Chase vs Relay

Chase is a national bank with good promotions for new customers. How does it compare to Relay? Read our comparison chart below.

Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

While Relay lets you open up to 20 individual business checking accounts and 50 debit cards at no extra charge. There's also free cash deposits and free mailed checks through the app. There's no monthly fee.

Compare Chase with Relay, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Chase	Relay
	Member FDIC
	Visit Site	Visit Site
	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review	SPECIAL OFFER No-Fee Business Checking - Learn More Read Relay Review
	Benefits and Features
Savings	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.	Earn up to 3.76% APY: Earn 1.75% APY on monthly average savings balances of less than $10,000, 2.75% APY on monthly average savings balances between $10,000 and $50,000, and 3.76% APY on monthly average savings balances of more than $50,000.
CD	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.	Up to 20 individual business checking accounts; no monthly fees; no overdraft fees
Monthly Fee		$0
APY		N/A
Minimum Deposit to Open		$0
Mobile App	iOS & Android
ACH Transfer Fee		$0
ATMs	15,000+ Chase ATMs	55,000+ AllPoint ATMs
Balance Requirement		None
Cash Deposit Fee		$0 for cash deposits at Allpoint ATMs
Customer Service	Automated service available 24/7	Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday
Incoming Wire Transfer Fee		$0
Locations	Over 4,700	Online only
Out of Network ATM Fee		Fee from ATM owner
Outgoing Wire Transfer Fee		$5 for domestic; $10 for international
Overdraft Fee		$0
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Fees
Pros & Cons	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states	Pros: Up to 20 checking accounts Up to 50 debit cards $0 monthly fee Earn interest with automated savings Cons: No paper checks
Bottom Line	National bank with good promotions for new customers... Read full review	One of the best online business banking accounts for large teams... Read full review
	Visit Site	Visit Site
	Chase First Banking Referral Program - Up to $500 Bonus	No-Fee Business Checking
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 08/26/2025.

No-Fee Business Checking

$0 monthly service fee
$0 minimum opening deposit
Open up to 20 individual business checking accounts
Earn up to 3% APY with automated savings
Issue up to 50 Visa® debit cards to your team

Banking services provided by Thread Bank, Member FDIC.

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Which is Better: Chase or Relay?

Still need help deciding which business is better? Read the in-depth reviews below. You may also be interested in comparing Chase or Bank of America.

In short: Relay's checking is excellent.

Articles on Chase

Chase Reviews

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

Chase Open Account

Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

Chase Business Checking Promotion

Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.