Axos Basic Business Checking vs Chase Business Complete Banking: which one fits your business?
Side-by-side comparison of Axos Basic Business Checking and Chase Business Complete Banking — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Axos Basic Business Checking wins on our scorecard (7.7/10 vs 7/10).
| Scored on | Axos Basic Business Checking | Chase Business Complete Banking |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 6 |
| Customer support | 6 | 5 |
| Features | 7 | 8 |
| Monthly Maintenance Fee | $0 | — |
| Minimum Opening Deposit | $50 | — |
| Transaction Limit | 200 per month ($0.30 thereafter) | — |
| ATM Fees | Unlimited domestic reimbursements | — |
| 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 |
Axos Basic Business Checking in one paragraph
A rock-solid, zero-fee utility account for digital-only businesses that want the security of a direct bank relationship without the 'fintech' middleman.
Skip it if: Skip it if your business handles more than $3,000 in physical cash monthly or exceeds 200 transactions regularly.
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, Axos Basic Business Checking or Chase Business Complete Banking?
On our five-axis scorecard, Axos Basic Business Checking scores higher (7.7/10 vs 7/10). A rock-solid, zero-fee utility account for digital-only businesses that want the security of a direct bank relationship without the 'fintech' middleman.
Who should skip Axos Basic Business Checking?
Skip it if your business handles more than $3,000 in physical cash monthly or exceeds 200 transactions regularly.
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.