Product
Chase is a legacy bank with fees for basics like ACH, wires, overdrafts, and stop payments.
Rho gives you modern banking, cards, AP, expenses, and treasury in one platform with no platform fees.
Rho vs. Chase
Higher rewards, fewer fees, and a modern platform built for startups. Chase is a traditional bank; Rho is built for speed.
Why startups choose Rho over Chase
You get one modern platform, better ways to earn on cash, and faster human support so you stay focused on building—not managing bank fees.
Rates
Chase pays little on idle cash and layers fees across transfers and services. Rho offers competitive yield plus up to 1.5% cashback with no extra charges.
Service
Chase support relies on phone trees, branches, and slow ticket queues. Rho gives every customer fast human support via chat, email, or phone.
Compare Rho vs. Chase
See how Rho and Chase stack up on fees, support, and scale.
| Rho | Chase | |
Cashback | Up to 1.5% cashback | Up to 1.5% cashback |
Dedicated account manager | Every Rho client | Not included |
ACH fees | $0 | Fees apply for many ACH transactions |
FDIC coverage | Up to $75M via Rho Savings Account (with yield) | Standard $250K |
Service fees | No platform or account fees | Monthly service fees, overdraft fees, stop-payment fees |
AP & Expense automation | Included free | Not available; requires third-party tools |
| Rho | Chase |
Cashback | |
Up to 1.5% cashback | Up to 1.5% cashback |
Dedicated account manager | |
Every Rho client | Not included |
ACH fees | |
$0 | Fees apply for many ACH transactions |
FDIC coverage | |
Up to $75M via Rho Savings Account (with yield) | Standard $250K |
Service fees | |
No platform or account fees | Monthly service fees, overdraft fees, stop-payment fees |
AP & Expense automation | |
Included free | Not available; requires third-party tools |
Meet our customers
“It’s nice to feel so cared for.”
Atul Raghunathan, Founder & CRO
"Our accountants love them."
Landseer Enga & Anam Hira, Co-Founders
"They've scaled with us."
James Jiang, Co-founder & CEOStart here. Scale everywhere.
Rho is the startup banking platform that helps you earn more, move faster, and grow without switching tools.
Set up banking, treasury & cards fast
Open accounts, earn yield with Rho Treasury, issue Rho Cards with up to 1.5% cashback, and avoid the wire, ACH, and service fees common at Chase.
Dedicated support for founders
Every Rho customer gets direct access to fast human support. No phone trees, no branch visits, no ticket backlog.
Eliminate expense admin
Rho enforces policies, captures receipts, and codes transactions automatically so your finance team avoids manual work Chase doesn’t solve for.
Pay vendors without friction
Rho Bill Pay scans invoices with AI and processes payments with $0 ACH and domestic wire fees—unlike Chase’s extensive EFT fee schedule.
Close the books faster
Rho syncs enriched banking, card, and AP data straight into your ledger, reducing accounting cleanup that Chase’s manual systems create.
Set up banking, treasury & cards fast
Open accounts, earn yield with Rho Treasury, issue Rho Cards with up to 1.5% cashback, and avoid the wire, ACH, and service fees common at Chase.
Dedicated support for founders
Every Rho customer gets direct access to fast human support. No phone trees, no branch visits, no ticket backlog.
Eliminate expense admin
Rho enforces policies, captures receipts, and codes transactions automatically so your finance team avoids manual work Chase doesn’t solve for.
Pay vendors without friction
Rho Bill Pay scans invoices with AI and processes payments with $0 ACH and domestic wire fees—unlike Chase’s extensive EFT fee schedule.
Close the books faster
Rho syncs enriched banking, card, and AP data straight into your ledger, reducing accounting cleanup that Chase’s manual systems create.
Backed by our people, in your corner 24/7
We show up fast, solve what matters, and obsess over you winning.
FAQs
General
Rho charges $0 in monthly platform fees and $0 for ACH and domestic wires, whereas Chase charges monthly service fees and transaction-based fees. While Chase offers ways to waive its $15-$95 monthly service fees through high minimum balances, Rho includes its entire suite of AP automation, expense management, and banking features with no account minimums or hidden transaction costs.
Rho offers up to $75M in FDIC coverage through its network of over 400 FDIC-insured banks, whereas Chase provides the standard $250K limit.
Rho provides a dedicated human account manager to every client, while Chase does not include dedicated account managers and relies on phone trees and branch visits. Rho ensures that every business, regardless of size, has a direct point of contact for urgent wires and account issues.
Rho Treasury offers automated, competitive yield on idle cash with next-day liquidity, while Chase pays near-zero interest on most standard business checking accounts. Rho integrates treasury management directly into your operating flow, ensuring your cash earns a market-leading rate automatically.
Chase is a traditional bank that requires third-party software for automation, while Rho includes AI-powered Bill Pay and expense management for free. Rho’s platform automatically scans invoices, routes approvals, and syncs receipts directly to your ledger. Chase users must manually reconcile statements or pay for external tools like BILL or Expensify to achieve the same level of automation.
We’re ready
when you are.
