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Chase Business Complete Checking℠

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  • Intro Bonus $300Expires May 18, 2023 More Info

    New Chase Business Complete Checking customers can earn a $300 bonus 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, deposit $2,000 within the first 30 days while maintaining that balance for at least 60 days, and make five qualifying transactions within 90 days of account opening.

Here’s more information on 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

Introducing Chase Business Complete Banking℠

A business bank account is an important tool for any entrepreneur or small business owner — both for tax and accounting purposes.

Not sure whether your new business endeavor needs its own, separate account? It may help to take a look at what the U.S. Small Business Administration (SBA) has to say. The SBA recommends opening a business bank account as soon as your business is ready to start spending or accepting money.

If you haven’t set up a dedicated business bank account yet, or if you’re in the market for a new one, a Chase Business Complete Checking account is worth your consideration. Monthly service fees start as low as $0. But you should be aware that those same monthly service fees can be as high as $15, depending on how you use the account.

On a more attractive note, if you’re willing and able to complete a few qualifying activities, you could wind up enjoying a $300 bonus when you open a new Chase business checking account.

Chase Business Complete Banking Bonus: $300

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.

How to Qualify:

  • Be a new Chase business checking customer
  • Deposit $2,000 or more (total) of new money within the first 30 days of coupon enrollment
  • Maintain at least a $2,000 minimum balance for 60 business days
  • Qualifying Transactions:
    • You will also need to complete at least five “qualifying transactions” within the first 90 business 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 May 18, 2023.

How to Get Your Chase Business Coupon

To receive your $300 Chase bonus, you'll need an offer code—or what is commonly referred to as a coupon code.

There are two was to obtain your offer code.

Request your offer code through email

Getting your coupon via email is the best option for new customers who either want to open an account at a brick-and-mortar location, or who will open an account online in the near future.

  • Visit this partner offer page to claim your offer code using your email address
  • Once Chase emails your offer code, use it to open your account either online or in-branch
  • Once you've applied your offer code and opened your account, you have enrolled your coupon, and the clock starts ticking to meet the qualifying actions to get your bonus

Open an account online

This option is best for people who are ready to open an account now.

  • Visit this partner offer page to open an account
  • Chase will automatically apply your offer code during your secure online application

Chase Business Banking customers have the option to open a Chase Business Complete Banking account online or in-branch.

Bonus Offer Fine Print

In addition to the details above, you should take the time to review the fine print of the new account bonus offer itself.

For example, in the past Chase Bank has mentioned that 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.

There may also be a minimum amount of time you must keep your new Chase business checking account open and limitations on how often you’re eligible to receive a new account bonus from the bank.

Finally, be on the lookout to see if the offer comes with an expiration date, along with how many business days it takes to receive bank bonuses once you qualify.

woman working from home on a laptop in a kitchen
Credit: iStock/sturti

Features, Benefits and Fees

Chase offers a lot of value to its Chase business checking customers. For many, the $300 new account bonus may be enough of an enticement to motivate you to open a new Business Complete Checking account. But, once you’re a business banking customer, there are several reasons you may want to stick around.

As a customer with a Chase Business Complete Checking account, you can enjoy perks such as QuickAccept, QuickDeposits and several convenient options for waiving the monthly maintenance fees.

Options 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 Chase merchant service 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.

Payment Acceptance

With Chase business checking, your business can process debit card purchases and credit card purchases conveniently using the QuickAccept service through the Chase Mobile app. And you can enjoy this benefit without filling out any additional applications. Just remember, processing credit cards or debit cards isn’t free. You will pay additional fees for each transaction whenever your business accepts electronic payments, just like you’d expect to pay with a traditional merchant account.

Same-Day Deposits

Some banks require you to wait before you can access the funds that you deposit into your business checking account. That’s not the case with Chase Business Complete Banking. Chase offers your business same-day deposits using its QuickAccept service, and it does so without charging you any 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 Services

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.

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.

Multiple Ways to Manage and Access Your Account

As the largest bank in the United States (and one of the largest banks worldwide), Chase has banking options for businesses of all sizes.

Fans of in-branch banking will likely enjoy the ability to access the bank’s network of 16,000 ATMs and over 4,700 locations.

You can also use Chase Business online and the Chase Mobile app for easy online account management options if you’re unable or not interested in visiting a physical branch location.

Other Benefits

In addition to business banking, Chase also has personal banking options and investment accounts available as well, if you prefer to house all of your banking needs under one roof.

Finally, Chase Bank offers numerous financing options when you need to borrow money such as business loans, credit cards, mortgage loans, personal loans, auto loans, home equity loans and lines of credit, and more.

Turn the $300 Chase Bonus Into $1,300 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.

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 that you can use to increase the rewards you earn.

Chase currently offers three small business credit cards that earn points in the Ultimate Rewards program.

Ink Business Cash® Credit Card

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  • Our Rating 4.5/5 How our ratings work Read the review
  • APR17.74% - 23.74% (Variable)
  • Annual Fee$0
  • $750 $750Cash Bonus More Info

    Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

The Ink Business Cash® is legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, with no annual fee. And while 5% cash back sounds great, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points. In addition to earning excellent cash-back rewards, it also includes competitive introductory offers and provides cards for employees at no additional charge.

Ink Business Unlimited® Credit Card

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Secure application on issuer’s website

  • Our Rating 4.5/5 How our ratings work Read the review
  • APR17.74% - 23.74% (Variable)
  • Annual Fee$0
  • $750 $750Cash Bonus More Info

    Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Here’s a card that you can use to earn a strong rate of return on all of your business purchases, with no annual fee. The Ink Business Unlimited® is technically a cash-back card, but the rewards can be transferred to travel partners when you have another qualifying Chase card that offers this feature. If you want cash back that you can drive back into your business or use for personal expenses, this card could be a great option. With this card, you’ll earn 1.5% cash back on every purchase you make. Additionally, if you have some purchases coming up and need some time to pay them off, the card’s 0% APR on purchases for 12 months can help you save a lot on interest. And, if you need employee cards, you can get them at no additional charge.

Ink Business Preferred® Credit Card

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Secure application on issuer’s website

  • Our Rating 4.5/5 How our ratings work Read the review
  • APR20.49% - 25.49% (Variable)
  • Annual Fee$95
  • 100,000 100,000Chase Ultimate Rewards Points More Info

    Earn 100,000 bonus points after you spend $15,000 in the first three months Dollar Equivalent: $2,200 (100,000 Chase Ultimate Rewards Points * .022 base)

This card offers a whopping 100,000 bonus points after you spend $15,000 in the first three months — with the card’s 25% bonus on travel booked through Chase, that’s worth $1,250. But you could potentially get more through one of the bank’s transfer partners. The rewards you earn from the Ink Business Preferred Card can be transferred to 10 different airline partners including United, Southwest, Virgin Atlantic, Singapore and British Airways, as well as hotel partners Hyatt, Hilton and Marriott. Unlike the other two Ink Business cards, you can use this card to transfer your rewards directly to airline miles and hotel points. Travelers may also like this card’s cellphone protection policy that will cover up to $600 per claim.

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

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

Fixed rate of return (0.01%-0.05%) based on balance and if the account is linked to Chase business checking account

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




Cons: Chase Business Savings Drawbacks

As you can see above, monthly maintenance fees and low interest rates are the two biggest drawbacks of Chase business savings accounts.

If you can get by with a Chase Business Total Savings account or if you maintain a high enough average daily balance for a Chase Business Premier Savings account to make sense, you can enjoy either of these options without the added cost.

But if you’re looking to earn a better rate of return on your investment, Chase’s options may leave you wanting more.

Other banks may offer high-yield accounts that award a higher annual percentage yield on your business savings balance. As an example, Axos Bank offers several business checking account options with higher APYs and lower to no monthly fees.

Referral Program

An added benefit of being a Chase Bank customer is that you may be eligible to participate in the bank’s referral program depending on the type of accounts you have open. You can earn $50 per referral when you fill out the required form and your friend opens a qualifying bank account.

Your total referral earnings are capped at $500 per year — $50 each for up to ten total friends. And, not only can you earn a referral bonus when your friend or family member opens an eligible account, your loved one may be able to earn a reward as well. Depending on the account type, the person you refer will have to complete certain qualifying activities to receive their bonus.

Note that Chase may report your bank bonuses to the IRS via Form 1099-MISC since they are considered to be miscellaneous income.

At the moment, Refer-A-Friend bonuses are not available to those opening new Chase business checking accounts. However, if Chase Bank is your credit card issuer, you may be eligible to earn additional credit card referral bonuses — both on the business and personal side.

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:

  • You value the simplicity of having personal and business banking options with a single institution.
  • 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 appreciate the bank’s user-friendly mobile, online banking solutions and options for electronic deposits.
  • Monthly service fees likely won’t apply to you based on the way you manage (or intend to manage) your business banking accounts.
  • 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.
  • You’re in the market for a new business checking account anyway and want to take advantage of the $300 new account bonus.

Of course, it’s smart to do your research and shop around before you open a new business bank account with Chase Bank or anyone else.

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

  • To open a Chase business account, you will need two forms of personal identification — both primary and secondary ID — and a tax identification number. Valid forms of primary ID include, state-issued driver’s license or ID card, passport, Permanent Resident Card (green card) or a Matricula Consular Card. Secondary identification can be a credit card or debit card, employer identification or a utility bill. You’ll also need one or the following types of tax identification numbers: Social Security number, Employer Identification Number (EIN) or an individual taxpayer identification number.

  • When opening a new Chase business account, plan on providing the following information: business address and phone number, the nature of your business, number of locations and employees, annual sales and the types of transactions and volumes you might process with the account.

  • Chase will most likely not request a hard pull of your credit history when opening a business checking account or business savings account. Banks do not normally 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 are concerned about your file, you can request a free copy of your ChexSystem report.

  • There isn't much difference between a coupon and an offer code. Chase has its own in-house terms; so what many people refer to as a Chase business coupon, the bank calls an offer code. Additionally, Chase will occasionally use the term coupon on its website in relation to coupon enrollment, which is the bank's way of saying that you have opened an account with your offer code and are now eligible to earn a promotion.

  • You can open a Chase business checking account either online or in-branch. Depending on your business type and the variety of business checking account you want to open, you may need the following documentation: tax identification number (either SSN, ITIN, or EIN) and two forms of identification with one being a government-issued ID. Additionally, you’ll need any information required by your state, which could include joint venture agreements, assumed name certificates, annual reports or statements of information, or certified articles of organization.

  • To get your bonus, you must complete these steps: Deposit a total of $2,000 or more into your account within 30 days of opening; maintain a minimum balance of $2,000 for 60 Days; complete five qualifying transactions within 90 days of opening (debit card purchases, ACH credits and debts, and QuickAccept deposits); and keep the account open for six months. Chase will deposit your bonus directly into your account within 15 days of meeting the required eligibility actions.

  • Depending on the type of business checking account you hold, customers enjoy several options to waive monthly service fees, FDIC insurance, same-day deposits, Chase QuickAccept, limited no-fee transactions, unlimited electronic deposits, no-fee cash deposits up to $5,000 (per statement period), wire transfer services, mobile banking, and access to its network of 16,000 ATMS and more than 4,700 branches.

  • Yes, Chase Bank is FDIC insured. This means that your deposits and account balances are insured, dollar-for-dollar, up to $250,000 per depositor.

About Chase Bank

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 2019 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 almost 4,900 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 38 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.