Chase Business Complete Checking carries a $15/month fee that is waived with a $2,000 minimum daily balance, qualifying Chase Payment Solutions deposits, or eligible Chase Ink® card purchases. The account includes 20 free transactions per month for paper-based items (counter deposits, withdrawals, and paper checks); electronic transactions — ACH, debit card, ATM, and QuickDeposit remote capture — are always free and unlimited. LLCs, sole proprietorships, C-corps, and S-corps all qualify, with no minimum time in business or revenue requirement. Deposits are FDIC-insured up to $250,000 per depositor under the Federal Deposit Insurance Act. Available in all 50 U.S. states. Best suited for established small businesses with moderate paper transaction volumes, steady $2,000+ operating balances, and a need for multi-rail payment capability including Zelle, wires, RTP, Same-Day ACH, and FedNow.
Last verified: July 24, 2026 · Source
JPMorgan Chase Bank, National Association · FDIC Member · National Bank
| Monthly Fee | $15/month (waivable) |
| Fee Waiver | $2,000 min daily balance · $2,000 Chase Payment Solutions deposits · $2,000 Chase Ink® purchases · Linked Chase Private Client · Military Banking |
| Free Transactions | 20/month (paper-based; electronic always free) |
| Per-Transaction Fee | $0.5 over limit |
| Opening Deposit | $0 |
| Entity Types | LLC, Sole Proprietorship, C-Corp, S-Corp |
| Insurance | FDIC — up to $250,000/depositor |
| Availability | All 50 U.S. states |
| Daily Debit Limit | $10,000 |
| Cash Deposits | Free up to $5,000/period · 0.30% above · ATM always free |
| Check Writing | Yes |
| Remote Deposit | Yes — Chase QuickDeposit℠ |
| Multicurrency | Yes |
| Zelle® for Business | Yes — no Chase fee |
| Real-Time Payments (RTP) | Available (add-on) |
| Same-Day ACH | Available (add-on) |
| FedNow | Available (add-on) |
| Positive Pay | Yes — $0/month |
| ACH Debit Block | Yes — $0/month |
| Overdraft Protection | Yes |
| Corporate Card | Yes |
| Virtual Cards | No |
| Interest Bearing | No — balances do not earn interest |
| Outgoing Domestic Wire | $25 online / $35 branch |
| Outgoing International Wire | $40 USD online · $5 FX online ($0 if ≥$5,000) · $50 branch |
Waivable fees have qualifying conditions — see the FAQ for full terms.
$500 Bonus
Minimum deposit: $10,000
Deposit the minimum amount into your Chase Business Complete Checking account within 30 days of offer enrollment and maintain that balance for 60 days from offer enrollment. Complete 5 qualifying transactions* within 90 days of offer enrollment. Your bonus will be deposited within 15 days.
Offer expires: July 15, 2026
$400 Bonus
Minimum deposit: $2,000
Deposit the minimum amount into your Chase Business Complete Checking account within 30 days of offer enrollment and maintain that balance for 60 days from offer enrollment. Complete 5 qualifying transactions* within 90 days of offer enrollment. Your bonus will be deposited within 15 days.
Offer expires: July 15, 2026
A sole proprietorship or LLC service business — landscaping, cleaning, catering, bookkeeping — with 10–20 transactions per month and occasional cash deposits under the $5,000 free threshold is the core use case for this account. Chase's extensive branch and ATM network makes depositing business revenue straightforward, and the $15 monthly fee is easily waived by maintaining $2,000 in operating float — a balance level that a stable service business typically carries. The 20 free paper-based transactions per month align well with a business that writes a handful of vendor checks monthly and makes regular counter deposits, while electronic transactions (debit card, ACH) remain free without limit.
A small LLC or S-Corp in professional services — consulting, software contracting, import/export — that regularly sends or receives international wires benefits meaningfully from Chase's multicurrency support and competitive FX wire pricing. Online FX international wires cost $5 (and drop to $0 for transfers of $5,000 or more), compared to $50 at a branch. Real-Time Payments (RTP) and Same-Day ACH are available as add-ons for time-sensitive domestic payables, and FedNow provides real-time settlement capability. Fraud controls including Positive Pay, Check Monitoring, and ACH Debit Block are all $0/month — meaningful protection for businesses managing recurring international and domestic payment risk.
A C-Corp or LLC with physical retail locations — restaurant, bar, boutique, service counter — that deposits cash regularly and needs employee debit cards with granular spending controls is a strong fit. Cash deposits are free up to $5,000 per statement period via branch or night deposit, and completely free and unlimited at Chase ATMs — a critical cost advantage for cash-heavy operations. The Chase Business Associate Debit Card allows owners to issue employee cards with customizable daily spend limits (adjustable in $100 increments up to $5,000/day), while the Deposit-Only Employee Card lets staff make deposits without withdrawal access. These employee card tiers, combined with the $10,000 daily owner debit limit, support multi-location cash management without requiring additional software.
Chase Business Complete Checking is a full-featured transactional account built for small businesses that need both digital convenience and physical banking infrastructure. Backed by JPMorgan Chase Bank, National Association — an FDIC Member institution — deposits are protected up to $250,000 per depositor per ownership category under the Federal Deposit Insurance Act.
The account ships with Zelle® for Business at no additional Chase fee, enabling immediate transfers to vendors or contractors who use Zelle-enabled institutions. Wire transfer capability — both domestic and international — is built in, with the most competitive pricing through digital channels: outgoing domestic wires are $25 via chase.com or Chase Mobile (versus $35 at a branch), and outgoing international FX wires are $5 online (dropping to $0 for transfers of $5,000 or more). Real-time payment rails are available as optional add-ons: Real-Time Payments (RTP), Same-Day ACH, and FedNow — each priced at 1% or $25 per transaction, whichever is less. ACH Collections and ACH Payments are also available with volume-tiered pricing.
The $15 monthly fee has five independent waiver paths, notably including Chase Payment Solutions deposit volume and eligible Chase Ink® card purchases — meaning a business actively using Chase's payments ecosystem can often achieve a $0 effective monthly cost. The 20 free transactions per month apply to paper-based items only (counter deposits, withdrawals, and paper checks); all electronic transactions — ACH credits and debits, debit card purchases, ATM withdrawals, and QuickDeposit remote check capture — are permanently free with no limit. This distinction matters significantly for businesses with high digital payment volume but low paper transaction counts.
Chase includes three $0-monthly-fee fraud services: Positive Pay (upload issued-check data; Chase flags exceptions at payment), Check Monitoring (reverse positive pay for monitoring checks against your own issued records), and ACH Debit Block (block debits by Company ID). Combined with the Standard Overdraft Practice and Chase Overdraft Assist℠ — which waives the $34 overdraft fee if the account is brought to $50 or less overdrawn by the next business day — the account offers a comprehensive fraud and cash management control suite for businesses managing recurring payment risk.
Employee debit cards come in two tiers: the Associate Debit Card (deposits, withdrawals, and purchases up to $5,000/day, limits adjustable in $100 increments by the account owner) and the Deposit-Only Employee Card (deposits only, no withdrawal access). Both include Zero Liability Protection. Corporate card access is available separately. Cash deposits are free up to $5,000 per statement period via branch or night deposit, and completely free and unlimited at Chase ATMs. The daily debit limit is $10,000.
Yes. JPMorgan Chase Bank, National Association is an FDIC Member institution. Deposits in Chase Business Complete Checking are insured up to $250,000 per depositor per ownership category under the Federal Deposit Insurance Act.
The monthly fee is $15. It is waived during any statement period where you maintain a $2,000 minimum daily ending balance, generate $2,000 in eligible Chase Payment Solutions deposits, make $2,000 in eligible Chase Ink® or Sapphire Reserve for Business® card purchases, hold a linked Chase Private Client Checking℠ or JPMorgan Classic Checking account, or meet Chase Military Banking requirements. New accounts receive the first two monthly fees waived as a courtesy.
Yes. FedNow instant payments are available as an optional add-on service via Chase Business Online. See chase.com for current per-transaction pricing.
The account is available to LLCs, sole proprietorships, C-corporations, and S-corporations. There is no minimum time in business or annual revenue requirement.
The account includes 20 free transactions per month. This applies to paper-based items: counter deposits, counter withdrawals, and paper checks written on the account. Electronic transactions — ACH credits and debits, debit card purchases, ATM withdrawals, QuickDeposit remote check capture, and internal transfers — are always free with no monthly limit. Transactions above the 20-item threshold cost $0.50 each.
Yes. Real-Time Payments (RTP) are available as an optional add-on via Chase Business Online at 1% of the transaction amount or $25 per transaction, whichever is less. Same-Day ACH is also available on the same pricing structure.
Chase charges a $34 overdraft fee per transaction that overdraws the account by more than $50, with a maximum of 6 fees per business day ($204). Chase Overdraft Assist℠ waives the fee if the account balance is brought to $50 overdrawn or less by the end of the next business day. Optional Overdraft Protection links a Chase business savings account or line of credit as a backup funding source at no transfer fee (interest applies for LOC backup accounts).
Cash deposits via branch or night deposit are free up to $5,000 per statement period; amounts above the threshold incur a 0.30% fee on the excess (for example, a $5,100 deposit incurs $0.30 in fees on the $100 excess). Cash deposited at any Chase ATM is always free and unlimited, regardless of the statement period total.
No. Chase Business Complete Checking is a non-interest-bearing account. Balances held in the account do not earn interest or APY. Businesses seeking yield on idle operating cash should consider a separate business savings or money market account alongside the checking account.
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