Most products on this page are from partners who may compensate us. This may influence which products we write about and where and how they appear on the page. However, opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain.

Chase Business Complete Checking®

Open Account

at Chase

  • Our Rating 5/5 How our ratings work
  • APYN/A
  • Minimum
    Deposit Required
  • Intro Bonus $300Expires October 17, 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 of $300+ 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

If you’re in the market for a new account, consider a Chase Business Complete Checking account. Monthly fees start as low as $0 (but go up to $15, depending on how you use the account). Plus, if you complete a few qualifying activities, you could earn a nice bonus when you open a new account.

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.


  • 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

$300 More Info 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
(Expires October 17, 2024)

Monthly Fee

(waivable with qualifying activities)

Minimum Deposit

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

Where to Apply

Online or in a branch (nationwide)

ATM Fees

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

How to Get Your $300 Chase Bonus

Qualifying for the $300 new Chase business account bonus isn’t difficult, but you'll need to complete a series of qualifying activities and transactions 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 October 17, 2024. Learn more about other new bank account promotional offers from different banks.

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.

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:

  • Visit the offer page.
  • Input your e-mail address to request your offer code.
  • 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.

Account 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.)
  • Large ATM network: As the largest bank in the United States, Chase has 16,000 ATMs and over 4,700 locations.
  • 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 banking services under one roof: Chase also offers personal banking options, investment accounts, business loans, credit cards, mortgages, personal loans and more.

Account Fees

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

How to Waive the Monthly Fee

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.

Related Article

Why Small Business Owners Should Pair a Chase Business Account With Chase Ink Business Credit Cards

Read More


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: Unless you qualify to get the monthly fee waived, you'll be charged a $15 monthly service fee.
  • Doesn't earn interest: Other rewards checking accounts offer competitive APYs on checking balances, and some even offer cash-back rewards.
  • Fee-free cash deposits are limited to $5,000 per statement cycle: If you deposit a large amount each statement cycle, you will incur additional fees.

Who Should Open a Chase Business Complete Checking Account?

This account could be an asset if your business needs mesh well with the features and fee waiver options. Here are some scenarios in which business owners could benefit:

  • You want a sign-up bonus: It's not easy for everyone to earn the account's bonus, but if your business is relatively new and you could use some extra cash, this account can help. Just make sure you read the fine print so you understand the terms.
  • Your business accepts credit card payments: Credit card payment solutions can be expensive, and Chase QuickAccept isn't free—you'll pay 2.6% plus $0.10 for mobile card reader transactions and 3.5% plus $0.10 for manual transactions through your mobile app or online banking. But you don't have to pay extra fees to get same-day deposits or deal with a contract.
  • You have a lot of card transactions: Some business checking accounts limit how many free transactions you get, after which you have to pay per "item." With this one, you can do as many debit card and Chase ATM transactions as you want.
  • You want a large ATM network and branch access: The ability to access Chase’s vast network of in-person branches and fee-free ATMs works well with the way you do business.
  • You can easily get the monthly fee waived: Chase offers several opportunities to waive the monthly fee. If you can easily drop the fee down to $0 every month based on the qualifying criteria, you won't have to worry about the benefits outweighing the costs.
  • You prefer a one-stop shop bank: You value the simplicity of having personal and business banking options with a single institution.

Chase is considered one of the safest banks in the U.S., so you can be confident your funds are secured up to the federally insured limit. 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.

Business Banking Done Right

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

Open Account

at Chase

Who Shouldn't Open a Chase Business Complete Checking Account?

While the account can be a great fit for some business owners, that's not the case for everyone. Here are some situations where it might not make sense to open the account:

  • You have a lot of cash transactions: If your business works mostly with cash and expects to exceed the $5,000 fee-free limit, or you anticipate you will relatively soon, you may want to find an account that will accommodate your needs without additional fees.
  • You can't meet the bonus requirements: If keeping $2,000 locked up in the account for 60 days would be a detriment to your business, it's likely not worth the bonus.
  • You won't be able to get the monthly fee waived: If your business isn't set up in a way to make it easy to get the service fee waived every month, you may want to consider an account that doesn't charge a fee at all.

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.


  • 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.


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.