When I started Hill Media LLC in 2016, I opened a business checking account with PNC Bank because that’s where I already handled my personal banking.

At the time, that felt like the easiest option. I needed a business checking account, PNC was familiar, and I could walk into a branch if I needed help.

After about three years, though, I started running into issues.

My PNC business checking account didn’t connect as smoothly with the business and budgeting software I wanted to use. As my business grew, I needed a bank that worked well with tools like QuickBooks, payment processors, and financial tracking apps.

My accountant suggested I look into Chase.

In 2019, I opened a Chase Business Complete Banking account. Seven years later, I still use it as my primary business checking account.

In this Chase Business Complete Banking review, I’ll share what I like, what I don’t like, and whether I think it’s worth it for solopreneurs, freelancers, consultants, creators, and small business owners.

Chase Business Complete Banking: Quick Verdict

Overall Rating: 8.5/10

After seven years, I still recommend Chase Business Complete Banking.

It’s not perfect. The interest rate is extremely low, and I don’t love the ACH fees.

But the account has been reliable, easy to use, and excellent for connecting with the software I use to run my business.

That matters a lot to me.

As a solopreneur running an S-Corp with around $300,000 in annual revenue, I don’t want my business bank account to create more work. I want money to come in, bills to get paid, software to stay connected, and transfers to work.

That’s exactly what Chase has done for me.

Interested in opening an account? You can view the current Chase Business Complete Banking offer here:

What I Like

• Reliable and easy to use
• Excellent integrations with business software
• Strong mobile app
• Easy transfers and payments
• Large branch network
• No issues with deposits or account access
• Monthly fee can be waived if you meet the requirements

What I Don’t Like

• Near-zero APY on checking balances
• Business savings account rates are uncompetitive
• ACH payment fees can feel unnecessary
• Not ideal if you can’t meet the fee waiver requirements

Who Chase Business Complete Banking Is Best For

I think Chase Business Complete Banking can work well for:

• Freelancers
• Consultants
• Content creators
• Bloggers
• Agencies
• Coaches
• Local service businesses
• Ecommerce businesses
• Solopreneurs with contractors

It may not be the best fit if you’re just starting out and can’t comfortably maintain the minimum balance required to avoid the monthly fee.

My Experience With Chase Business Complete Banking

I've used Chase Business Complete Banking as the primary checking account for Hill Media LLC since 2019.

My business is structured as an S-Corp. I'm a one-person business with no employees, but I do work with several contractors throughout the year.

I use my Chase business checking account to:

• Receive client payments
• Receive affiliate income
• Accept Stripe and PayPal transfers
• Receive payroll deposits from Gusto
• Pay contractors and vendors
• Pay my business credit card
• Transfer profit distributions to my personal checking account
• Move excess cash into a high-yield business savings account

Most weeks, I log into Chase three or four times using both the desktop website and the mobile app.

Over the years, I've received payments through ACH, direct deposit, checks, Stripe, and PayPal. I've also used mobile check deposit and regular transfers without issues.

In short, I've put this account through a lot of normal small business use.

Now let's get into what I like and don't like after seven years of using Chase Business Complete Banking.

What I Like About Chase Business Complete Banking

After seven years as a customer, these are the features that have kept me with Chase Business Complete Banking.

It Just Works

The biggest compliment I can give Chase is that I rarely think about it.

Over seven years, I haven’t had fraud issues, missing deposits, transfer problems, or account access headaches.

My money arrives when it’s supposed to arrive, my payments go where they’re supposed to go and my software stays connected.

For business banking, boring is a good thing.

I don’t want surprises from my bank. I don’t want to spend time troubleshooting transactions or wondering why my accounting software disconnected again.

Chase has been reliable, and that reliability is one of the biggest reasons I’ve stayed.

Chase Connects Well With Business Software

One of the main reasons I left PNC was that the technology felt behind.

I had issues connecting my PNC business checking account with tools I wanted to use for accounting and budgeting. That became frustrating as my business grew.

Chase has been much better.

My Chase account has connected easily with QuickBooks, Monarch Money, payroll software, payment processors, and other tools I use to run my business.

That may not sound exciting, but it’s very important.

As a business owner, I don’t want to manually import transactions or spend time fixing broken software connections. I want my bank account to integrate with the tools I already use.

Chase has done that well.

The Mobile App Is Strong

I give the Chase mobile app an 8 out of 10.

It’s easy to navigate, balances update quickly, and I can handle most basic banking tasks from my phone.

I’ve also used mobile check deposit several times. It was easy, fast, and I had no issues with the checks processing.

I don’t use the debit card much because I prefer using business credit cards, but the app itself has been very user-friendly.

The Website Is Solid Too

I’d give the Chase website a 7 out of 10.

It’s not the most beautiful dashboard in the world, but it works well.

I use the desktop site to transfer money, pay vendors, review transactions, and manage my account.

For a business checking account, that’s all I really need.

Money Movement Has Been Easy

Moving money in and out of my Chase business checking account has been straightforward.

I regularly receive money from:

• Clients
• Affiliate partners
• Stripe
• PayPal
• Gusto
• Check deposits
• ACH payments

I also use the account to send money to vendors, pay my business credit card, transfer money to personal checking, and move cash to business savings.

In my experience, transfers usually take one to three business days.

I haven’t sent wires from my Chase business checking account, and I don’t use Zelle for business payments.

Branch Access Is Nice, But Less Important Than I Expected

When I opened my Chase business checking account in 2019, branch access mattered to me.

I was still relatively new to business banking, and I liked knowing I could walk into a branch and speak with a person.

That helped me feel more secure.

When I opened the account, I sat down with a Chase representative in a branch, and the process took about an hour. It was easy and straightforward.

But here’s the funny part: I don’t think I’ve been back to a branch for business banking since.

My wife recently opened a Chase business checking account for her business, and even that process showed me how much banking has changed. The branch was still involved, but much of the process happened through Chase’s larger systems and phone support.

So while branch access is nice, I don’t think it matters as much as it did years ago.

Still, if you like the idea of having a physical branch nearby, Chase has a major advantage over many online-only banks.

I Haven't Had to Pay the Monthly Fee

Chase Business Complete Banking has a monthly service fee, but I don’t pay it.

I avoid the fee by maintaining the required minimum daily balance. I also have other Chase business products, including a Chase business credit card.

For me, the monthly fee has not been an issue.

That said, this is something new business owners should pay attention to.

If you’re just starting out and don’t want to keep a minimum balance in your business checking account, you may want to compare free business checking accounts before opening Chase.

But if you can comfortably meet the fee waiver requirements, Chase becomes much more attractive.

What I Don't Like About Chase Business Complete Banking

While I've been happy with Chase overall, there are a few drawbacks that business owners should know about.

The APY Is Terrible

This is easily my biggest frustration with Chase.

I typically keep between $25,000 and $50,000 in my business checking account.

Unfortunately, Chase pays almost nothing on those balances.

That’s frustrating when online banks and fintech competitors are offering meaningfully higher yields.

I understand that checking accounts aren’t usually designed to be high-yield accounts, but it still feels like Chase could do better.

When your business has tens of thousands of dollars sitting in cash, earning almost nothing while inflation eats away at its value is not ideal.

Because of this, I try not to keep more money in Chase than I need.

Chase Business Savings Wasn’t Worth It for Me

When I opened my Chase business checking account, I also opened a Chase business savings account.

At the time, it seemed convenient to keep everything under one roof.

But the savings rate was not competitive, so I eventually closed the Chase savings account and moved my business reserves to a Live Oak Business Savings account.

That has been a much better fit for my excess business cash.

If Chase offered a competitive high-yield business savings account, I would seriously consider keeping more of my business money there.

ACH Payment Fees Are Annoying

My second biggest complaint is the ACH fee.

Chase has charged me $2.50 for certain ACH payments, and I find that annoying.

Is that enough to make me leave?

No.

But it feels unnecessary.

Some of my contractors and vendors prefer ACH payments, and I’d rather not pay extra just to send money electronically.

For a large bank like Chase, these small fees feel outdated.

I Don’t Use the Debit Card

I have a Chase business debit card, but I almost never use it.

My preference is using business credit cards for expenses because I like the rewards, protections, and tracking.

So for me, the debit card is not a meaningful part of the account.

If you prefer debit card spending, Chase does include one, but that’s just not how I run my business.

Chase vs PNC Business Checking

Before Chase, I used PNC Business Checking for about three years.

PNC worked fine for basic banking, but I didn’t love the technology.

The biggest issue for me was software connectivity. I wanted my business checking account to connect easily with the tools I used to manage my finances, and PNC didn’t perform as well there.

Chase has been better for my needs.

The app is better. The desktop experience is better. The integrations are better.

That’s why I switched, and I haven’t regretted it.

Chase vs Bluevine

I seriously considered switching from Chase to Bluevine.

The higher APY was appealing, especially compared with Chase’s near-zero checking rate.

But the onboarding process turned me off.

I received multiple calls and emails, and the platform felt like it was trying to sell me too many things before I had even started using the account.

I also had issues with my initial transfer. It was only a small deposit, but when something that basic didn’t work smoothly, it reduced my confidence.

I eventually closed the Bluevine account and stayed with Chase.

Bluevine may still be a good fit for some business owners, especially if APY is a top priority. But for me, Chase felt more trustworthy and reliable.

Would I Recommend Chase Business Complete Banking?

Yes.

I would recommend Chase Business Complete Banking to many small business owners, especially solopreneurs and service-based businesses.

I recommended it to my wife when she started her business, and she opened a Chase business checking account too.

That’s probably the strongest endorsement I can give.

If a friend asked me whether they should open Chase Business Complete Banking, I’d say yes, especially if they:

• Want a trusted bank
• Like having branch access available
• Use software like QuickBooks or Monarch Money
• Receive payments from multiple platforms
• Can avoid the monthly fee
• Want a simple, reliable business checking account

If they were brand new, had very little cash, and couldn’t avoid the monthly fee, I’d probably suggest comparing free business checking accounts too.

Should You Open a Chase Business Complete Banking Account?

If you’re looking for a reliable business checking account from a well-known bank, Chase Business Complete Banking is a strong choice.

It’s not the best account for earning interest.

It’s not the best account if you want to avoid every possible fee.

But it is a very good account if you want your business banking to be simple, dependable, and easy to connect with the rest of your financial life.

After seven years, I still use it as my primary business checking account.

You can view the current Chase Business Complete Banking offer here:

Frequently Asked Questions

Is Chase Business Complete Banking worth it?

For me, yes.

I’ve used Chase Business Complete Banking for seven years, and it has been reliable, easy to use, and excellent for software integrations.

The biggest downside is the low APY. If earning interest on your business checking balance is your top priority, you may want to compare online business checking accounts.

But if you want a dependable business checking account from a major bank, Chase is worth considering.

How do I avoid the Chase Business Complete Banking monthly fee?

I avoid the monthly fee by maintaining the required minimum daily balance and using other Chase business products.

Chase offers multiple ways to reduce the monthly service fee to $0, so check the current requirements before opening an account.

Does Chase Business Complete Banking work with QuickBooks?

Yes, in my experience, Chase works well with QuickBooks and other business software.

This was one of the main reasons I switched from PNC to Chase.

Is Chase Business Complete Banking good for freelancers?

Yes, I think Chase Business Complete Banking can be a good fit for freelancers.

The main question is whether you can avoid the monthly fee. If you can meet the fee waiver requirements, Chase offers a reliable and easy-to-use business checking account.

Is Chase Business Complete Banking good for solopreneurs?

Yes.

As a solopreneur, I’ve used Chase Business Complete Banking for seven years. It works well for receiving payments, paying contractors, transferring money, and connecting with business software.

Does Chase Business Complete Banking pay interest?

Chase Business Complete Banking does not offer a meaningful APY in my experience.

If you keep a lot of cash in your business, you may want to pair Chase with a separate high-yield business savings account.

Can you open Chase Business Complete Banking online?

Chase allows many business owners to open accounts online, though some may still prefer to visit a branch.

I opened mine in a branch, and my wife recently opened hers with help from a branch as well.

Either way, make sure you review the current bonus offer and account requirements before applying.

How Do You Open a Chase Business Complete Banking Account?

You can open a Chase Business Complete Banking account online or at a local branch. Chase frequently offers welcome bonuses for new business customers who meet certain deposit and activity requirements.

You can open a Chase Business Complete Banking account online or at a local branch. Chase frequently offers welcome bonuses for new business customers who meet certain deposit and activity requirements.

👉 View the Current Chase Business Complete Banking Bonus Offer

Final Thoughts

Chase Business Complete Banking isn’t perfect.

I wish the checking account paid a higher APY, the business savings rates were more competitive and the ACH fees disappeared.

If Chase improved those areas, I’d probably give the account a 10 out of 10 and stop looking at alternatives altogether.

But even with those complaints, I’ve stayed with Chase for seven years.

Why?

Because it works.

My deposits arrive, transfers go through, software stays connected and my business keeps moving.

For a business checking account, that’s exactly what I want.

If you’re ready to compare the current Chase offer and see whether it’s a good fit for your business, you can start here: