NONSTOP LIMOUSINE LLC
JPMorgan Chase · Verona, NJ · August 1–31, 2026
Beginning balance
$4,429.80
Total credits
$39,890.82
46 deposits
Total debits
$30,169.00
55 ATM/debit + 25 electronic withdrawals
Ending balance
$14,013.90
38 separate fee line items this month, plus a $15 monthly service fee the account did not qualify to waive.
What jumps out
Read it the way a reviewer would
Zelle running both directions
Multiple Zelle payments in from named individuals (drivers or affiliates) and multiple Zelle payments out to other individuals. That is a peer-to-peer payment pattern sitting inside a business account, not clean merchant processing.
Real Square processing underneath
Recurring 'Real Time Transfer... From Square' deposits appear throughout the month — this is genuine card processing revenue, and it is the part of this file worth keeping.
Negative daily balance on record
The bank's own fee-waiver disclosure states the lowest daily ending balance was -$1,060.57 this period. That is a real negative day, not a rounding artifact.
Heavy foreign-currency personal spend
Numerous Turkish Lira and Euro transactions, plus several 'Wise' international transfers, point to personal or travel spending running through the business account alongside the limousine operations.
38 fee line items
Foreign exchange adjustment fees, non-Chase ATM fees, and the monthly service fee stack up fast on a thin account — a sign the balance is being run too close to the edge.
Advisor's read
Legitimate processing revenue, buried under account noise
There is a real, fundable business inside this statement — the Square deposits show consistent card volume. But the account carries a negative day, heavy two-way Zelle traffic that reads as personal payment activity, and nearly 40 small fees in a single month. None of that is how a clean file looks, even when the underlying business is real.
The call
Build — separate personal and business spend, stop the negative days, and let two to three clean months of Square-driven deposits prove the real number.