# Chase Business Complete Checking — JPMorgan Chase Bank, National Association

**Monthly Fee:** $15/month (waivable)
**Fee Waiver Conditions:** $2,000 minimum daily ending balance · $2,000 in eligible Chase Payment Solutions deposits · $2,000 in eligible Chase Ink® or Sapphire Reserve for Business® card purchases · Linked Chase Private Client Checking℠ or JPMorgan Classic Checking · Chase Military Banking requirements · First two months waived for new accounts
**Free Transactions:** 20/month (paper-based: counter deposits, withdrawals, paper checks); electronic transactions (ACH, debit card, ATM, QuickDeposit) always free and unlimited
**Per-Transaction Fee (over limit):** $0.50
**Minimum Opening Deposit:** $0
**Entity Types Accepted:** LLC, Sole Proprietorship, C-Corp, S-Corp
**FDIC Insured:** Yes — up to $250,000 per depositor per ownership category (Federal Deposit Insurance Act)
**Availability:** All 50 U.S. states
**Interest Bearing:** No
**Daily Debit Limit:** $10,000
**Apply:** https://bancadia.com/go/jpmorgan-chase-bank/business-complete-checking
**Verification Source:** https://www.chase.com/business/banking/checking/business-complete-banking

---

## Key Features

### Payment Rails
- Real-Time Payments (RTP): optional add-on via Chase Business Online; 1% of transaction amount or $25 per transaction, whichever is less
- Same-Day ACH: optional add-on via Chase Business Online; 1% of transaction amount or $25 per transaction, whichever is less
- FedNow instant payments: optional add-on; see chase.com for current pricing
- Zelle® for Business: included via Chase Business Online and Chase Mobile; no Chase fee to send or receive
- Wire transfers: outgoing domestic $25 online/$35 branch; outgoing international USD $40 online/$50 branch; FX $5 online ($0 if $5,000+); incoming domestic/international $15 ($0 if sent via Chase banker or chase.com/Chase Mobile)
- ACH Payments: optional add-on; $2.50 per item for first 10 items/month, $0.15 per item above 10, $2.50 return fee
- ACH Collections: optional add-on; $25 for first 25 items/month, $0.25 per item above 25, $2.50 return fee

### Online Banking
- Chase Business Online and Chase Mobile® Banking: account management, transfers, bill pay, digital invoice creation and sending
- Chase QuickDeposit℠ remote check capture: free per-transaction; optional single-feed scanner $25/month or multiple-feed scanner $50/month

### Fraud Protection
- Check Protection Services (Positive Pay): optional via Chase Business Online; customers upload issued-check data; Chase compares against items presented for payment; $0 monthly fee, $0 per exception item, $0 per check return
- Check Monitoring (Reverse Positive Pay): optional via Chase Business Online; monitors checks presented for payment against written checks; $0 monthly fee, $0 per check return
- ACH Debit Block: optional via Chase Business Online; blocks all or specific ACH debits by Company ID; $0 monthly fee

### Account Management
- Standard Overdraft Practice: $34 fee per transaction overdrawn by more than $50 (max 6 fees/day, up to $204); Chase Overdraft Assist℠ waives fee if account brought to $50 overdrawn or less by end of next business day
- Overdraft Protection (optional): link Chase business savings account or Chase business line of credit; no transfer fee; LOC backup accounts incur interest per the LOC agreement
- Chase Business Debit Card Coverage (optional, enrolled by default): governs everyday debit card transactions with insufficient funds and no linked backup; opt out (NO) means debit card transactions declined with no fee

### Cards & ATM
- Chase Business Debit Card: available to owners and signers; one per person per account; $0 annual fee; Zero Liability Protection; $10,000 daily spend limit
- Chase Business Associate Debit Card: for employees (non-signers); deposits, withdrawals, and purchases up to $5,000/day spend and $1,000/day ATM; limits adjustable by account owner in $100 increments
- Chase Business Employee Deposit Card: for employees; ATM and branch deposits only; no withdrawals or account maintenance
- Non-Chase ATM fee: $3/withdrawal domestic; $5/withdrawal international; ATM owner surcharges still apply

---

## Fee Schedule

| Fee Type | Amount | Notes |
|----------|--------|-------|
| Monthly Maintenance | $15.00 | Waivable — see waiver conditions above. First two months waived for new accounts. |
| Overdraft | $34.00 | Per transaction overdrawn by more than $50. Max 6/day ($204). Waived by Chase Overdraft Assist℠ if brought to ≤$50 overdrawn by next business day. |
| Excess Transaction | $0.50 | Per paper-based deposit, withdrawal, or check above 20/month. Electronic transactions always free. |
| Non-Chase ATM (Domestic) | $3.00 | Per withdrawal at non-Chase ATM in the U.S. and U.S. territories. ATM surcharges also apply. |
| Non-Chase ATM (International) | $5.00 | Per withdrawal at non-Chase ATM outside the U.S. ATM surcharges also apply. |
| Domestic Wire (Outgoing) — Online | $25.00 | Via chase.com or Chase Mobile |
| Domestic Wire (Outgoing) — Branch | $35.00 | With help of a Chase banker |
| Domestic Wire (Incoming) — Standard | $15.00 | Standard incoming fee |
| Domestic Wire (Incoming) — Digital Origin | $0.00 | $0 if sent via Chase banker or chase.com/Chase Mobile |
| International Wire (Outgoing) — Online USD | $40.00 | Via chase.com or Chase Mobile in USD |
| International Wire (Outgoing) — Online FX | $5.00 | Via chase.com or Chase Mobile in foreign currency; $0 if $5,000+ |
| International Wire (Outgoing) — Branch | $50.00 | Via Chase banker (USD or foreign currency) |
| International Wire (Incoming) — Standard | $15.00 | Standard incoming fee |
| International Wire (Incoming) — Digital Origin | $0.00 | $0 if sent via Chase banker or chase.com/Chase Mobile |
| Cash Deposit (Branch/Night) | $0 up to $5,000; 0.30% above | Free up to $5,000/statement period; 0.30% of excess. ATM cash deposits always free and unlimited. |
| Stop Payment — Online/Automated | $25.00 | Via chase.com, Chase Mobile, or automated phone system |
| Stop Payment — Branch | $30.00 | Placed by a Chase banker |
| Card Replacement (Rush) | $15.00 | Express shipping of replacement card. Standard shipping free. |
| Foreign Transaction | 3% of transaction amount | Applied to card purchases and ATM withdrawals in non-USD currencies after conversion. |
| ACH Collections | $25 for first 25 items/month; $0.25/item above; $2.50 return | Optional service to pull electronic collections from U.S. checking/savings accounts. |

---

## Active Promotions

### $500 Bonus Offer
- **Minimum deposit:** $10,000 (within 30 days of enrollment)
- **Condition:** Maintain the minimum balance for 60 days from offer enrollment; complete 5 qualifying transactions within 90 days of enrollment
- **Bonus paid:** Within 15 business days of qualification
- **Expiry:** July 15, 2026

### $400 Bonus Offer
- **Minimum deposit:** $2,000 (within 30 days of enrollment)
- **Condition:** Maintain the minimum balance for 60 days from offer enrollment; complete 5 qualifying transactions within 90 days of enrollment
- **Bonus paid:** Within 15 business days of qualification
- **Expiry:** July 15, 2026

---

## Eligibility

- LLC
- Sole Proprietorship
- C-Corp
- S-Corp
- U.S.-based business required
- No minimum time in business required
- No minimum annual revenue required
- One account per business (multiple accounts not allowed)

---

## Who Is This Account Best For?

### Main Street Service Businesses (Sole Props and LLCs)
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. Chase's branch and ATM network makes depositing business revenue straightforward, and the $15 monthly fee is easily waived by maintaining $2,000 in operating float. 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 remain free without limit.

### LLCs and S-Corps with International Payment Needs
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 wires cost $5 (and drop to $0 for transfers of $5,000 or more), compared to $50 at a branch. RTP, Same-Day ACH, and FedNow are available as add-ons for time-sensitive domestic payables. Positive Pay, Check Monitoring, and ACH Debit Block are all $0/month — meaningful protection for businesses managing recurring international and domestic payment risk.

### Cash-Heavy Retail and Hospitality Businesses (C-Corps and LLCs)
A C-Corp or LLC with physical retail locations — restaurant, bar, boutique — 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. 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.

---

## Bancadia Verdict

Choose Chase Business Complete Checking if you run an established small business — LLC, sole prop, S-Corp, or C-Corp — with moderate paper transaction volumes, a steady $2,000+ operating balance to waive the monthly fee, and a need for multi-rail payment capability (wires, Zelle, and optionally RTP, Same-Day ACH, or FedNow). The $0-monthly-fee fraud tools (Positive Pay, ACH Debit Block, Check Monitoring) are a genuine differentiator at the entry tier. Do not choose this account if you write more than 20 paper checks or make more than 20 counter deposits per month — at $0.50 per item, volume-heavy paper users will find better value elsewhere. Also consider a fintech-native account if you need virtual card issuance or deep accounting software integrations (QuickBooks, Xero), which Chase Business Complete Checking does not offer at this tier.

---

*Data sourced directly from JPMorgan Chase Bank, National Association. Last verified: June 27, 2026.*
*Bancadia earns a commission if you open an account through our links. This does not affect our editorial assessment.*