Chase is a national US bank offering business checking with branch access and card processing through Chase Payment Solutions, with same-day card deposits when the two are paired.
Best for
Businesses that handle cash and want a branch to bank it at, especially those that also take cards and can combine processing and checking at one bank.
Chase Payment Solutions offers flat-rate in-person card processing with no monthly fee, payment links and invoicing through QuickAccept, and same-day deposits when paired with a Chase business checking account.
Every fee we track, grouped by where it applies.
In-person terminal and tap-to-pay transactions.
In-person flat rate. Varies by plan tier; verify.
In-person plan $0/mo. E-commerce from $9.95/mo.
Online checkout and keyed-in card transactions.
Online rate. Keyed/invoicing 3.5% + 10c. Plan-dependent; verify.
In-person plan $0/mo. E-commerce from $9.95/mo.
Per incident. Verify in your agreement.
"For our basic pricing, all cards will cost the same. With custom pricing, fees may vary based on card type" (no specific Amex figure disclosed). Source: chase.com/business/payments/merchant-fees, read 2026-07-16.
Not published on chase.com.
No ETF on standard flat-rate accounts. Verify.
No paid faster-than-same-day card-settlement tier was found; same-day deposits (free, tied to a Chase business checking account) appear to be the fastest option Chase publishes for card processing.
Flat-rate processing fee generally not returned. Verify.
PCI compliance included standard; some sub-ISO accounts report fees. Verify.
No long-term contract on standard flat-rate. Verify for legacy Paymentech accounts.
Chase/WePay platform and Orbital virtual terminal.
Side-by-side with the closest alternatives by estimated cost.
Based on $20,000/mo card volume at a $40 average transaction, 70% in person and 30% online.
Chase Payment Solutions
$610.50/mo est.
Stripe
$614.50/mo est.
PayPal
$605/mo est.
Square
$659.50/mo est.
Business checking held directly by the bank, with branch access, mobile check deposit and free cash deposits at Chase ATMs, with each tier's monthly fee waived above a published balance.
Side-by-side with the closest alternatives by monthly fee.
Each account's published monthly fee, and the plan that fee belongs to. Where a fee can be waived, the condition is stated rather than applied. Interest is shown as the rate each account publishes, with its conditions, and never as a forecast of what you would earn.
Chase
$15/mo
Piermont Bank
$25/mo
Mercury
$0/mo
Relay
$0/mo
Every Chase card we compare, side by side. Approval and your rate are decided by the issuer.
Fees only, at 5 cardholders and no foreign spend: the annual fee spread monthly, plus any software charged per cardholder. Excludes interest.
Chase Ink Business Unlimited
$0/mo est.
Chase Ink Business Cash
$0/mo est.
Chase Ink Business Preferred
$7.92/mo est.
Chase Ink Business Premier
$16.25/mo est.
Chase Sapphire Reserve for Business
$66.25/mo est.
Cards, wallets, and other methods supported by Chase for US merchants.
Chase is a national US bank. It holds business checking deposits directly rather than through a partner bank, and it sells card processing to the same customers through its merchant services arm, Chase Payment Solutions.
Its self-serve business checking accounts each carry a monthly service fee that is waived once the account holds a published balance, and each tier measures that balance differently: the entry account tests a minimum daily ending balance on every business day, while the accounts above it use an average beginning day balance that can dip. The entry account can also be waived through card acceptance volume on Chase Payment Solutions or eligible business card spend. Every tier includes a free cash deposit allowance, cash paid in at a Chase ATM is free and unlimited, and electronic deposits, ACH, ATM activity and debit card purchases are unlimited and free. None of the checking accounts pays interest, incoming and outgoing wires are both charged on the entry account, and non-profits, multi-member LLCs and partnerships have to open in a branch.
Chase Payment Solutions offers flat-rate card processing for in-person and online sales, with no monthly fee on the in-person plan and native recurring billing. Pairing it with Chase's entry business checking account brings same-day deposits at no extra cost. Hardware is bought outright, the e-commerce plan carries a monthly fee, and standalone reviews of the processing product are mixed.
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