Chase
Chase Business Complete Banking
By Alex Compton · Last verified
Branch business checking with cash deposits and integrated card acceptance
Insurance: FDIC insured up to $250,000 (JPMorgan Chase Bank, N.A.)
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-10-23 | None | $15, waived each statement period with a $2,000 minimum daily ending balance, $2,000 eligible Chase for Business credit-card purchases, $2,000 eligible Chase QuickAccept or Chase Payment Solutions deposits, a qualifying linked Chase Private Client, JPMorgan Classic or Private Client Checking Plus account, or Chase Military Banking requirements | None | Chase business ACH payment pricing →Scoped review: corrected paid ACH Payment Services, separated in-branch cash allowance from ATM deposits, specified QuickAccept pricing and cutoff, clarified waiver accounts and removed unsupported blanket superlatives. Full-record verification date remains October 12. |
| 2026-10-12 | None | $15, waived with a $2,000 minimum daily ending balance, $2,000 in Chase for Business credit card purchases, $2,000 in Chase QuickAccept or other Chase Payment Solutions deposits, a linked Chase Private Client or J.P. Morgan checking account, or Chase Military Banking | None | Chase Business Complete Banking product page →Reconfirmed $15 fee, no opening deposit, 20 free banker transactions and $5,000 in-branch cash per cycle; waiver list now includes linked Private Client/J.P. Morgan checking and Chase Military Banking; no APY |
| 2026-06-11 | None | $15, waived with $2,000 minimum daily balance, $2,000 in Chase Ink card spend, or $2,000 in Chase Payment Solutions deposits | None | Archive record · no attached snapshotLegacy snapshot before event-level evidence attachments |
Primary-source verification log
Append-only evidence ledger- changed
Scoped Chase business-checking correction: paid ACH pricing, cash/ATM distinction, QuickAccept processing and availability, exact waiver labels and qualified editorial claims; full-record date preserved.
Fields: tagline, monthlyFee, features, atm, pros, cons, ourTake, bestFor, termHistory
Chase business ACH payment pricing → - confirmed
For LLC guide: corrected universal online-opening claim; multi-member and multi-manager LLCs directed to a branch. No account-wide verification date reset.
Chase ownership-specific application requirements → - changed
$15 fee and $2,000 waivers reconfirmed; waiver list expanded, ATM/branch counts and excess-fee wording updated to what Chase publishes
Fields: monthlyFee, atm, features
Chase Business Complete Banking product page →
Features
- ▸Chase QuickDeposit, online bill pay and wire-transfer services; terms and fees depend on the service
- ▸ACH Payment Services: first 10 standard payments monthly cost $2.50 each, then $0.15 each; same-day ACH costs 1% capped at $25
- ▸Up to 20 checks and banker deposits or withdrawals per statement cycle at no additional charge; fees may apply after that
- ▸$5,000 in-branch cash deposits per statement cycle at no additional charge; Chase ATM deposits have no additional charge separately
- ▸QuickAccept card processing: 2.6% plus $0.10 tap, dip or swipe; 3.5% plus $0.10 keyed or payment-link transactions
- ▸QuickAccept payments processed by 5 PM Pacific are eligible for same-day deposits without an extra funding fee; risk checks can delay availability
- ▸Branch service plus associate debit and employee deposit cards available upon request
Pros
- +Multiple monthly-fee waiver routes, including qualifying card spending
- +Branch access and a separate no-additional-charge ATM deposit option
- +QuickAccept combines card acceptance and eligible same-day deposits
Cons
- −Pays no interest
- −Standard business ACH payments carry per-payment fees
- −Branch cash and banker-transaction allowances can create additional costs
- −Same-day merchant deposits depend on cutoff and review requirements
Our Take
Consider Chase if branch access, cash deposits and integrated card acceptance fit your business. Check whether you can meet a monthly-fee waiver consistently, then add your likely ACH and payment-processing costs. An online account may cost less for a business that rarely needs in-person service.
Best for: Businesses needing branch access, cash deposits and integrated card acceptance
Open at Chase →Last verified 2026-10-12
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