Chase Business Complete Banking
The most widely used business bank account in the US.
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Chase Business Complete Banking is the standard business checking account from Chase, the largest bank in the United States. With 4,700+ branches, 16,000 ATMs, robust online banking, and deep integration with Chase's business credit cards and payment processing, it is the most familiar business banking option for freelancers who prefer an established institution.
Our Scores
4.3
Ease of Use
4.2
Features
3.8
Value
4.0
Support
Pros & Cons
Pros
- ✓4,700+ branches and 16,000 ATMs nationwide
- ✓Cash deposits accepted — important for cash-heavy businesses
- ✓Excellent Chase business credit card ecosystem
- ✓Robust online banking and mobile app
- ✓Monthly fee waivable with $2,000 minimum daily balance
Cons
- ✗$15 monthly fee unless balance or activity requirements are met
- ✗Transaction limits before additional fees apply
- ✗Less innovative than neobank alternatives
- ✗Interest rate on deposits is minimal
Best For
- →Freelancers who prefer a large traditional bank with branch access
- →Those who want to pair business banking with Chase credit cards
- →Businesses needing cash deposit capabilities
- →Freelancers who already use Chase for personal banking
Not Ideal For
- ✗Those who want zero monthly fees (fintech options are better)
- ✗International freelancers needing multi-currency accounts
- ✗Tech-forward freelancers who prefer modern digital banking
Pricing
Business Complete Banking
$15/month
- ✓Unlimited electronic transactions
- ✓20 teller transactions
- ✓QuickAccept card reader
- ✓Online and mobile banking
- ✓Chase Business Ink card access
Frequently Asked Questions
Can I waive the Chase Business Complete Banking monthly fee?
Yes. The $15 monthly fee is waived if you maintain a $2,000 minimum daily balance, spend $2,000+ on Chase Ink Business cards, or receive $2,000+ in QuickAccept deposits monthly.
How does Chase Business compare to Relay or Mercury?
Chase has branches, ATMs, and cash deposit capability that neobanks lack. Relay and Mercury have no fees, better digital interfaces, and more innovative features. Choose Chase if you need in-person banking; choose neobanks for zero-fee digital-first banking.
Other Banking Options
Tax Information Notice
This content is for informational and educational purposes only. It does not constitute tax, legal, or financial advice. Tax laws change frequently. Always consult a qualified CPA or Enrolled Agent for your specific situation.