Chase Business Complete Banking
Branch + ATM cash deposits, built-in invoicing & card acceptance; $15 fee waivable at $2,000 activity/balance
Costs & Fees
Monthly maintenance: $15 per statement period
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.
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.
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.
ATM fees: Chase ATM: $0. Non-Chase U.S./territories: $3. Non-Chase outside: $5. Network surcharge not rebated.
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.
Cash deposit: Branch/night-drop/verification: first $5,000/cycle free, then 0.30% of excess. Chase ATM cash deposits: unlimited, $0 Chase fee.
Interest & Yields
Checking APY: None (does not earn interest)
Savings APY: Linked Business Total Savings: 0.01% APY (rate sheet 2026-09-02); monthly fee waived when linked
FDIC coverage: Standard FDIC $250,000 per depositor, per ownership category at JPMorgan Chase Bank, N.A.
Access, Features & Tools
Access
Branch/ATM: ~5,000 branches (not AK/HI); 14,000+ Chase ATMs
Mobile app: Chase Mobile ~4.8/5 iOS (~9.4M ratings) and ~4.8/5 Android (~2.1M ratings) as of Sept 2026
Cash deposits: Chase ATM (unlimited, $0); branch teller/night drop (0.30% over $5,000/cycle); mobile QuickDeposit
Features
Invoicing/bill pay: Included — digital invoicing exclusive to Complete Banking (email/text); Online Bill Pay included
Virtual cards: Associate debit cards with spend limits; issuer-style virtual cards not disclosed
International: USD account only; FX via international wires (fee + spread) or 3% card FX markup
Integrations
- ✓ QuickBooks bank feed (Third-Party App Access)
- ✓ External account linking (10,000+ FIs cited)
Limits & Requirements
Opening deposit: $0
Minimum balance: No published close-out minimum; $2,000 daily balance is fee-waiver only
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.
Best for: Strong branch network Monthly fee waivable Cash deposits at Chase ATMs Built-in invoicing & card acceptance QuickBooks integration Chase/Ink ecosystem
Pros & Cons
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
Strong Pick (brick-and-mortar & Chase-stack businesses)
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.