Overview
Chase Business Complete Banking is the entry-level business checking account of JPMorgan Chase Bank, N.A., Member FDIC[1]. It carries a $15 monthly service fee, which is waived in any statement period in which the business keeps a $2,000 minimum daily ending balance, receives $2,000 in deposits through Chase QuickAccept or other Chase Payment Solutions, makes $2,000 in purchases on a Chase business credit card, links certain Chase private-client checking accounts, or meets military banking requirements[2]. There is no minimum opening deposit, although new customers must fund the account within 60 days[2].
The account includes up to 20 paper and teller transactions and $5,000 of in-branch cash deposits per statement cycle[1]. Its main feature is QuickAccept, which lets the account holder take card payments on a phone and receive same-day deposits[2]. Larger businesses can move to Performance Business Checking ($40 a month, 250 debits and $20,000 of cash deposits) or Platinum Business Checking ($95 a month, 500 debits and $25,000 of cash deposits), both of which include incoming wires and a number of free outgoing wires[1]. Chase does not publish QuickAccept processing rates on the product page[2].
Chase Business Complete Banking features
- POS app, reader and POS Terminal
- Same-day deposits to Chase accounts
- Payment gateway and virtual terminal
- Invoicing
- Payroll and analytics add-ons
- QuickAccept card acceptance with same-day deposits
- 20 free teller/paper transactions per cycle
- $5,000 free in-branch cash deposits
Chase Business Complete Banking pricing
2.6% + 10¢ in person; 2.9% + 25¢ online; 3.5% + 15¢ keyed/payment links. Same-day deposits free with Chase Business Complete Banking.
Chase Business Complete Banking strengths and limitations
Strengths
- Free same-day funding for Chase clients
- Published flat rates
- Banking and processing in one relationship
- Several straightforward fee waivers
- Integrated card acceptance
- Large branch network for cash
Limitations
- Funding benefit requires Chase banking
- Keyed rate 3.5% + 15¢
- Sign-up via an advisor
- $15 fee if no waiver condition is met
- Only 20 free teller/paper items
- Card processing rates not shown on product page
Appears in
- Best Business Bank Accounts in 2026 #6
- Best Merchant Services in 2026 #4
- Best Payment Processors for Small Business in 2026 #8
Chase Business Complete Banking alternatives and competitors
Alternatives to Chase Business Complete Banking: companies ranked in the same lists.
- Square
Clover- Toast
Stripe Atlas
Payment Depot
Helcim
Stax
SumUp
QuickBooks Live
Shopify Payments
Elavon
Global Payments
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