Choosing a business banking partner is a big decision—especially when you want your money to work harder, your operations to run smoother, and your fees to stay low. Holdings and Chase Business Complete Banking represent two very different approaches: one is a modern, all-in-one digital platform built for SMBs, the other is a national banking giant with a vast branch network and a long history of serving businesses. Here’s how they compare, who each is best for, and how Holdings stacks up against other top business banking competitors.
Quick Comparison Table
Feature | Holdings | Chase Business Complete Banking |
|---|---|---|
Monthly Fees | None | $15 (waivable with $2,000 balance or activity) |
Interest/APY | Tiered: up to 3.0% APY for large balances | None |
Transactions | Unlimited free ACH and wire transfers | Unlimited debit/ATM, wire fees may apply |
Cash Deposits | Unlimited free at 55,000+ Allpoint+ ATMs | Up to $5,000/month free, then $2.50 per $1,000 |
Accounting Integration | Built-in, automated, plus QuickBooks integration | Not integrated |
Invoicing & Bill Pay | Unlimited, included | Bill pay included; no built-in invoicing |
Branch Access | Digital-first, nationwide ATM network | 4,700+ branches, 15,000+ ATMs |
Merchant Services | Integrated invoicing, payments, and bill pay | Chase QuickAccept, business credit cards |
Ideal For | SMBs, digital-first, automation-focused | Businesses needing in-person banking, cash |
What Makes Holdings Stand Out?
Truly Fee-Free: No monthly fees, no transaction fees, no wire/ACH fees, and no minimum balance requirements—ever.
High-Yield, Tiered APY: Earn up to 3.0% APY on large balances, so your cash actually grows.
All-in-One Platform: Banking, accounting, invoicing, bill pay, and even optional full-service bookkeeping—no more juggling disconnected tools.
Unlimited Transactions: No caps or surprise fees for moving your money.
Automation for Busy Owners: Automated reporting, reconciliation, and financial management built right in.
Cash-Friendly: Unlimited free cash deposits at 55,000+ Allpoint+ ATMs nationwide—no extra hoops or hidden fees.
Modern Experience: 100% digital onboarding, easy integrations, and a platform that scales with your business.
Where Chase Shines
Branch & ATM Network: 4,700+ branches and 15,000+ ATMs across the U.S.—ideal for businesses that need in-person service or frequent cash deposits.
Waivable Monthly Fee: $15 monthly fee can be waived with a $2,000 minimum daily balance, $2,000 in eligible card purchases, or $2,000 in Chase Merchant Services deposits.
Full-Service Banking: Access to business loans, lines of credit, merchant services, payroll, and more.
Business Credit Cards: Chase Ink® Business cards are among the best for rewards and business perks.
QuickAccept Payment Processing: Accept card payments with same-day deposits and no hidden fees.
Comprehensive Services: From fraud protection to merchant services, Chase is a one-stop shop for established businesses with complex needs.
Who Should Choose Which?
Holdings is best for:
SMBs and entrepreneurs who want to maximize interest on their deposits with tiered rates up to 3% APY
Businesses seeking a truly fee-free, all-in-one banking and accounting solution
Companies that want unlimited free ACH and wire transfers
Owners who value automation, integrated invoicing, and bill pay
Teams that want to save time and reduce manual financial work
Businesses that want unlimited free cash deposits at a large ATM network
Chase is best for:
Businesses that need in-person banking, frequent cash deposits, or access to a large branch network
Companies that require business loans, lines of credit, or merchant services
Owners who can easily meet minimum balance or activity requirements to waive monthly fees
Entrepreneurs who want a full-service, traditional banking relationship and top-tier business credit cards
What About Fees and Limits?
Holdings: No monthly fees, no transaction fees, no wire/ACH fees, unlimited free money movement, and no minimum balance requirements. Optional subscription for advanced accounting and bookkeeping.
Chase: $15 monthly fee (waivable), up to $5,000/month free cash deposits (then $2.50 per $1,000), wire transfer fees may apply, and additional fees for some services.
Compare Holdings to Other Top Business Banks
Curious how Holdings stacks up against other leading business banking solutions? Explore these in-depth comparisons:
The Bottom Line
Both Holdings and Chase offer robust business banking—but they serve different needs. Holdings is ideal for SMBs that want a truly fee-free, high-yield, all-in-one banking and accounting solution with unlimited transactions, automation, and unlimited free cash deposits at a massive ATM network. Chase is a strong choice for businesses that need in-person service, frequent cash deposits, or a full suite of traditional banking products and business credit cards.
Ready to see how Holdings can help your business grow? Explore our full suite of comparisons above, or get started today