Head to head
Chase Business Complete Banking vs Novo
Both platforms are scored with the same methodology and the same category rubric. Nothing on this page is influenced by advertising.
45/100 | 55/100Higher score | |
|---|---|---|
| Category rank | #8 | #6 |
| Confidence | High confidence | High confidence |
| External Reputation | — | 74 |
| AI Authority | 31 | 29 |
| Web Authority | 54 | 63 |
| Expert Assessment | 57 | 49 |
| TOP10 User Score | — | — |
| Pricing | $15/month (Chase Business Complete Banking®), or $0 with any qualifying waiver · free tier: None as such — the $15 monthly service fee is waived in a statement period by any one of: $2,000 minimum daily ending balance; $2,000 in eligible Chase QuickAccept/Chase Payment Solutions deposits; $2,000 in eligible Chase for Business credit card purchases; a linked Chase Private Client Checking, JPMorgan Classic Checking or Private Client Checking Plus account; or meeting Chase Military Banking requirements | $0/month · free tier: Full business checking account with $0 monthly maintenance fee, no minimum balance, $0 standard ACH, and free invoicing, bookkeeping and reserve accounts |
| Pricing model | Subscription | Freemium |
| Best for | US small businesses with a physical or hybrid presence that already accept cards, handle modest cash, value branch access, and can reliably hit one of the $2,000 waiver triggers so the effective cost is $0. | Digital-first, low-cash-volume US small businesses — freelancers, consultants, agencies and e-commerce sellers — that want free checking plus invoicing in one place, keep balances well under $250,000, and maintain a second banking relationship as a backstop. |
| Avoid if | You are a high-volume cash business that will exceed $5,000/month in deposits, need more than ~20 banker-assisted transactions monthly, require multi-currency or international operations, cannot hit any waiver and would simply pay $180/year, or operate in a sector prone to compliance de-risking. | You handle cash (restaurants, salons, retail, trades), cannot survive a multi-week loss of access to operating funds, hold more than $250,000, need heavy or cheaply priced wires, or want Novo as your only banking relationship. |
| Markets | SMB, Sole proprietors and owner-operated businesses, Mid-sized businesses (higher tiers) | SMB, Freelancers and sole proprietors, E-commerce sellers, Professional services |
| Founded | — | — |
| Headquarters | New York, NY, United States | — |
A higher TOP SCORE means more of the evidence favours that platform on this methodology — it is not a recommendation, and it does not account for your specific requirements. Advertisers are never declared the winner of a comparison.