Chase
Chase Business Complete Banking
The default branch-bank business account, with card payments built in
Insurance: FDIC insured up to $250,000 (JPMorgan Chase Bank, N.A.)
Live Bonus
This account currently pays a $500 opening bonus: $300 standard, periodically raised to $500. See the full requirements.
Features
- ▸Unlimited electronic deposits, ACH, and Chase QuickDeposit at no charge
- ▸20 free paper/teller transactions per statement cycle, then $0.40 each
- ▸$5,000 in free cash deposits per cycle, then $2.50 per $1,000
- ▸QuickAccept built in: take card payments by phone with same-day deposits
- ▸4,700+ branches and 15,000+ ATMs nationwide
- ▸Multiple employee debit cards with spend controls
- ▸Strong pairing with Chase Ink business credit cards
Pros
- +Easiest fee waiver among the big branch banks, and Ink card spend counts
- +Recurring sign-up bonuses make opening one frequently worth it
- +QuickAccept card acceptance with same-day funding is built in, not bolted on
- +Full-service branch network for cash-heavy businesses
Cons
- −Pays no interest on balances
- −Only 20 free paper transactions per cycle, low for check-heavy businesses
- −$5,000 free cash deposit cap is modest for retail operations
- −Wire fees are high compared to fintech alternatives
Our Take
If your business touches cash or you want a banker you can sit across from, Chase is the strongest of the big-bank options. The $2,000 waiver bar is the lowest in its class and Ink card spend clears it without parking money. You give up yield entirely, so pair it with a high-yield account for reserves and treat Chase as the operating hub.
Best for: Businesses that want a branch bank with the easiest fee waiver and regular bonuses
Open at Chase →Last verified 2026-06-11
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