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Book Smart LLC

Sandy, UT, United States of America
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  • Bookkeeping

About Book Smart LLC

Bookkeeping Firm

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Bluevine is a financial technology company,
not a bank.

Deposits are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks .

  • No limit on number of transactions. However, checking accounts are subject to the deposit and withdrawal amount limits as set forth in the Bluevine Business Checking Account Agreement .
  • The national average and comparison are based on interest rates paid by U.S. depository institutions as calculated by the FDIC .
  • Draw requests are subject to review and approval. Once approved, get funds deposited in your bank account in as quickly as a few hours if you choose our bank wire option ($15). Or, choose our free ACH transfer option which typically gets funds deposited the next business day, although it may take up to three.
  1. Customers will earn 2.0% interest on total balances up to and including $250,000 only if they meet the monthly debit transaction or deposit requirements described in section M of the Account Agreement. No interest earned on balances over $250,000. Any interest accrued and payable for an Account or Sub-Account will be paid to your main Account. The national average and comparison are based on interest rates paid by U.S. depository institutions as calculated by the FDIC . ↵
  2. Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks . $3,000,000 in FDIC insurance is offered by multiplying the standard $250,000 FDIC coverage across multiple banks. For complete details, please visit https://bluevine.com/business-checking/fdic-protection. ↵
  3. Check payments sent from your Bluevine dashboard have a $1.50 fee per check. Same-day ACH payments have a fee of $10, and must be submitted by 1:15pm ET to arrive same-day. Outgoing wires have a fee of $15. International payments come with a fee of $25 USD per payment. For payments sent in foreign currencies, pay an additional 1.5% of payment amount as converted to USD. The only eligible funding method for international payments is Bluevine Business Checking accounts. Payments are sent out from 8am-5pm ET every business day. International payments are available to most businesses, subject to eligibility determined by Bluevine. Exceptions include businesses based in Nevada or in the categories of finance, insurance, or mining. Each payment with credit card transaction will have a 2.9% fee. Not all suppliers may accept credit card payments; for example, credit card payments to insurance providers, credit card providers, or court-ordered payments are currently not supported. American Express cards are not supported in this feature. Not all funding sources may be available for all payment methods. ↵
  4. Draw requests are subject to review and approval. Once approved, get funds deposited in your bank account in as quickly as a few hours if you choose our bank wire option ($15). Or, choose our free ACH transfer option which typically gets funds deposited the next business day, although it may take up to three. ↵
  5. No limit on number of transactions. However, checking accounts are subject to the deposit and withdrawal amount limits as set forth in the Bluevine Business Checking Account Agreement . ↵
  6. Customers will receive a Bluevine Business Debit Mastercard only for use with the main Bluevine Business Checking account. ↵
  7. Bluevine Premier customers will earn 4.25% annual percentage yield ("APY") on total Bluevine Business Checking balances up to $3,000,000 . No interest earned on balances over $3,000,000. Any interest accrued and payable for an account or sub-account will be paid to your main account. ↵
  8. Customers and Account Administrators are fully responsible for all activity and actions taken by any Additional User, as well as adherence to all terms and conditions. Bluevine and its partners are not responsible for any Additional User action or activity. ↵
  9. QuickBooks and QuickBooks Online are registered trademarks and service marks of Intuit Inc., displayed under license. Coastal Community Bank, Member FDIC is not affiliated with this product. ↵
  10. Customer and lending statistics include Paycheck Protection Program. ↵

Bluevine is a financial technology company, not a bank, Banking Services provided by Coastal Community Bank, Member FDIC. Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks . The Bluevine Business Debit Mastercard® is issued by Coastal Community Bank, Member FDIC pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. See the Coastal Community Bank Privacy Policy .

Mastercard, Mastercard Easy Savings, Mastercard Airport Concierge, Priceless Surprises and the circles design are registered trademarks and Mastercard ID Theft Protection is a trademark of Mastercard International Incorporated.

Application is subject to approval. No monthly or maintenance fees. Card Replacement Fees and Wire Transfer Fees may apply.

Banking Services for payments made via ACH or wire from the Bluevine Business Checking Account are provided by Coastal Community Bank, Member FDIC. Certain payment funds, including payments made by credit card, are temporarily held during payment processing by Silicon Valley Bank, a division of First-Citizens Bank & Trust Company. Money transmission services for International Payments are provided by a third party and are also subject to their applicable terms and conditions.

The Bluevine Line of Credit is issued by Celtic Bank. Applications are subject to credit approval. Rates, credit lines, and terms may vary based on your creditworthiness and are subject to change. Additional fees apply.

PPP loans are made by one or more approved U.S. Small Business Administration (SBA) lenders. Loan agreements will identify the issuing lender to small businesses at signing. Qualified applications will be submitted to the SBA as soon as possible. Bluevine does not guarantee that applications will be processed and submitted before PPP funds are no longer available. Approval and loan forgiveness are subject to your availability to meet government-set eligibility requirements.

Certain financing may be made or arranged pursuant to California Financing Law-License No. 6054789.

All other product names, logos, brands, trademarks, and registered trademarks are property of their respective owners. All company, product, and service names used in this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.

® 2023 Bluevine Inc. All Rights Reserved. “Bluevine” and the Bluevine logo are registered trademarks of Bluevine Inc.