American Express Business Checking vs Chase Business Complete Banking: which one fits your business?
Side-by-side comparison of American Express Business Checking and Chase Business Complete Banking — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Business Checking wins on our scorecard (7.7/10 vs 7/10).
| Scored on | American Express Business Checking | Chase Business Complete Banking |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 6 |
| Customer support | 7 | 5 |
| Features | 7 | 8 |
| Monthly Maintenance Fee | $0 | — |
| Domestic ACH | $0 | — |
| Incoming Wires | $0 | — |
| Minimum Opening Deposit | $0 | — |
| Monthly Service Fee | — | $15 (waivable) |
| Cash Deposit Limit | — | $5,000 per month |
| Domestic Incoming Wire | — | $15 ($0 if initiated via digital) |
| Domestic Outgoing Wire | — | $25 - $40 |
| Overdraft Fee | — | $34 per item |
American Express Business Checking in one paragraph
A powerhouse for existing Amex loyalists who want to earn passive interest on their cash without the headache of monthly maintenance fees.
Skip it if: You need to deposit physical cash regularly or require Zelle to pay your contractors.
Chase Business Complete Banking in one paragraph
A powerhouse all-in-one account for brick-and-mortar businesses that can leverage built-in credit card processing to kill the monthly fee.
Skip it if: You are a solo freelancer who never handles cash and wants a high-interest rate on your operating capital.
Frequently asked questions
Which is better, American Express Business Checking or Chase Business Complete Banking?
On our five-axis scorecard, American Express Business Checking scores higher (7.7/10 vs 7/10). A powerhouse for existing Amex loyalists who want to earn passive interest on their cash without the headache of monthly maintenance fees.
Who should skip American Express Business Checking?
You need to deposit physical cash regularly or require Zelle to pay your contractors.
Who should skip Chase Business Complete Banking?
You are a solo freelancer who never handles cash and wants a high-interest rate on your operating capital.