Chase Business Complete Banking vs Relay: which one fits your business?
Side-by-side comparison of Chase Business Complete Banking and Relay — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Relay wins on our scorecard (8.4/10 vs 7/10).
| Scored on | Chase Business Complete Banking | Relay |
|---|---|---|
| Right fit for small biz | 9 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 6 | 9 |
| Customer support | 5 | 6 |
| Features | 8 | 9 |
| 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 | — |
| Monthly maintenance | — | $0 |
| Domestic ACH | — | $0 |
| Incoming Wires | — | $0 |
| Outgoing Domestic Wire | — | $5 (Free with Pro) |
| Relay Pro Subscription | — | $30/mo |
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.
Relay in one paragraph
Relay is the premier choice for small business owners using the Profit First method who need robust sub-account partitioning without the headache of monthly fees.
Skip it if: You handle more than $2,000 in physical cash deposits per month or require immediate in-person teller support.
Frequently asked questions
Which is better, Chase Business Complete Banking or Relay?
On our five-axis scorecard, Relay scores higher (8.4/10 vs 7/10). Relay is the premier choice for small business owners using the Profit First method who need robust sub-account partitioning without the headache of monthly fees.
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.
Who should skip Relay?
You handle more than $2,000 in physical cash deposits per month or require immediate in-person teller support.