Level up your
business
banking.
Your business checking account can do more
—with 1.75% APY and discounts on same-day
ACH, wire, and international payments.BVSUP-00131
1.75%
APY on balances
up to $250,000BVSUP-00131
Save and earn more
with Bluevine Plus.
Earn 1.75% APY
Get more from your money with
higher interest on balances up to $250,000.BVSUP-00131 Plus, eligible customers
can earn even more with Treasury services.§Save on payment fees
Enjoy 20% off most Standard payment fees including same-day ACH and international payments.
Protect your money
Get up to $3 million in FDIC
insurance—that’s up to 12x the
standard coverage of $250,000.BVSUP-00108
Extra benefits for your business.
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
| Feature | Standard | Plus |
|---|---|---|
| Feature | Standard | Plus |
| Unlimited transactionsBVSUP-00043 | ||
| Monthly fee | $0 | $30 |
| Required average daily balance across Bluevine Business Checking and sub-accounts | - | $20,000 or highereach billing period |
| Required spending with your Bluevine Business Debit Mastercard® | - | $2,000 or moreeach billing period |
| Annual percentage yield (APY) on checking balancesBVSUP-00118 | 1.3%up to $250k | 1.75%up to $250k |
| FDIC insuranceBVSUP-00108 | 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 |
| Auto transfer rules for sub-accounts | ||
| Access to Treasury services§ | Availablewith $50k min balance | Availablewith $50k min balance |
| Free checkbooksBVSUP-00042 | 1 | 2per 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 |
| Standard ACH | $0 | $0 |
| Same-day ACH | $10 | $8 |
| Domestic wires | $15 | $12 |
| Printed & mailed checks | $1.50each | First 5 freeper monthBVSUP-00135 |
| International wires - USDBVSUP-00081 | $25 | $20 |
| International wires - FXBVSUP-00081 Contact sales for FX volume discounts | $25 + 1.5% | $20 + 1.25% |
| Bluevine pay | $0 | $0 |
| Cash withdrawals at MoneyPass® ATMsBVSUP-00004 | $0 | $0 |
| Incoming ACH (transfers or credits) | $0 | $0 |
| Card & wallet payment (online)* | 2.9% + $0.60 | 2.9% + $0.60 |
| Card & wallet payment (online - card on file)* | 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 |
| ACH direct debit payment* | 1% | 1% |
| Mobile check deposit | $0 | $0 |
| Incoming domestic wires | $0 | $0 |
| Incoming international wiresBVSUP-00143 | $15 | $12 |
| Cash deposits via the Green Dot Network | $4.95 feeper deposit | $4.95 feeper deposit |
| Cash deposits at AllPoint ATMs | $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 |
| Autopay | ||
| Recurring invoices | with autopay enabled | |
| Custom invoice fields | ||
| Tap to Pay | ||
| Xero special offerBVSUP-00181 | 3 months free | 6 months free |
| Accounting syncBVSUP-00056 | 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 | ||
Choose the right fit for your business.
Your money could work even harder. Try Premier and get 3.3% APY on all business checking balances.BVSUP-00116
Try the Plus 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.
Get up to 6 months
of Xero free.
Enjoy Xero free for 6 months with our Plus or Premier business checking plans, or 3 months with our Standard plan when you sign up through your Bluevine dashboard.BVSUP-00181
Built for small businesses, Xero’s accounting software makes it easy to send invoices and quotes, reconcile transactions, manage tax documents, and more.
Frequently asked questions
For a waivable $30 monthly fee, our Plus plan offers a leveled-up business banking experience with all the great benefits of our standard, high-yield Bluevine Business Checking account and built-in payment platform, plus:
- Higher interest earnings on balances
- The ability to create additional sub-accounts
- Discounted payment rates
The Plus plan comes with a waivable $30 monthly fee, which allows you to take advantage of a higher interest rate and payment fee discounts.
You can waive the monthly fee for Plus by maintaining an average daily balance of at least $20,000 across your Bluevine Business Checking account and sub-accounts each billing period, AND spending at least $2,000 with your Bluevine Business Debit Mastercard® each billing period.
Once your Bluevine Plus one-month trial begins, you can start earning 1.75% APY on your balances up to $250,000. 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 the Plus plan until your trial period is up and you can switch to the standard plan at any time if Plus isn’t right for you.
No, you can get started with as little or as much as you'd like, and you'll earn 1.75% APY on your balances up to $250,000. However, keep in mind that each billing period you'll need to maintain an average daily balance of at least $20,000 across your Bluevine Business Checking account and sub-accounts, AND spend at least $2,000 with your Bluevine Business Debit Mastercard® to help you avoid the $30 monthly fee.
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.
Get more with
Bluevine Plus.
Apply online in minutes and select the Plus plan during account setup.