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Chase Business Complete Checking®

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  • Intro Bonus $300Expires January 18, 2024 More Info

    Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.

The Chase Business Complete Checking® account is an attractive option. It offers the convenience of one of the largest financial institutions in the country, and it frequently offers bonuses that are relatively easy to earn. While it does not allow you to accrue interest on your funds like some other popular small business checking accounts, it's still very much worth considering if you can meet the requirements to waive its monthly fees.

Helpful Perks for Businesses of All Sizes

Everyone enjoys an extra bonus. Entrepreneurs and small business owners are no exception. Eligible customers can earn an extra $300 when opening a new Business Complete Checking® account with Chase, depositing at least $2,000 within the first 30 days while maintaining that balance for at least 60 days, and making five qualifying transactions within 90 days of account opening. Here’s what you’ll need to do to cash in on this Chase business account promotion, as well as some relatively easy ways to waive the account’s monthly fee.


  • Generous signup bonus
  • Several options to waive monthly fee
  • Same-day deposits using QuickAccept℠ service
  • Huge network of in-person branches and ATMs


  • Monthly maintenance fee
  • Overdraft fees are relatively high
  • Limit on fee-free cash deposits and physical transactions

Chase Business Complete Checking Account at a Glance

Bonus Offer

Open a new account with the coupon code; deposit $2,000 of new money in the first 30 days and maintain at least $2,000 for 60 days; complete five qualifying transactions in the first 90 days of account opening

Offer Expiration

January 18, 2024

Minimum Deposit

No minimum deposit required
(but $2,000 needed for bonus)

Where to Apply

Online or in a branch (nationwide)

Monthly Fee

$15 (with ways to waive)

ATM Fees

$0 at ATMs in the Chase network
$3 for out-of-network ATMs
$5 for withdrawals outside the U.S.

A business bank account is important for any entrepreneur or small business owner. In fact, the U.S. Small Business Administration recommends opening a business bank account as soon as your business is ready to spend or accept money. If you’re in the market for a new account, a Chase Business Complete Checking account is worth considering. Monthly fees start as low as $0 (but go up to $15, depending how you use the account). Plus, if you complete a few qualifying activities, you could get a $300 bonus when you open a new account.

How to Get Your $300 Chase Bonus

Qualifying for the $300 new Chase business account bonus isn’t difficult. But there are a series of qualifying activities and transactions you’ll need to complete after account opening to be eligible.

  1. Open an account: You'll need to be a new Chase business checking customer and open new Chase Business Complete Checking account online or at a branch. You'll need a coupon code to access your offer.
  2. Fund your account: Deposit $2,000 or more of new money within the first 30 days of coupon enrollment. Your new money deposit amount is determined at the 30-day mark from account opening. Maintain at least a $2,000 minimum balance for 60 days.
  3. Complete five qualifying transactions: You will also need to complete at least five “qualifying transactions” within the first 90 days of opening your Chase business checking account. Qualifying transactions may include any of the following:
    • Debit card purchases
    • Chase QuickDeposit (Make mobile check deposits through the Chase Mobile app)
    • Chase QuickAccept deposits (Accept credit card payments through the Chase Mobile app)
    • ACH credits (Additional service fees of $25 per month for up to 25 payments may apply)
    • Wire transfers (Both credits and debits)
    • Chase online bill pay

As far as current business bank bonuses are concerned, a $300 bonus for Business Complete Checking is still very attractive. And, if you already need to open a new business checking account anyway, it’s a nice added perk.

Another added benefit to the Chase Business Complete bonus is that no direct deposit is required. The expiration date for this offer is January 18, 2024. Learn more about other new bank account promotional offers from different banks.

How to Get Your Chase Business Coupon Code

To receive your $300 Chase bonus, you'll need an offer code.

Here is how to get a coupon code from Chase:

  1. Visit this partner offer page.
  2. Input your e-mail address to request your offer code.
  3. Check your e-mail for your code.

Once Chase emails your offer code, you can use it to open your account either online or in-branch. If applying online, Chase will automatically apply your offer code during your secure online application.

Bonus Offer Fine Print

In addition to the details above, take the time to review the fine print of the new account bonus offer itself, for example:

  • Taxes: In the past Chase Bank has mentioned it will issue a 1099-INT form (or form 1042-S, if applicable) with its new business account bonuses. If Chase does issue a 1099-INT to your business, you’ll need to include it on your business tax return.
  • Account timeline and limitations: There may be a minimum amount of time you must keep your account open and limitations on how often you’re eligible to receive a new account bonus from the bank.
  • Expiration date and wait time: Check if the offer comes with an expiration date, along with how many business days it takes to receive bank bonuses once you qualify.

Features and Benefits

Chase offers a lot of value to its business checking customers. For many, the $300 new account bonus may be enough enticement to open a new Business Complete Checking account. That said, here are several other benefits of this account:

  • Payment acceptance: You can process debit and credit card purchases conveniently with QuickAccept through the Chase Mobile app. (You’ll pay transaction fees when you accept electronic payments, as with traditional merchant accounts.)
  • Easy access: As the largest bank in the United States, Chase has 16,000 ATMs and over 4,700 locations. You can also access your account online and with the Chase Mobile app.
  • Member FDIC: JPMorgan Chase Bank is FDIC insured (FDIC# 628). Your Chase deposits are protected for up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.
  • Same-day deposits: Some banks require you to wait to access deposited funds, but Chase offers same-day deposits using QuickAccept, without charging additional maintenance fees for the benefit.
  • Unlimited electronic deposits: Chase ATMs and Chase bricks-and-mortar branches offer unlimited electronic deposits at no charge.
  • Mobile deposits: Make unlimited electronic deposits, ACH deposits and Chase QuickDeposits into your business checking account each month.
  • Check monitoring: If your business accepts checks from customers, you can track those payments (and returns) using Chase’s check monitoring services.
  • Account alerts: Chase business checking customers can keep tabs on account activity by setting up free alerts.
  • Other services: Chase also offers personal banking options, investment accounts, business loans, credit cards, mortgages, personal loans and more.


There aren’t a lot of fees with this account, but here are a few you may want to know about:

  • Monthly service fee: $15, with options to waive (described below)
  • ATM fees: $0 at ATMs in the Chase network but $3 for out-of-network ATMs and $5 for withdrawals outside the U.S.
  • Foreign exchange rate conversion fee: 3% of withdrawal amount after conversion to U.S. dollars
  • Overdraft fee: $34 per transaction, though no fee if:
    • You have Chase Overdraft Assist℠
    • Your account is overdrawn by $50 or less at the end of the business day or by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day
    • Your situation meets a few other scenarios described in Chase's fee schedules
  • Wire transfer fees: $0-$50, depending on type, currency and where they originate
  • Cash deposit processing fee: $0 on first $5,000 per statement cycle, then $2.50 per $1,000
  • QuickAccept transaction fees: 2.6%-3.5% + $0.10 per authorized transaction, depending on transaction type
  • Expedited replacement card request: $5 per requested ATM or debit card

How to Get the Chase Business Monthly Fee Waived

Chase Business Complete Banking accounts have monthly service fees that range up to $15 with options to waive. But if you complete any of the following, the bank will waive your monthly fee in full:

  • Keep a minimum daily account balance of $2,000 or more
  • Make $2,000 or more in monthly purchases on a Chase Ink® Business credit card
  • Receive $2,000 or more in monthly deposits through QuickAccept or other eligible payment solutions
  • Link your Chase Private Client Checking account with your business checking
  • Have qualifying active-duty or veteran military status (and an acceptable means to prove it)

Previous Chase Business account holders enjoyed the opportunity to avoid monthly service fees as well for their Chase Total, Chase Performance and Chase Platinum accounts. But the Chase Business Complete Banking accounts give you more ways to earn this savings.


The Chase Business Complete Checking account has a lot going for it, but a few factors may be downsides for some:

  • Has a monthly maintenance fee
  • Doesn't earn interest
  • Fee-free cash deposits are limited to $5,000 per statement cycle
whispering in ear over money background Related Article

5 Banks With Strong Referral Bonuses

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Turn the $300 Chase Bonus Into $1,200 or More With a Credit Card Bonus

You can currently supercharge your Chase $300 bonus when you qualify for an eligible Chase business credit card bonus. Like all bonuses, there are qualifying transactions to be eligible.

In my experience, when it comes to travel rewards, I'd argue that Chase is the leading issuer. It offers a broad variety of credit cards that help small businesses earn points through its Ultimate Rewards program.

Chase keeps adding to its portfolio of small business cards you can use to increase the rewards you earn. Chase currently offers several small business credit cards that earn points in the Ultimate Rewards program, and many of them allow you to transfer points to travel partners.

Compare Chase Ink Business Credit Cards

Credit Card Intro Bonus Annual Fee Rewards Rate Learn More

Ink Business Unlimited® Credit Card

$900Cash Bonus More Info

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

$0 1.5%Cashback More Info

The advertised rewards type is cash back, but it’s important to note that you’re technically earning Chase Ultimate Rewards points (which can then be converted to cash back).

Ink Business Cash® Credit Card

$900Cash Bonus More Info

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

$0 1% - 5%Cashback More Info

Earn 5% cash back on your first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. It also offers you 2% cash back on your first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

Ink Business Preferred® Credit Card

100,000Chase Ultimate Rewards Points More Info

Earn 100,000 bonus points after you spend $8,000 in the first three months Dollar Equivalent: $2,300 (100,000 Chase Ultimate Rewards Points * 0.023 base)

$95 1x - 3xPoints More Info

Earn 3x points on the first $150,000 of combined spending in a number of key business categories

Ink Business Premier℠ Credit Card

$1,000Cash Bonus More Info

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

$195 Up to 2.5%Cashback More Info

Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.

Chase Ultimate Rewards points can be redeemed for travel or as cash back. Read our full review of the Chase Ultimate Rewards program.

Related Article

Chase Travel Rewards: Guide to Chase Ultimate Rewards

Read More

Chase Business Savings Account Options

Business owners and entrepreneurs can also opt to open a business savings account with Chase. A business savings account can be a great place to stash away extra cash reserves (like an emergency fund for your business) or to save money toward a business goal. It can also serve as added protection against business checking overdrafts and their associated costs.

Currently, Chase offers three types of business savings accounts to enroll in:

  • Chase Business Total Savings
  • Chase Business Premier Savings
  • Chase Business Certificates of Deposit

All three savings accounts give you the chance to earn interest on your savings balance, but the fees and benefits of each vary.

The table below can help you compare key differences between the three savings account options.

Chase Business Savings Account Options

Chase Business Total Savings Chase Business Premier Savings Chase Business Certificates of Deposits (CDs)

Monthly Service Fee




Monthly Service Fee Waiver

Maintain a minimum balance of $1,000 (or hold a linked Chase Business Complete Banking account)

Maintain an average daily balance of $25,000 among all of your qualifying Chase business accounts


Annual Percentage Yield

0.01% APY

0.01%-0.02% APY based on if the account is linked to Chase business checking account

0.02%-4.00%, depending on CD term and balance

Deposit Limit

15 free per month (up to $5,000 in cash deposits per statement)

30 free per month (up to $10,000 in cash deposits per statement)

$1,000 minimum opening deposit

FDIC Insured




Should You Open a Chase Business Complete Banking Account?

There is no one-size-fits-all solution when it comes to business bank accounts. Yet whether you’re just starting out or running a large, well-established corporation, a Chase Business Complete Banking account might be a good fit for your business checking needs.

A few reasons you may want to consider a Chase Business Complete Banking account include:

  • One-stop shop: You value the simplicity of having personal and business banking options with a single institution.
  • Many branches and ATMs: The ability to access Chase’s vast network of in-person branches and fee-free ATMs works well with the way you do business.
  • Helpful online tools: You appreciate the bank’s user-friendly mobile, online banking solutions and options for electronic deposits.
  • Fees not applicable to you: Monthly service fees likely won’t apply to you based on the way you manage (or intend to manage) your business banking accounts.
  • OK with cap on electronic payments: Accepting limited electronic payments each month (without setting up a formal, separate merchant account) would make it easier for your business to collect payments from third-party vendors or otherwise.
  • Looking for a bonus: You’re in the market for a new business checking account anyway and want to take advantage of the $300 new account bonus.

That said, it’s smart to do your research and shop around before you open a new business bank account with Chase Bank or anyone else. Chase is considered one of the safest banks in the U.S., so you can be confident that your funds are secured up to the federally insured limit.

If you’re like most small business owners, you’re likely to set up a new bank account and then stay put for some time. So, take your time and compare what’s available before you officially apply.

Business Banking Done Right

Ready to open a Chase Business Complete Checking Account? Start here.

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Chase Business Complete Banking FAQ

  • When opening a new Chase business account, plan on providing:
    - Business address and phone number
    - Nature of your business
    - Number of locations and employees
    - Annual sales and the types of transactions and volumes you might process with the account

    You’ll also need one or the following types of tax identification numbers:
    - Social Security number
    - Employer identification number (EIN)
    - Individual taxpayer identification number

  • Chase will most likely not request a hard pull of your credit history when opening a business checking account or business savings account. Banks don't usually use credit score to approve new deposit accounts. However, most banks will pull your file from the ChexSystems reporting agency for a history of overdrafts or bounced checks. If you're concerned about your file, you can request a free copy of your ChexSystem report.

  • Some people have reported seeing a $750 bonus when opening an account, but it requires a much larger deposit ($30,000 within 30 days). You also have to maintain that balance for 60 days. This offer is not available through Slickdeals Money, however.

About Chase Bank

Chase bank branch


Chase is a nationwide bank that offers a wide range of other financial products, private client options and services, including loans, credit cards and investments such as You Invest by J.P. Morgan or Chase Private Client.

Also, Chase ranked No. 2 in the 2022 J.D. Power National Banking Study, so you can expect to have a good experience with your account

Chase is the largest financial institution in the U.S. It offers 16,000 ATMs and 4,700 branches for you to conduct your business. There’s something to be said about the ability to walk into a Chase Bank in most large cities in the U.S. to get in-person help with your accounts. With locations in most states and Washington, D.C., odds are there’s a Chase Bank branch somewhere near you.

If you just need to deposit a check or want quick cash, you can skip the teller and head to a Chase ATM. However, Chase does charge fees for using ATMs outside of the Chase network.


Michelle Lambright Black

Michelle Black is founder of and Michelle is a leading credit card journalist with over a decade and a half of experience in the financial industry. She’s an expert on credit reporting, credit scoring, identity theft, budgeting, small business, and debt eradication. Michelle is also a certified credit expert witness and personal finance writer.