Chase Business Complete Banking Business Checking Review

Best for Brick and Mortar Fans

While modern banking is increasingly focused on internet and app experiences, there are some who prefer the ability to simply walk into a bank and speak with a live human being. This is not to suggest that Chase is running some kind of throwback Luddite operation lit by whale oil lanterns--the bank sports the same full range of recognizable, modern, online tools as its competitors. You can open an account quickly and easily online, too. But with more than 4,700 branches in 29 states and the District of Columbia, there’s a good chance that if you’re reading this, you’re one of the 80% of Americans with a Chase bank close by in your state. That's great for business owners who appreciate a more personal touch and customized advice from a banking professional.

Chase gets the highest marks for customer service on Consumer Reports of any of the megabanks--though it should be noted that smaller, local banks consistently score higher in terms of customer service than larger banks. The major trade off between big banks and local options is between the technological and security resources that come with a large institution and the personal touch that you get from your friendly neighborhood banker. If you prefer going local, by all means do so. Obviously we haven’t investigated every small bank in every municipality in the country, so make sure to educate yourself before shopping around.

Chase Business Complete Checking comes with a $15 monthly fee, which is on the lower end of the price spectrum, with various ways to waive. Plus, you’ll have access to over 16,000 Chase ATMs throughout the country. Bear in mind there is a $3 non-Chase ATM fee, and an insufficient funds fee of $34 (though there are several ways to waive the latter). The account stands out for an optional feature, called QuickAccept^SM, which allows customers to accept debit and credit card payments without a separate payment app. The feature is available for a one-time fee of $49.95. Per-transaction fees also apply and vary by type of payment.