Head-to-Head
Chase Business Complete Banking
Branch + ATM cash deposits, built-in invoicing & card acceptance; $15 fee waivable at $2,000 activity/balance
VS
North One Business Banking
$0 Standard checking + APY if you spend $500 on the debit card; envelopes + integrations; weak cash / no international wires
Monthly Fee
$15 per statement period
Standard: $0. Plus: $30/month or $300/year. Not balance-waivable. Unpaid Plus cycle → downgrade to Standard.
Checking APY
None (does not earn interest)
Standard: 2.50% (rate 2.47%) on first $250,000 ADB. Plus: 3.00% (rate 2.96%) on first $250,000 ADB. Above $250k: 0.00%.
Rating
7.8/10
8.2/10
Costs & Fees
| Metric | Chase Business Complete Banking | North One Business Banking |
|---|---|---|
| Monthly maintenance | $15 per statement period | Standard: $0. Plus: $30/month or $300/year. Not balance-waivable. Unpaid Plus cycle → downgrade to Standard. |
| Fee waiver | $0 if any one of: (1) $2,000 min daily ending balance each business day (excl. last business day); (2) $2,000 eligible QuickAccept/Payment Solutions deposits; (3) $2,000 eligible Ink/Sapphire Reserve for Business purchases in prior card cycle; (4) linked Chase Private Client/JPM Classic/PC Plus personal checking; (5) Chase Military Banking. First two monthly fees waived for new/converted accounts. | N/A on Plus — hard subscription. Standard already $0. |
| Transaction fees | 20 free teller deposits/withdrawals + paper checks per cycle; $0.50 each thereafter. ACH, wires, ATM, QuickDeposit, debit purchases, internal transfers: no per-item checking fee. | No excess-item fees on standard ACH, card, deposits. Flat subscription + listed item fees only. |
| Overdraft/NSF | $34 per paid overdraft item over $50 (max 6/day, $204). Overdraft Assist: no fee if EOD overdraft ≤ $50 or restored to ≤ $50 by 11 p.m. ET next business day. No fee on items ≤ $5. | $0 NSF/overdraft. Insufficient funds → declined/returned. No overdraft protection offered. |
| ATM fees | Chase ATM: $0. Non-Chase U.S./territories: $3. Non-Chase outside: $5. Network surcharge not rebated. | Allpoint: $0 North One fee. OON: $2.50 + operator surcharge. Rebates discretionary (request within 60 days). Standard: marketing 2 OON reimbursements/mo; Plus: up to 6. |
| Wire/ACH | Incoming domestic wire: $15 ($0 if Chase-originated). Outgoing domestic: $25 online / $35 branch. Incoming intl: $15 ($0 if Chase-originated). Outgoing intl: $40 online USD / $5–$0 online FX / $50 branch (+ FX spread). Standard ACH: no charge. Same-day ACH/RTP: 1% or $25 max. | Incoming domestic wire $0, unlimited count. Outgoing domestic $20 (Standard) / $15 (Plus). International wires rejected. Standard ACH in/out $0. |
Interest & Yields
| Metric | Chase Business Complete Banking | North One Business Banking |
|---|---|---|
| Checking APY | None (does not earn interest) | Standard: 2.50% (rate 2.47%) on first $250,000 ADB. Plus: 3.00% (rate 2.96%) on first $250,000 ADB. Above $250k: 0.00%. |
| Savings APY | Linked Business Total Savings: 0.01% APY (rate sheet 2026-09-02); monthly fee waived when linked | N/A — Envelopes are designations on same deposit balance, not separate savings APY |
| FDIC coverage | Standard FDIC $250,000 per depositor, per ownership category at JPMorgan Chase Bank, N.A. | Standard FDIC $250,000 per depositor per ownership category at The Bancorp Bank, N.A. |
Features & Access
| Metric | Chase Business Complete Banking | North One Business Banking |
|---|---|---|
| Branch/ATM network | ~5,000 branches (not AK/HI); 14,000+ Chase ATMs | No branches. Allpoint ~55,000+ (withdrawal $0). Cash deposit via Green Dot retailers (Walgreens, CVS, Walmart, 7-Eleven). No teller/night drop. |
| Mobile app | Chase Mobile ~4.8/5 iOS (~9.4M ratings) and ~4.8/5 Android (~2.1M ratings) as of Sept 2026 | North One - Business Banking iOS ~4.7 (~2.8k ratings); Android 3.9 (~1.85k reviews). Android login-failure complaints noted. |
| Virtual cards | Associate debit cards with spend limits; issuer-style virtual cards not disclosed | Included — team cards, freeze, permissions |
| Opening deposit | $0 | $0 marketing / $50 in reviews — confirm in app |
| Eligibility | Online: sole prop (one owner), single-member/manager LLC, single-officer private S/C-corp. Branch required: multi-member LLC, partnerships, nonprofits, corps owned by another business. | Sole prop, partnership, LP, LLP, LLC, corporation. Nonprofits explicitly excluded. Not for personal/household purposes. |
Pros & Cons
Chase Business Complete Banking
Pros
- Five documented $15-fee waiver paths plus first two months free for new accounts
- Unlimited no-fee cash deposits at 14,000+ Chase ATMs; ~5,000 branches
- Electronic items, debit purchases, QuickDeposit, and transfers don't count toward 20-item teller/check limit
- Built-in invoicing (Complete-only) and QuickAccept card acceptance with same-day funding, no monthly POS fee
- Linked Business Total Savings monthly fee waived; Overdraft Assist reduces $34 overdraft fees
Cons
- Checking pays no interest; linked Total Savings only 0.01% APY
- Branch/night-drop cash above $5,000 costs 0.30%; only 20 free teller/paper items then $0.50 each
- Wires costly — $15 in, $25–$35 domestic out, $40–$50 international plus FX spread
- No treasury sweeps or lockbox; multi-owner entities cannot open fully online
- Recurring third-party complaints about freezes, closures, and held merchant funds
North One Business Banking
Pros
- Standard $0 with no min-balance fee and $0 NSF/overdraft (declines instead)
- Checking APY 2.50% / 3.00% on first $250k if $500/mo debit spend — rare among $0 business checking
- Incoming domestic wires $0, unlimited count
- Unlimited Envelopes + QBO and processor connections on both plans
- Same-day ACH and mailed checks $0 on Plus; inbound RTP up to $1M per payment
Cons
- No international wires (rejected)
- Green Dot cash cap $5,000/month; retailer fees after 1–3 reimbursements
- APY 0% above $250k; no extended FDIC sweep
- APY requires $500 monthly card spend — not park-and-earn
- Plus hard $30/$300 subscription; BBB F and freeze/closure complaints; weaker Android ratings
Verdict
Chase Business Complete Banking
Chase Business Complete Banking is JPMorgan Chase's entry small-business checking — a non-interest flat-fee account at $15/month (waivable five ways). Strengths are the branch/ATM network, unlimited Chase ATM cash deposits, included invoicing and QuickAccept, and electronic activity that doesn't meter against the 20 teller/check allowance. Weaknesses are zero checking APY, 0.30% branch cash fees above $5,000, expensive wires, and no treasury features. Best for businesses already in or entering the Chase ecosystem who can meet waiver thresholds; poor for high-yield treasury or wire-heavy operations.
North One Business Banking
North One is a Bancorp-partnered fintech with Standard $0 and Plus $30/$300. Conditional APY 2.50%/3.00% on first $250k requires $500 monthly debit spend. Incoming wires free; outgoing $20/$15; intl wires rejected. Green Dot cash capped $5k/mo. Envelopes and processor rails are differentiators but envelopes are labels not sub-accounts. Hard fails: cash-heavy, intl, nonprofits, non-resident founders, treasury above $250k.