You built your business,
we help it grow.

Our streamlined checking, lending, and
bill pay make it easy to run your business
with confidence.

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Choose the best business banking products

Earn 2.0% interest with Bluevine Business Checking.

Eligible customers earn 50x the national average interest rate on balances up to and including $100,000.^BVSUP-00005

Start application

One-stop business banking
that’s right for you.

High-yield checking with no monthly fees.

With no monthly fees or minimum balance, unlimited transactions, and industry-leading interest, our Business Checking account checks all the boxes.^BVSUP-00043

Explore Business Checking

Flexible funding to fuel your growth.

Access a revolving line of credit, draw funds on demand, and only pay for what you use.^BVSUP-00009 Our Line of Credit is designed for one thing: your growth.

Explore Business Lending

Bill Pay that lets you maximize cashflow.

Schedule one-time or recurring payments with ease, and pay most bills by credit card—even to vendors that don’t accept credit.^BVSUP-00019 We make paying bills simple and rewarding.

Explore Bill Pay

Bluevine is a financial technology company, not a bank.

Security you can bank on.

The safety of your money and information is critical. With Bluevine, your account and personal information are secured with advanced authentication and data encryption, so you can rest easy knowing you’re protected.

Deposits are FDIC-insured up to $250,000 per depositor through
Coastal Community Bank,
Member FDIC

Business and personal
information is protected with
leading data encryption
technology

Phone-enabled login with two-
factor authentication

Set debit card spending
notifications, and lock it instantly
from your dashboard

A business checking account
built to save you time and
money.

No monthly fees

Don’t worry about monthly and overdraft fees, or minimum balance requirements.

2.0% interest for eligible customers

Earn 50x the national average on balances up to and including $100,000 if you meet a monthly activity requirement.

Unlimited transactions

Make deposits and payments on your terms, without limits on your number of transactions.

Multiple accounts for better budgeting

Organize your finances the way you want by adding up to five sub-accounts with designated account numbers.^BVSUP-00053

Explore Business Checking

Get business line of credit to grow your small business

A fast and flexible line of credit, ready to help your business
thrive.

Funds available on demand^BVSUP-00009

Draw the funds you need with the click of a button.

Revolving line of credit

Your credit line refills as you make repayments.

Only pay for what you use

No fees for opening, prepayment, or account closure.

Quick credit decisions

Find out if you’re approved in just a few minutes.

Explore Business Lending

Manage your business payments through your phone

Sophisticated bill pay designed to streamline business payments.

Keep all your bills in one place

Connect to QuickBooks Online^BVSUP-00056 to automatically sync bills, bill transactions, payee information, and categories to make reconciliation a breeze. You can also easily forward bills to your dedicated Bluevine inbox and instantly see them in your dashboard.^BVSUP-00062

Don’t worry about late payments

Make and schedule one-time or recurring payments with ease. Pick a date and know when your payment will arrive.

Pay by credit card, free up cash

Get up to an additional 45 days^BVSUP-00046 to pay off your bills when you pay by credit card, even if your vendors don’t accept credit. Choose how vendors receive payment: via wire, free ACH, or check.^BVSUP-00046 Plus, you can earn rewards points with your card.^BVSUP-00036

Explore Bill Pay

“As a third generation entrepreneur, I know firsthand the challenges small business owners face. That’s why we started Bluevine, to make financial services accessible and easy for small businesses.”

– Eyal Lifshitz, Bluevine Founder & CEO

About us

With you at every stage
of your journey

Explore tips and resources for everything from setup to account
management and more.

Business Checking

What’s required to apply for a Business Checking account?

Applying for Bluevine Business Checking is fast, easy, and secure—whether you’re a sole proprietorship...

Business Checking

Streamline transactions by connecting financial apps.

With Business Checking from Bluevine, you can connect your account to your favorite business tools...

Business Loans

Make the most of your Bluevine Line of Credit

Follow the tips in this guide to help keep your credit line active and make the most of your funds.

Business Checking

Setting up your Bluevine account

Learn the basics of getting your account set up and ready to go...

Business Checking

How you can earn 2.0% interest

See how you can earn 50x the national average when you meet a monthly activity goal...

Business Checking

Funding and payments

Join thousands of small businesses already enjoying Bluevine’s many benefits beyond checking...

Business Checking

Getting started with your Bluevine business debit card.

Choose from three easy ways to activate your Bluevine Business Debit Mastercard®, then add funds to your account so you can start using it.

“Bluevine’s ease and flexibility are a breath of fresh air. From the application process to features like automated payments, it’s clear how thoughtful Bluevine is about business owners and their needs.”

- Nashira L, Breaking Cycles

Read the story

See why our customers love Bluevine.

2013 Founded

450K+ Customers^BVSUP-00052

$13B+ Loans delivered^BVSUP-00052

$600M+ On deposit

A+ Rating BBB

Ready to apply?

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Want to learn more?
Explore our Resources and Guides.

No limit on number of transactions. However, all accounts are subject to the aggregated monthly deposit and withdrawal amount limits of the Account Agreement.
The national average and comparison are based on interest rates paid by U.S. depository institutions as calculated by the FDIC.
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.

Non-employers include self-employed individuals without employees.
Small businesses in the Food and Accommodation industry (NAICS 72) and other eligible organizations may qualify for a PPP Second Draw if they have over 300 employees.
Businesses in the Food and Accommodation industry (NAICS 72) are entitled to receive up to 3.5x the average payroll costs on a Second PPP Draw.
Bluevine charges a $2.50 fee for ATM transactions outside of the MoneyPass® network. Additional third-party ATM fees may vary by ATM operator.
Customers will earn 2.0% interest on total balances up to and including $100,000 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 $100,000. Any interest accrued and payable for an Account or Sub-Account will be paid to your main Account.
Based on user testing.
The national average and comparison are based on interest rates paid by U.S. depository institutions as calculated by the FDIC.
For businesses organized as a limited liability company or corporation, we do not perform a hard credit pull at any point in our process, which means your credit score will not be impacted. For businesses organized as sole proprietors or general partnerships, we will only perform a hard credit pull after you receive and accept your offer.
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.
The rate is a simple interest rate calculated from total repayments over 26 weeks.
Applications are subject to approval. Approved customers who apply for a Bluevine Flex Line of Credit and draw $5,000 or more within 14 days of approval will receive a $100 Tango gift card. Bluevine Flex Line of Credit is issued by Celtic Bank, a Utah- chartered Industrial Bank, Member FDIC. Please allow at least four weeks to receive your gift card via email if you qualify. One gift card per eligible participant. Gift cards are non-exchangeable and non-returnable. This offer is single-use and non-transferable. Bluevine reserves the right to cancel the promotion anytime. Funding subject to credit approval. Other terms and conditions may apply. Inquire for more details.
For borrowers with loans of $150,000 or less, these documents will not be required at the time of application. These or additional documents will be required either before or during your loan forgiveness application.
Businesses with employees are eligible to apply for up to 2.5x average monthly payroll costs. Businesses in the Food and Accommodation industry (NAICS 72) are eligible to receive up to 3.5x the average monthly payroll costs on a Second PPP Draw.
Some exceptions may apply. Please review our guide for more information.
Subject to the terms and conditions of your credit card provider.
In the event your business is approved for a line of credit, and, prior to funding, the business receives an approved offer from a competing non-bank lender at a lower rate to that offered by Bluevine, Bluevine will offer the same or lower rate or Bluevine will pay your business five hundred dollars ($500). One gift card will be allowed per eligible participant. This promotion may not be combined with any other offers. Gift cards are non-exchangeable and non-returnable. Please allow at least four weeks to receive your gift card via email if you qualify. Bluevine reserves the right to cancel the promotion anytime. To be eligible for the Price Guarantee, the competing agreement must be for equivalent terms as those provided by Bluevine (e.g. interest rate, loan amount, origination fees, number of installments, repayment terms, collateral or other security, and no other materially different terms). Bluevine will determine in its sole discretion whether all material terms are equivalent. Your business must submit written proof of an approved agreement with competing non-bank lender prior to funding of the Bluevine line of credit and successfully complete its registration with Bluevine to be eligible for the $500 payment. The Price Guarantee does not apply to offers dated prior to the date of this mailing. Other terms and conditions apply. One gift card will be allowed per eligible participant. This promotion may not be combined with any other offers. Gift cards are non-exchangeable and non-returnable. Please allow at least four weeks to receive your gift card via email if you qualify. Bluevine reserves the right to cancel the promotion anytime.
On our best rates, LIBOR rate will be applied.
The content provided will be for educational purposes only and should not be construed as professional advice and/or a replacement thereof.
Each Bill Pay 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.
Funding applications are subject to credit approval. Rates and terms may vary based on your creditworthiness and are subject to change.
Discounts based on referral codes refer to the weekly or monthly interest rates for Line of Credit customers, and weekly interest rate for Term Loan customers. The offer does not apply to Invoice Factoring customers. Offer available to first-time clients only.
For customers who received their PPP through Cross River Bank (CRB), they will contact you regarding loan forgiveness.
Bluevine. "Survey: Coronavirus Impact on Small Businesses." (2020): www.bluevine.com/coronavirus-business-impact-survey/ March 26, 2020
Several exemptions apply if a business did reduce headcount or wages. Read our guide on those exemptions for more information.
In order to qualify for the gift card, the Referred client must draw funds within 2 weeks of accepting an offer with Bluevine. The Referred client must also be in good standing for the 8 weeks following his or her first draw date. One gift card per eligible participant. Please allow at least 90 days after the Referred client's first draw to receive your gift card. Terms and conditions apply. Please see them for more details.
Bluevine reserves the right to add, remove or modify restricted industries without notice and in its sole discretion.
U.S. Small Business Administration Office of Advocacy. "2019 Small Business Profile." (2019): https://cdn.advocacy.sba.gov/wp-content/uploads/2019/04/23142719/2019-Small-Business-Profiles-US.pdf. April 2019
This process may take up to 150 days from submission, or more in certain circumstances.
Lowest rates starting from 0.25% will have an additional LIBOR rate applied.
Rates range from 4.8% to 20.5% per draw, simple interest. Simple Interest = Total interest you will pay, and given as a percentage of the amount borrowed, excluding fees. APR from 18.2% to 36%. Prices for business funding can vary depending on the expected term of the funding as well as other credit and eligibility criteria.
Survey issued via Survey Gizmo to 877 small business owners between June and July 2020. Survey participants all own businesses with 100 employees or less and 837 completed the survey.
There may also be circumstances when part or all of your loan is not eligible for forgiveness due to other SBA requirements that are beyond the scope of this post.
(“U.S. Small Business Administration Office of Advocacy. "2019 Small Business Profile." (2019)”)
At this time we do not have an estimate when we'll resume receiving new applications.
Bluevine is not a licensed tax professional and cannot provide tax advice. You should consult with your CPA or tax advisor about the implications of the current stimulus bill.
Earning rewards is subject to the terms and conditions of your agreement with your credit card provider.
Certain Bill Pay funds, including Bill Pay with Credit Card, are held by Silicon Valley Bank, a member of the FDIC and the Federal Reserve System. Silicon Valley Bank is the California bank subsidiary of SVB Financial Group (Nasdaq: SIVB). Banking Services for payments made via ACH or wire from the Bluevine Business Checking Account are provided by Coastal Community Bank, Member FDIC.
Loans made after June 5 have a maturity length of 5 years.
A $4.95 per transaction fee is applicable while depositing funds at Green Dot® locations.
The Bancorp Bank, Member FDIC may transfer to Coastal Community Bank, Member FDIC after September 14, 2021 any funds received from returns of ACH Credits you originated from your account.
Conditions and exceptions apply - see Checking Account Agreement.
A balance is required in your Bluevine Business Checking account to order your two free checkbooks. Additional checkbook orders start at $18.22, excluding tax and shipping costs. Pricing is subject to change.
No limit on number of transactions. However, all accounts are subject to the aggregated monthly deposit and withdrawal amount limits of the Account Agreement.
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.
Invoice factoring applications with FundThrough are subject to FundThrough’s approval. Bluevine cannot guarantee applications will be approved. FundThrough’s terms and conditions apply, and Bluevine is not responsible for the terms, performance, customer support or any other features of FundThrough’s products and services. Users should read FundThrough’s terms and conditions and privacy policy before applying.
For your billing date, the terms and conditions of your credit card apply. Estimated transaction posting times will be displayed when initiating payments. Outgoing wires have a fee of $15.
Subject to terms and conditions of your credit card provider. Bluevine does not guarantee any outcome for the use of the Bill Pay with Credit Card service.
Subject to the terms and conditions of your agreement(s) with applicable vendor(s).
Debit transactions must post to your account before the end of the month to qualify toward that month’s eligibility requirement. Bluevine Business Debit Mastercard is issued by Coastal Community Bank pursuant to a license from Mastercard Inc.
Qualifying transactions only include business deposits such as mobile deposits of customer checks and customer checks and customer payments transferred via ACH, wire, or from payment processing providers. These transactions must post to your account or Sub-Accounts before the end of the month to qualify toward that month’s eligibility requirement. Transactions that do not qualify include, but are not limited to, cash deposits. Some requirements may not be enforced as of November 1, 2022. Subject to change.
Estimated transaction posting times will be displayed when initiating payments. Outgoing wires have a fee of $15.
Customer and lending statistics include Paycheck Protection Program.
Customers will receive a Bluevine Business Debit Mastercard only for use with the main Bluevine Business Checking account.
Please refer to Plaid’s privacy policy. Plaid is a separate, third party company. Bluevine, Celtic Bank, a Utah-chartered Industrial Bank, Member FDIC, and Coastal Community Bank, Member FDIC, are not responsible for any action, statement, or omission made by Plaid.
Sub-accounts can only be opened on the desktop or mobile browser version of the Bluevine Dashboard experience.
QuickBooks and QB are registered trademarks and service marks of Intuit Inc., displayed under license. Coastal Community Bank, Member FDIC is not aﬃliated with this product.
The information listed was sourced from bankrate.com, mybanktracker.com, and investopedia.com
Customers 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.
This link will take you to a third party website, owned and operated by an independent party over which Bluevine has no control. Any link you click to or from the 3rd Party Website will be at your own risk. Any use of the 3rd Party Website will be subject to and any information you provide will be governed by the terms of the 3rd Party Website, including those relating to confidentiality, data privacy and security. Third party fees may apply.
Bluevine and Coastal Community Bank, Member FDIC do not endorse or sponsor, and are not affiliated in any way with these products.
Brex is a separate, third-party company. Bluevine and Coastal Community Bank, Member FDIC, are not responsible for any action, statement, or omission made by Brex.
The bills inbox can only be opened on the desktop or mobile browser version of the Bluevine Dashboard experience.
Application is subject to approval.
Draw requests are subject to underwriting approval.
Customers will earn 2.0% interest on total balances up to and including $100,000 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 $100,000. 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.
Each Bill Pay 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. Estimated transaction posting times will be displayed when initiating payments. Outgoing wires have a fee of $15.
Restrictions apply. Rebates currently available for qualifying eligible purchases. Participating merchants and rebate offers subject to change. You'll receive Mastercard Easy Savings Program rebates on top of merchant discounts and your card rewards. All third-party trademarks are the property of their respective owners. By participating, you agree to all Mastercard Terms of Use. See full program terms here. Mastercard and Mastercard Easy Savings are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. ©2022 Mastercard. All rights reserved.
The terms and conditions for these benefits and offers are determined and implemented solely by Mastercard International Incorporated. Bluevine and Coastal Community Bank, Member FDIC, do not sponsor, endorse, warrant, or guarantee, and are not responsible for, the accuracy of information related to these benefits or offers. Mastercard is governed by its own terms of use, for which Bluevine and Coastal Community Bank, Member FDIC are not responsible.
Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance, Inc. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.
Includes Emergency Card Replacement, Emergency Cash Disbursement, and Lost and Stolen Card Reporting. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.
Waiver Coverage offered by the car rental company. Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. Please see your Guide to Benefits for details or call 1-800- MASTERCARD. BLUEVINE AND COASTAL COMMUNITY BANK, MEMBER FDIC DO NOT OFFER CAR RENTAL INSURANCE OF ANY KIND AND DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES AS TO THIS BENEFIT.

You built your business, we help it grow.

Earn 2.0% interest with Bluevine Business Checking.

One-stop business banking that’s right for you.

High-yield checking with no monthly fees.

Flexible funding to fuel your growth.

Bill Pay that lets you maximize cashflow.

Security you can bank on.

A business checking account built to save you time and money.

No monthly fees

2.0% interest for eligible customers

Unlimited transactions

Multiple accounts for better budgeting

A fast and flexible line of credit, ready to help your business thrive.

Funds available on demandBVSUP-00009

Revolving line of credit

Only pay for what you use

Quick credit decisions

Sophisticated bill pay designed to streamline business payments.

Keep all your bills in one place

Don’t worry about late payments

Pay by credit card, free up cash

With you at every stage of your journey

What’s required to apply for a Business Checking account?

Streamline transactions by connecting financial apps.

Make the most of your Bluevine Line of Credit

Setting up your Bluevine account

How you can earn 2.0% interest

Funding and payments

Getting started with your Bluevine business debit card.

See why our customers love Bluevine.

See why our customers love Bluevine.

More power to your business.

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Connect with us

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Ready to apply?

You built your business,
we help it grow.

One-stop business banking
that’s right for you.

A business checking account
built to save you time and
money.

A fast and flexible line of credit, ready to help your business
thrive.

Funds available on demand^BVSUP-00009

With you at every stage
of your journey

More power to your
business.