer at any time without notice. Offers are considered interest and may be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +33, or 3.7 on a 5-point rating scale.
+33
-1000+100
No one recommends
Everyone recommends
Chase Business Complete Banking Community Reviews
Would you recommend Chase Business Complete Banking to your friends?
Katherine A.
Dec 16, 2023
May or may not recommend
Chase business accounts are an easy way to avoid paying taxes. To simplify it, you create a business account and filter money through it. When you purchase something through the business account, you can write it off as a business purchase, as businesses can have non-taxable purchases.
JC
Julia C.
Mar 14, 2023
May or may not recommend
Would recommend chase business checking accounts to small or large merchants
MO
Matthew O.
Feb 6, 2023
May or may not recommend
They offer great service across all 50 states, I was excited about that but when I checked the fees I couldn't continue with the bank. Would have made a very great business checking if they can cut down on their numerous charges
CB
Christina B.
Mar 7, 2022
May or may not recommend
chase provides nationwide atm access when you travel through all 50 states for work or holiday travel.
JO
Jomiloju O.
Jan 10, 2022
May or may not recommend
I would have given this business checking account a 100% rating. But, when I realized the number of charges I incur on every wire transfer, I had a rethink. Please, work on that!
OA
Omolola A.
Jan 5, 2022
May or may not recommend
If you don’t care about monthly charges, then you can go for this account. I sign up for this account because it is a product of Chase bank. But, if I'm aware that I must have a whopping sum of $2000 before I could avoid a ridiculous $15 monthly service fee, I wouldn’t have signed up for this account. Not only that, I was charged beyond normal on every wire ...Show More
KR
Kye R.
Nov 10, 2021
May or may not recommend
Chase is a really reliable company and took my worries away when it came to my small business. The big benefit from this company is their responsiveness when I have a question or concern. Their customer service team is amazing and takes care of everything quickly. There are a few fees attached to be aware of, but I felt like my overall experience was a great one!
WM
William M.
Jul 20, 2021
May or may not recommend
I wouldn't recommend this for the reason that the Minimum Balance to Avoid Monthly Fee is $2,000. This means you always need a sizeable balance to avoid the $0-$15 monthly service fee that month. There are other Business accounts that don't have this drawback. Maybe this would be okay if they paid interest but they don't on this account.
NV
Neha V.
Jul 18, 2021
May or may not recommend
I have account this chase for years and never faced any problem . They are always just a call away and when they have 0 APY and minimal annual fee , it would definitely recommend this
Showing 9 of 9 reviews