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Small Business Bank Account with Chase Business Complete Banking

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It’s more than a bank account

 

Chase Business Complete Banking is a small business checking account that comes with the ability to accept credit cards, giving you what you need to start or grow your business and keep it going.

 

Multiple ways to waive the Monthly Service Fee

 

Explore the multiple ways to earn a waiver for the Monthly Service Fee.

 

Accept card payments

 

Accept credit cards with no hidden fees or monthly contract with Chase QuickAccept®.

 

Fraud Protection Services

 

We help protect your cash flow from fraud with check monitoring and approval, payment limits, and alerts that keep you up to date on any changes to your account.

The Monthly Service Fees can be reduced from $15 to $0

Want to waive the $15 Monthly Service Fee?

 

Here’s a summary of the criteria you need to meet each statement period:

  • $2,000 minimum daily ending balance
  • $2,000 in eligible deposits from your Chase QuickAccept® or other eligible Chase Payment Solutions transactions, or
  • $2,000 in eligible purchases from your Chase Ink Business Card, or
  • Maintain a linked Chase Private Client Checking℠, JPMorgan Classic Checking, Private Client Checking Plus account, or
  • Meet Chase Military Banking requirements

For complete details, please review the Additional Banking Services and Fees for Business Accounts at chase.com/business/disclosures or visit a Chase branch. This information is subject to change.

Chase Business Complete Banking offers the features you need to grow your business

Additional account features

  • Unlimited debit card purchases and Chase ATM transactions
  • Multiple ways to send and receive funds:
    • Wire transfers
    • Chase QuickDeposit℠
    • Chase Online Bill Pay
  • Up to $5,000 no-fee cash deposits per statement cycle
  • Associate Debit and Employee Deposit Cards available upon request
  • Chase Business Online and Chase Mobile Banking

Take payments from anywhere in the U.S. with Chase QuickAccept℠

A feature of Chase Business Complete Banking, available through Chase Business Online and the Chase Mobile® app.

  • Delivers same day deposits at no additional fee.
  • Enter card transactions, issue refunds, track disputes and more.
  • No hidden fees or monthly contracts.
Continue, to Chase QuickAccept

Get started today

 

Open a Chase Business Complete Checking account online now – or talk to one of our Chase for Business Specialists at a branch near you

Open an account

Schedule a meeting at your local branch

See how business owners are benefiting from Chase Business Complete Banking

Chase for Business customer

Daniela Purrinos, Jennifer Perez and Yaileen Obregon, Founders of Girls Who Do Interiors

"With an on-the-go, service-based company like ours, it can get complicated collecting payments from contractors and getting reimbursed from clients. Chase business checking was made for our business."

Read the story, Girls Who Do Interiors

Take your business to the next level with premium tools and services

 

Earn $750 bonus cash back

 

Plus, earn unlimited 1.5% on every purchase made for your business with the Chase Ink Business Unlimited® card. You can also waive the Chase Business Complete Banking Monthly Service Fee when you make $2,000 in monthly purchases with your Chase Ink® Business Cards.

 

 

Chase Business Total Savings℠

 

Meet an account designed for businesses just starting a savings plan. With this business savings account, you’ll have access to our helpful online and mobile banking tools, plus you can waive your savings account Monthly Service Fee when you link your account to Business Complete Banking.

Frequently asked questions

Our most popular business checking account, Business Complete Banking allows you to:

  • Choose from a full range of options for making deposits and accepting payments, including card acceptance with Chase QuickAccept℠.
  • Protect your cash flow with check monitoring and approval, payment limits and alerts that keep you up to date on any changes to your account.
  • Waive the Monthly Service Fee – there are multiple qualifying activities that help you avoid the fee.

Learn more about Business Complete Banking.

There is no minimum deposit required to open a Business Complete Banking account.

 

Also, if you're new to Chase, you'll need to add funds to your account. It’s important to add funds within 60 days of opening your new account. New account holders can learn more here.

Here's a summary of what documents you might need to open a Business Complete Banking account in-branch:

 

  • Two forms of personal identification (one that’s government issued).
  • Your tax identification number , Social Security number, TIN or EIN.
  • Legal documentation establishing your business (Articles of Organization, Certificate of Formation) including legal business name, state of registration and registration date.
  • Your Doing Business As (DBA) Certificate, if your business operates under a name other than its legal name.

 

For a full list of documents by business type, please see our checklist.

 

You can open a Business Complete Banking account in three simple steps online. You can also talk to a Chase banker at a branch near you.

Yes. You can open a Business Complete Banking account online if your business is a sole proprietorship, corporation, or an LLC managed by a single member or manager.

 

If your business has a different structure, you can apply at a branch near you.

 

Yes, banks and other financial institutions sometimes offer payment acceptance. With a Business Complete Banking account, you can accept credit cards with Chase QuickAccept℠.

Is there anything else we can help you with?

Ready to switch your business account to Chase?

 

Find out which documents you need to complete an application using our simple checklist.

Continue, to Chase Switchkit

Footnote1

There is a $15 Monthly Service Fee (MSF) that we’ll waive if you meet any of the below qualifying activities for each Chase Business Complete Checking® account in a monthly statement period. Qualifying activities for how to avoid the MSF: (A) Maintain a linked Chase Private Client Checking℠, JPMorgan Classic Checking, or Private Client Checking Plus account, (B) Meet Chase Military Banking requirements, or (C) Fulfill at least one of the following qualifying activities: (1) Maintain a Minimum Daily Ending Balance of at least $2,000 in the Chase Business Complete Checking account each business day during the monthly statement period, excluding the last business day of the statement period; (2) Have at least $2,000 of aggregate eligible deposits (net of chargebacks, refunds, or other adjustments) into the Chase Business Complete Checking account, at least one day before the end of the monthly statement period, using one or more of the following: Chase QuickAccept® including Chase Smart Terminal℠, InstaMed Patient Payments and InstaMed Patient Portal and/or other eligible Chase Payment Solutions℠ products. Eligible Chase Payment Solutions products have a transaction history that is viewable on Chase Business Online, Chase Connect®, or J.P. Morgan Access®. Eligible deposits must be made from Chase Payment Solutions associated with the same business as your Chase Business Complete Checking account, as reflected in Chase records. The cutoff time for eligible deposits is 11:59 p.m. Eastern Time one day prior to the last day of your Chase Business Complete Checking monthly statement period; or (3) Spend at least $2,000 on eligible Chase Ink® Business card purchases in the most recent monthly Ink card billing cycle, which may be different than your Chase Business Complete Checking monthly statement period. Eligible purchases must be made using Ink Business Card(s) associated with the same business as your Chase Business Complete Checking account, as reflected in Chase records, and must earn Chase Ultimate Rewards® points. Certain purchases and transactions are excluded from earning Ultimate Rewards points, as described in your Rewards Program Agreement available on chase.com/ultimaterewards. For complete details, please review the Additional Banking Services and Fees for Business Accounts at chase.com/business/disclosures or visit a Chase branch. This information is subject to change.

Deposits are subject to limits, verification, fraud monitoring, and other restrictions. QuickAccept is not available in U.S. territories or outside the U.S. QuickAccept usage subject to eligibility, terms of service, monitoring and further review. Message and data rates may apply.

Footnote2

Chase QuickAccept® is not available in U.S. territories or outside the U.S. Usage of Chase QuickAccept is subject to eligibility, terms of service, monitoring and further review. Deposits are subject to limits, verification, fraud monitoring and other restrictions. Message and data rates may apply.

Footnote3

Fraud Protection Services is available to eligible business checking accounts and consists of the Positive Pay Service (“Positive Pay Service” or “Check Protection Services”), the Reverse Positive Pay Service ("Reverse Positive Pay" or "Check Monitoring"), and the ACH Debit Block Service. You may not enroll an account in both Check Protection Services and the Check Monitoring or Reverse Positive Pay at the same time.

Reverse Positive Pay or Check Monitoring is a fraud protection service for eligible Chase deposit accounts. There is no fee to enroll. Service activation is subject to Chase approval. Failure to review our transmission of Reverse Positive Pay information or failure to initiate a Reverse Positive Pay presentment decision by the cutoff time for any Item may result in the payment of any such Item unless otherwise agreed to in writing. Customers can’t enroll in both the Reverse Positive Pay and the Positive Pay at the same time. 

Footnote4

Chase QuickDeposit℠ (with scanner) enrollment is subject to approval and availability in your area. If approved, a two-year contract is required which includes a check scanner. A monthly maintenance fee of $25 applies for the single feed check scanner option or $50 applies for the multiple feed check scanner option. Additional scanners are available for purchase at a one-time charge of $300 per scanner for the single feed check scanner and $600 per scanner for the multiple feed check scanner (plus applicable sales tax). During the first 60 days, you may, for any reason, cancel the service and return the scanner at no cost. After that, a cancellation fee of $250 applies if the service is discontinued prior to the end of the two-year contract term. All check and deposit item fees will be billed and processed according to your account maintenance fee schedule.

Footnote5

Online Bill Payment: You must be enrolled in Chase Online℠ to activate and use Online Bill Payment. Online Bill Payment service is included when you designate a qualified account as your Primary Account for Online Bill Payment. A qualified account includes any Chase business checking account.

Footnote6

Chase Mobile® app is available for select mobile devices. Message and data rates may apply.

Footnote7

Payments processed, approved, and completed by 5 PM Pacific Time (PT) / 8 PM Eastern Time (ET) are eligible for same-day deposits, 6 days a week, excluding Saturdays. All deposits are subject to the applicable Terms of Service, including risk assessment and fraud monitoring, which may result in delays. Payments processed, approved and completed by 5 PM PT / 8 PM ET, Sunday through Friday (including holidays), will be deposited into the business owner's Chase business checking account that night. Payments processed, approved and completed by 5 PM PT / 8 PM ET on Saturdays will be deposited into the business owner's Chase business checking account Sunday morning by 7:30 AM ET. There is no additional cost for same-day deposits, but standard rates and fees will apply for business checking and payment processing. Customers qualify for same-day deposits upon sign-up when processing payments through an eligible Chase Payment Solutions℠ or Chase Integrated Payments product and depositing into a Chase business checking account. Same-day deposits are available in the U.S. only. Additional exclusions may apply.

Footnote8

The testimonials on this page or provided via linked videos are the sole opinions, findings or experiences of our customer and not those of JPMorgan Chase Bank, N.A. or any of its affiliates. These opinions, findings, or experiences may not be representative of what all customers may achieve. JPMorgan Chase Bank, N.A. or any of its affiliates are not liable for decisions made or actions taken in reliance on any of the testimonial information provided. Real customers compensated.

Account Alerts: There is no charge from Chase, but message and data rates may apply. Such charges include those from your communications service provider.

Products and services described as well as associated fees, charges, interest rates and balance requirements may differ among different geographic locations. Not all products and services are offered at all locations. Restrictions and limitations apply.

Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.

Chase Payment Solutions services are provided by Paymentech, LLC, a subsidiary of JPMorgan Chase Bank, N.A.

Credit Cards are issued by JPMorgan Chase Bank, N.A.

All products are subject to approval.

Merchant services are provided by WePay, Inc., a subsidiary of JPMorgan Chase Bank, N. A.

Photography: Participants compensated.

Chase for Business links to Chase for Business home

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Payment Solutions

Accept debit and credit cards with safe, secure, and convenient Payment Solutions from Chase anywhere you do business – online, in-store, and on-the-go. Visit our Developer Center to find Payments APIs, developer tools, and documentation.

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Business Debit Cards

More convenient than cash and checks — money is deducted right from your business checking account. Make deposits and withdrawals at the ATM with your business debit card. Save time every month with recurring payments.

Commercial Banking

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We’re here to help with your business banking needs. From payment processing to foreign exchange, Chase Business Banking has solutions and services that work for you.

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