{"id":5116,"date":"2022-08-16T19:08:14","date_gmt":"2022-08-16T11:08:14","guid":{"rendered":"https:\/\/www.zhonghepack.com\/?p=5116"},"modified":"2023-01-14T13:55:02","modified_gmt":"2023-01-14T05:55:02","slug":"10-best-free-business-checking-accounts-for-2022","status":"publish","type":"post","link":"https:\/\/www.zhonghepack.com\/5116.html","title":{"rendered":"10 Best Free Business Checking Accounts for 2022"},"content":{"rendered":"<div id=\"toc\" style=\"background: #f9f9f9;border: 1px solid #aaa;margin-bottom: 1em;padding: 1em;width: 350px\">\n<p class=\"toctitle\" style=\"font-weight: 700;text-align: center\">Content<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">Are There Any Costs Involved in an International Money Transfer?<\/a><\/li>\n<li><a href=\"#toc-1\">Chase Bank Wire Transfer<\/a><\/li>\n<\/ul>\n<\/div>\n<p>Let's start with the two most common ways to carry out a money transfer, and define what they are - ACH and Wire Transfer. Contact our Customer Care team or visit our FAQ page for more information on how to transfer money to a bank account. If sending to a mobile wallet, you and your <a href=\"https:\/\/www.beaxy.com\/exchange\/eth-usd\/\">https:\/\/www.beaxy.com\/exchange\/eth-usd\/<\/a> receiver will get a confirmation alert via text notification when the money is delivered. Log in or Sign up your profile for free to transfer money from your bank account. You can verify your profile using your United States driver\u2019s license, passport or government-issued ID.<\/p>\n<p>Whether or not that money lands in the sender or the receiver\u2019s bank, it sure isn\u2019t added into the wire transfer. Yes, Chase Bank enables online applications so if you are a US-citizen living abroad, you should be able to open a new bank account with Chase provided you have the relevant details . If you\u2019re expecting a payment into your Chase account, you\u2019ll need to make sure the sender has the Chase SWIFT code. This code is unique to your bank, and helps to guide your payment to your account without unnecessary delays. Chase and PNC Bank both offer discounts for sending wires online yourself, without the assistance of a customer service representative. International wires typically take one to two business days if the wire is sent before the bank\u2019s deadline, according to Bank of America, but they could take longer. Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services.<\/p>\n<h2 id=\"toc-0\">Are There Any Costs Involved in an International Money Transfer?<\/h2>\n<p>Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. Here is a list of our partners and here's how we make money. We believe everyone should be able to make financial decisions with confidence. We\u2019re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.<\/p>\n<p>The sender's bank will charge the sender a fee for the payment orders, while the beneficiary will be responsible for any intermediary bank fees . The amount transferred is reduced by the fees charged by the intermediary bank. But you cant send money internationally with Google Wallet. You can get an up-to-date report on your external transfer requests over the past 180 days on the Account activity page. Each transfer request is displayed along with the date and status of the transfer. You can also confirm the completion of the transfer by viewing your account activity with your external financial institution after scheduled completion of your request. For other accounts, we will ask you to complete a trial deposit verification procedure, which typically takes two to three business days.<\/p>\n<h2 id=\"toc-1\">Chase Bank Wire Transfer<\/h2>\n<p>As long as you use your bank account and send the money to a friend , this should be free. Processes electronic transfer funds via the Automated Clearing House secure network. This is the same network used by the Federal  Reserve to clear checks between financial institutions. Scammers often target consumers through wire transfers for this reason, so it is important to only conduct wire transfers when you\u2019re certain of the receiving party\u2019s intention.<\/p>\n<p>We narrowed down our rankings by only considering checking accounts that have bonuses available to new applicants. According to an analysis by MyBankTracker, the average fee for an incoming domestic wire at a credit union was $0.50. The wire transfers will be made under the currency exchange rate set forth by the bank, which is likely to be higher than the actual exchange rate. Citibank also waives transfer fees for customers with Citigold Private Client accounts, and discounted wire transfer rates for Citi Priority customers. To receive an international wire transfer at Wells Fargo, you may need additional routing instructions, so you\u2019ll want to double-check with your bank first. A wire transfer can be harder to undo than writing a check or spending a bill via charge card. So, first thing you need to know whenever you\u2019re prepared to wire money is you\u2019re 100per cent certain you don\u2019t mind the cash leaving your account \u2014 quickly, and forever. Wiring cash takes between a few momemts to a couple days, but once you\u2019ve started the process, you must assume that the cash is finished.<\/p>\n<p>Every day, get fresh ideas on how to save and make money and achieve your financial goals. Our in-house research team and on-site financial experts work together to create content that\u2019s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information  we provide is correct. You can learn more about GOBankingRates\u2019 processes and standards in our editorial policy. This link is being provided for informational purposes only and is not an endorsement of these products or services. Houston Federal Credit Union cannot attest to the accuracy or information provided by this site. Requests received after Cut-off Time will be processed the next business day. Like many other digital-only options on this list, Relay currently doesn\u2019t accept cash deposits or offer lending products. Mercury\u2019s new product is its Treasury account, which you can request once you have $250,000 in your Mercury accounts. Money in the Treasury account can earn up to 1.454% APY, with rates changing weekly.<\/p>\n<div style=\"justify-content: center\">\n<blockquote class=\"twitter-tweet\">\n<p lang=\"en\" dir=\"ltr\">Just spent a $45 fee for an International Wire Transfer.. SHAME ON YOU <a href=\"https:\/\/twitter.com\/hashtag\/Chase?src=hash&amp;ref_src=twsrc%5Etfw\">#Chase<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/JPMorgan?src=hash&amp;ref_src=twsrc%5Etfw\">#JPMorgan<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/robbery?src=hash&amp;ref_src=twsrc%5Etfw\">#robbery<\/a><\/p>\n<p>&mdash; valentinaeffe (@valentinaeffe) <a href=\"https:\/\/twitter.com\/valentinaeffe\/status\/317343237968900096?ref_src=twsrc%5Etfw\">March 28, 2013<\/a><\/p><\/blockquote>\n<\/div>\n<p>We\u2019ll include a transaction number you can use later to refer to this wire. Click \u201cAuthorize Wire.\u201d When you click this button, you agree to the Wire Agreement terms and conditions. Chase Bank buys and sells foreign currency at the mid-market exchange rate in the foreign exchange market, which is the exchange rate you\u2019ll find on any given day via Google or Reuters. However, like most banks, Chase sells foreign currency to customers with a margin added onto the exchange rate. The exact costs of sending a Chase business transfer can vary based on the type of account you have, and the value of payments you make. Some accounts also come with free transfers - although there may be a limit to the number of free payments you can make or receive. All business accounts offer ways to send and receive international transfers - but the terms and fees do vary between accounts. Banks typically charge for outgoing and incoming wire transfers. Wire transfers are a secure and reliable way to send money to international bank accounts. There are no limits to how much money you can receive through Zelle.<\/p>\n<h2 id=\"toc-3\">JPMorgan Chase Sites<\/h2>\n<p>These instructions can open the door to your beneficiary's bank or the intermediary bank levying further fees from you long after the transfer has been sent. Get a mortgage, low down payment mortgage, jumbo mortgage or refinance your homewith Chase. In our Learning Center, you can see today's mortgage ratesand calculate what you can afford with ourmortgage calculatorbefore applying for a mortgage. Not all products and services described are offered at all locations and may differ among different geographic locations. Instead of writing checks, you can purchase money orders at Publix or Walmart and use them to pay suspicious merchants. Unlike checks, buying a money order doesn\u2019t carry your bank details. Also, the Federal Reserve banks\u2019 E-payment directory maintains a database of ACH routing numbers for all banks. You can search their database for your Chase routing number by bank name or state.<\/p>\n<ul>\n<li>Tedious \u2013 Bank-to-bank transfers are often easier than wiring money and require less information.<\/li>\n<li>CHIPS) for net settlement, which processes multiple transactions as part of a batch process.<\/li>\n<li>Some banks allow money transfers up to $10,000 per month, and a few even as high as $25,000 a month.<\/li>\n<\/ul>\n<p>Keep in mind, though, that many financial institutions charge wire transfer fees. When you\u2019re transferring money, carefully consider your options. An alternative, like a payment  app, may allow you to send or receive money at no charge \u2014 and keep a little more money in your pocket. Because international wire transfers are more complicated than domestic ones.<\/p>\n<p>They\u2019re notorious for approaching new methods and technologies with caution, even if it could improve their customers\u2019 experience, and ultimately banking efficiency. Either way, banks generally charge a fee to make this exchange, which adds onto the total cost of your wire. The receiving financial institution in another country exchanges the funds when they arrive. Though that might seem a bit off-the-wall, consider the fact that every bank charges a different service fee to offer the exact same service. Or, that fintech and other finance companies don\u2019t charge service fees at all. Unfortunately, many US banks haven\u2019t caught on to this development, even though these online services have been around for a while. Once you\u2019ve got your account set up, transferring money is an easy process.<\/p>\n<div style=\"justify-content: center\">\n<blockquote class=\"twitter-tweet\">\n<p lang=\"en\" dir=\"ltr\"><a href=\"https:\/\/twitter.com\/Chrimes21?ref_src=twsrc%5Etfw\">@Chrimes21<\/a> 2\/2 international wire transfer fee is $40 if initiated via Chase Online and $45 if sent at a branch or by phone. ^TW<\/p>\n<p>&mdash; Chase Support (@ChaseSupport) <a href=\"https:\/\/twitter.com\/ChaseSupport\/status\/475984749455220736?ref_src=twsrc%5Etfw\">June 9, 2014<\/a><\/p><\/blockquote>\n<\/div>\n<p>You\u2019ll have until the end of the business day\/cutoff time to transfer or deposit enough money to avoid an Insufficient Funds Fee on these transactions. There\u2019s a three-per-day maximum for these fees (totaling $102), and they don\u2019t apply to withdrawals made at an ATM. The Chase Total Checking\u00ae account offers a $225 bonus for new customers and a top-rated mobile app that makes banking easy. With both physical and online banking options, you can tailor your experience to your needs. Chase Total Checking ranks on our list of best checking account bonuses of 2021 because, in addition to the signing bonus, there is no minimum balance requirement to open a new account. This is noteworthy because the fee for foreign outgoing wire transfers sent in U.S. dollars is not the same as transferring money in foreign currency. Due to the extremely high speed of these transactions, wire transfer fees tend to be much greater than any other money transfer method. For this step you\u2019ll need to know the recipient\u2019s bank routing number for wiring money domestically, or their International Bank Account Number for an international wire transfer. If you do not know this information you can use the ABA\/SWIFT Lookup Guide provided through Chase. If you do notice an error, contact your bank or wire transfer service immediately to see if they can still help you make an adjustment or process a cancellation.<br \/>\n<img decoding=\"async\" class='aligncenter' style='margin-left:auto;margin-right:auto' src=\"https:\/\/www.beaxy.com\/images\/reused\/crypto-icons\/beam.webp\" width=\"306px\" alt=\"international wire transfer fee chase\" \/><br \/>\nWe may mention or include reviews of their products, at times, but it does not affect our recommendations, which are completely based on the research and work of  our editorial team. We are not contractually obligated in any way to offer positive or recommendatory reviews of their services. Read more about <a href=\"https:\/\/www.beaxy.com\/glossary\/\">vapourware encrypt<\/a> here. Essentially, all of the wire transfer methods will provide you with the same service -- the deciding factor here will be accessibility and the cost. This type of transfer is commonly used to send money to family members in foreign countries.<\/p>\n<div>\n<div>\n<h2>How do I avoid a wire transfer fee Chase?<\/h2>\n<\/div>\n<div>\n<div>\n<p>Chase Private Client Checking account holders do not pay a fee for incoming or outgoing wire transfers. Chase Private Client Savings account holders do not pay a fee for incoming or outgoing wire transfers. Chase Premier Savings account holders do not pay a fee for incoming wire transfers.<\/p>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Content Are There Any Costs Involved in an Internationa &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zhonghepack.com\/5116.html\"> <span class=\"screen-reader-text\">10 Best Free Business Checking Accounts for 2022<\/span> \u67e5\u770b\u5168\u6587 &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[101],"tags":[],"class_list":["post-5116","post","type-post","status-publish","format-standard","hentry","category-bitcoin-news"],"_links":{"self":[{"href":"https:\/\/www.zhonghepack.com\/wp-json\/wp\/v2\/posts\/5116"}],"collection":[{"href":"https:\/\/www.zhonghepack.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zhonghepack.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zhonghepack.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zhonghepack.com\/wp-json\/wp\/v2\/comments?post=5116"}],"version-history":[{"count":0,"href":"https:\/\/www.zhonghepack.com\/wp-json\/wp\/v2\/posts\/5116\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.zhonghepack.com\/wp-json\/wp\/v2\/media?parent=5116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zhonghepack.com\/wp-json\/wp\/v2\/categories?post=5116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zhonghepack.com\/wp-json\/wp\/v2\/tags?post=5116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}