Supercharge
your business
banking.
Get the most out of your business
checking account with 3.3% APY on every
dollar, reduced payment fees, and priority
customer support.BVSUP-00119
3.3%
APY on all balancesBVSUP-00116
Save and earn even more
with Bluevine Premier.
Earn on every dollar
Maximize your earnings with
market-leading 3.3% APY on all balances, plus automatic access to Treasury services.§Save on payment fees
Enjoy 50% 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
Exclusive benefits for your business.
With Bluevine Premier, you get a higher yield business checking account,
savings on payments, and more.
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 larger businesses with high balances and more complex operations.
$95/mo
Start free trialGet everything from our
Standard plan, plus:
- 3.3% 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 | Premier |
|---|---|---|
| Feature | Standard | Premier |
| Unlimited transactionsBVSUP-00043 | ||
| Monthly fee | $0 | $95 |
| Required average daily balance across Bluevine Business Checking and sub-accounts | - | $100,000 or highereach billing period |
| Required spending with your Bluevine Business Debit Mastercard® | - | $5,000 or moreeach billing period |
| Annual percentage yield (APY) on checking balancesBVSUP-00118 | 1.3%up to $250k | 3.3%on all balances |
| 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 to50 |
| Auto transfer rules for sub-accounts | ||
| Access to Treasury services§ | Availablewith $50k min balance | IncludedNo min balance |
| Free checkbooksBVSUP-00042 | 1 | 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 |
| Standard ACH | $0 | $0 |
| Same-day ACH | $10 | $5 |
| Domestic wires | $15 | $7.50 |
| Printed & mailed checks | $1.50each | First 20 freeper monthBVSUP-00135 |
| International wires - USDBVSUP-00081 | $25 | $12.50 |
| International wires - FXBVSUP-00081 Contact sales for FX volume discounts | $25 + 1.5% | $12.50 + 1.0% |
| 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 | $7.50 |
| 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 | ||
Every dollar earns.
No thresholds.
No trade-offs.
Bluevine Premier is the only business banking plan that
allows you to earn 3.3% APY on every dollar you deposit.
That means your idle cash doesn’t have to get moved around
to make the most of it. See how much more you could earn.
Calculator is for illustration only, rounded to the nearest dollar. Annual estimations assume that you earn 1.3% APY (capped at balances up to $250,000) for Standard only if monthly activity goals are met and 3.3% APY (on all balances) for Premier, *and* maintain your account balance selected above for an entire year. Actual earnings may vary based on exact balance, rate changes, and program eligibility. Rates and terms are subject to change, as set forth in the Terms of Interest Accrual Agreement. The national average is based on interest rates paid by U.S. depository institutions as calculated by the FDIC.
Try the Premier plan
free for one month.
Apply online in minutes and select the Premier plan during account setup.
Then enjoy it fee-free for one month.
Boost earnings on
idle cash with
Bluevine Treasury.
Make the most of your excess cash with high yields on interest-bearing market funds.§
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.
Priority customer
support.
Get the live, personalized support your business needs even faster when you call our customer service team, made up of people who care and are ready to help.BVSUP-00119
You can also explore self-guided resources any time in our Help Center.
More flexibility for your business.
Not sure if Premier is for you? With multiple checking plans available, you can choose the right fit for your business.
Frequently asked questions
For a waivable $95 monthly fee, our Premier plan offers an elevated 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 higher balancesBVSUP-00116
- The ability to create additional sub-accounts
- Discounts on most Standard payment fees
- Priority customer support when you need itBVSUP-00119
- Automatic access to Treasury services§
The Premier plan comes with a waivable $95 monthly fee, which allows you to take advantage of a higher interest rate, exclusive payment fee discounts, and priority customer support when you need it.
You can waive the monthly fee for Premier by maintaining an average daily balance of at least $100,000 across your Bluevine Business Checking account and sub-accounts each billing period, AND spending at least $5,000 with your Bluevine Business Debit Mastercard® each billing period.
Once your Bluevine Premier trial begins, you can start earning 3.3% APY on all your balances.BVSUP-00116 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 Premier plan until your trial period is up and you can switch to the standard plan at any time if Premier isn’t right for you.
No, you can get started with as little or as much as you’d like, and you’ll earn 3.3% APY on every dollar.BVSUP-00116 However, keep in mind that each billing period you’ll need to maintain an average daily balance of at least $100,000 across your Bluevine Business Checking account and sub-accounts, AND spend at least $5,000 with your Bluevine Business Debit Mastercard® to help you avoid the $95 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 Premier.
Apply online in just a few minutes and select your plan during account setup.