BUSINESS CHECKING Plans and pricing
Bluevine Business Checking is a powerful checking account built specifically for small businesses.
Choose the plan that fits your needs today, with the flexibility to upgrade or downgrade anytime.
Best for small teams or solo owners who want a powerful, fee-free checking solution.
$0/mo
Open accountWith our Standard business checking plan, you get:
- 1.3% APY on balances up to $250KBVSUP-00005
- Up to 5 sub-accounts
- Free standard ACH and unlimited transactionsBVSUP-00043
- Unlimited invoices and payment links
- Recurring invoices with autopay
- Tap to Pay
- ACH debit block
- Access to Treasury services with $50k+ checking balance§
- FDIC insurance up to $3MBVSUP-00108
Best for growing businesses that want higher yields, more flexibility, and cost savings as they scale.
$30/mo
Start free trialGet everything from our
Standard plan, plus:
- 1.75% APY on balances up to $250KBVSUP-00131
- Up to 10 sub-accounts
- 20% off most Standard payment fees
- ACH preauthorization with debit block
- 5 free printed and mailed checks per monthBVSUP-00133
- 6 months free Xero subscriptionBVSUP-00181
Best for larger businesses with high balances and more complex operations.
$95/mo
Start free trialGet everything from our
Standard plan, plus:
- 3.0% APY on all balancesBVSUP-00116
- Up to 50 sub-accounts
- 50% off most Standard payment fees
- ACH positive pay
- 20 free printed and mailed checks per monthBVSUP-00120
- 6 months free Xero subscriptionBVSUP-00181
- Priority customer supportBVSUP-00119
- Instant access to Treasury services§
| Feature | Standard | Plus | Premier |
|---|---|---|---|
| Feature | Standard | Plus | Premier |
| Unlimited transactionsBVSUP-00043 | |||
| Monthly fee | $0 | $30 | $95 |
| Required average daily balance across Bluevine Business Checking and sub-accounts | - | $20,000 or highereach billing period | $100,000 or highereach billing period |
| Required spending with your Bluevine Business Debit Mastercard® | - | $2,000 or moreeach billing period | $5,000 or moreeach billing period |
| Annual percentage yield (APY) on checking balancesBVSUP-00118 | 1.3%up to $250k | 1.75%up to $250k | 3.0%on all balances |
| FDIC insuranceBVSUP-00108 | up to$3M | up to$3M | up to$3M |
| Account access for your team and accountantBVSUP-00076 | |||
| Single sign-on (SSO) for multiple businesses | |||
| Sub-accounts | up to5 | up to10 | up to50 |
| Auto transfer rules for sub-accounts | |||
| Access to Treasury services§ | Availablewith $50k min balance | Availablewith $50k min balance | IncludedNo min balance |
| Free checkbooksBVSUP-00042 | 1 | 2per year | 3per year |
| Team debit cards with daily or monthly spend controls | |||
| Virtual and physical debit cards for main and sub-accounts | |||
| Total debit cards that can be issued | up to50 | up to50 | up to50 |
| Standard ACH | $0 | $0 | $0 |
| Same-day ACH | $10 | $8 | $5 |
| Domestic wires | $15 | $12 | $7.50 |
| Printed & mailed checks | $1.50each | First 5 freeper monthBVSUP-00135 | First 20 freeper monthBVSUP-00135 |
| International wires - USDBVSUP-00081 | $25 | $20 | $12.50 |
| International wires - FXBVSUP-00081 Contact sales for FX volume discounts | $25 + 1.5% | $20 + 1.25% | $12.50 + 1.0% |
| Bluevine pay | $0 | $0 | $0 |
| Cash withdrawals at MoneyPass® ATMsBVSUP-00004 | $0 | $0 | $0 |
| Incoming ACH (transfers or credits) | $0 | $0 | $0 |
| Card & wallet payment (online)* | 2.9% + $0.60 | 2.9% + $0.60 | 2.9% + $0.60 |
| Card & wallet payment (online - card on file)* | 3.4% + $0.60 | 3.4% + $0.60 | 3.4% + $0.60 |
| Card & wallet payment (In person via Tap to Pay)* | 2.7% + $0.30 | 2.7% + $0.30 | 2.7% + $0.30 |
| ACH direct debit payment* | 1% | 1% | 1% |
| Mobile check deposit | $0 | $0 | $0 |
| Incoming domestic wires | $0 | $0 | $0 |
| Incoming international wiresBVSUP-00143 | $15 | $12 | $7.50 |
| Cash deposits via the Green Dot Network | $4.95 feeper deposit | $4.95 feeper deposit | $4.95 feeper deposit |
| Cash deposits at AllPoint ATMs | $1 + 0.5%per deposit | $1 + 0.5%per deposit | $1 + 0.5%per deposit |
| * Processing fees via Stripe. Need custom pricing tailored to your business? Contact sales | |||
| Bill capture & entry (upload, photo, email, or sync) | |||
| Approval workflows | |||
| Bulk payments and approvals | |||
| QuickBooks Online, Xero, Wave, Freshbooks Sync | |||
| Create and send unlimited invoices | |||
| Create and send unlimited payment links | |||
| Deliver Invoices and Payment Links via SMS, email, PDF, URL, or QR code | |||
| Estimates | |||
| Automatic payment reminders | 1per invoice | up to 4per invoice | up to 4per invoice |
| Autopay | |||
| Recurring invoices | with autopay enabled | ||
| Custom invoice fields | |||
| Tap to Pay | |||
| Xero special offerBVSUP-00181 | 3 months free | 6 months free | 6 months free |
| Accounting syncBVSUP-00056 | QuickBooks Online, Xero, Wave, Freshbooks | QuickBooks Online, Xero, Wave, Freshbooks | QuickBooks Online, Xero, Wave, Freshbooks |
| Dedicated accountant user roleBVSUP-00076 | |||
| Dedicated logins with role-based permissions | |||
| Custom notifications and text alertsBVSUP-00084 | |||
| Two-factor authentication using push notifications | |||
| Selective account access | |||
| ACH debit block | |||
| ACH preauthorization with debit block | |||
| ACH positive pay | |||
| Check debit block | |||
| Live customer support via phone, email, and chat | |||
| Priority customer supportBVSUP-00119 | |||
| Learn more about our plans | Explore Standard | Explore Plus | Explore Premier |
Try an upgraded plan
free for one month.
Apply online in minutes and select your preferred plan during
account setup. Then enjoy it fee-free for one month.
Bank with confidence
The expert support you need
Get customer support when you need it from real people, ready to help.
Advanced security features
Protect your money and information with two-factor authentication, data encryption, and text alerts.BVSUP-00084
$3 million in FDIC coverage
Know your business checking deposits are safe up to $3 million.BVSUP-00108
Frequently asked questions
Yes—Bluevine offers three business checking plans differing in APY, fees and perks.
| Plan feature | Standard | Plus | Premier |
|---|---|---|---|
| APYBVSUP-00147 | 1.3% APY | 1.75% APY | 3.0% APY |
| Discounts off most Standard payment fees | None | 20% | 50% |
| Monthly Fee | None | $30/month (waivable) | $95/month (waivable) |
You can waive the monthly fee for Plus and Premier by meeting balance AND spending requirements.
| Requirement | Plus | Premier |
|---|---|---|
| Fee | $30/month | $95/month |
| Average daily balance requirement | At least $20,000 across Bluevine Business Checking account and sub-accounts | At least $100,000 across Bluevine Business Checking account and sub-accounts |
| Monthly spending requirement | At least $2,000 with your Bluevine Business Debit Mastercard® | At least $5,000 with your Bluevine Business Debit Mastercard® |
During your Bluevine Plus or Bluevine Premier one-month trial, you can earn higher APY on your balances without paying the monthly fee or meeting the fee waiver requirements. You can also take advantage of discounted rates on bill payments through your Bluevine dashboard as soon as you fund your Bluevine Business Checking account.
You won’t be charged for an upgraded plan until the end of the trial, and you can switch or cancel your plan any time if you decide Plus or Premier isn’t right for you.
Bluevine Business Checking customers who sign up for Xero from their Bluevine dashboard can enjoy up to six months of Xero’s service for free. Bluevine Plus and Premier customers get their first 6 months of Xero free, while Standard plan customers get their first 3 months free.
Ready to switch to
Bluevine but not sure
where to start?
Learn how easy it is to switch business bank accounts.
Apply for business
checking in minutes.
Select your plan during account setup.