Page 11 as an example: https://www.chase.com/content/dam/chase-ux/documents/personal/checking/biz-how-your-transaction-will-work.pdf
It’s pretty low comparatively but not usually free.
Cash has fees associated with it too when you have a business bank account. It’s probably not a as high but might be now that there is so much cashless.
Peak boomer is a state of mind
I’d assume that they’re different details and chains-of-command so each to their own.