Head to head
Chase Business Complete Banking vs Relay
Both platforms are scored with the same methodology and the same category rubric. Nothing on this page is influenced by advertising.
45/100 | 60/100Higher score | |
|---|---|---|
| Category rank | #8 | #3 |
| Confidence | High confidence | High confidence |
| External Reputation | — | 82 |
| AI Authority | 31 | 29 |
| Web Authority | 54 | 68 |
| Expert Assessment | 57 | 54 |
| 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 | USD $30/month (Grow, 14-day trial) · free tier: Starter — $0/month with no time limit and no monthly maintenance fees: 20 checking accounts, 1.11% APY on savings, 1% credit card cash back, 50 credit and debit cards, unlimited users, invoicing, accounting integrations, built-in spend controls |
| Pricing model | Subscription | Freemium subscription (paid tiers) plus per-transaction fees |
| 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. | US small businesses at any size up to roughly $1M+ revenue that want to physically separate money across many checking accounts for Profit First or envelope budgeting, work with a bookkeeper on QuickBooks Online or Xero, and need spend controls across many cardholders — provided they maintain a second banking relationship for payroll and wires. |
| 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 cannot survive a multi-week freeze on operating capital, depend on high-volume or time-critical international wires, need point-of-sale functionality, require contractual support SLAs or a named account manager, want deposit insurance at the institution you bank with directly, or are choosing primarily on per-transaction cost. |
| Markets | SMB, Sole proprietors and owner-operated businesses, Mid-sized businesses (higher tiers) | SMB, Solopreneurs and startups, Small and medium teams, Large teams, Accountants and bookkeepers |
| 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.