Checking built for small business

Unlimited transactions, live support,
and no monthly fees.

Success begins with
better banking

Small businesses are a big deal. That’s why we’ve built
checking based on your needs.

No hidden fees

No monthly or NSF fees

1.0% interest

Earn 1.0% on your balance up to $100,000^BVSUP-00005

Built for business

Features and support designed to
streamline your banking

No hidden fees

Your bank shouldn’t charge you to do business. We’re for transparent, fair
banking for small businesses.

	Other business checking accounts
No minimum deposit or balance	$500 minimum balance
No monthly service fees	$10-$30 monthly service fee
No ATM fees at 38,000+ MoneyPass® locations nationally^BVSUP-00004	$0–$2.50 (in-network) ATM fees
No fees for non-sufficient funds	$35 NSF fees
Two free checkbooks	$35-$50 per order

No minimum deposit or balance

No monthly service fees

No ATM fees at 38,000+ MoneyPass® locations nationally^BVSUP-00004

No fees for non-sufficient funds

Two free checkbooks

Other business checking accounts

$500 minimum balance

$10-$30 monthly service fee

$0–$2.50 (in-network) ATM fees

$35 NSF fees

$35-$50 per order

1.0% interest

BlueVine offers one of the nation’s highest yield business checking accounts^BVSUP-00007
getting you 1.0% interest on your balance up to $100,000.^BVSUP-00005

20x The national average^BVSUP-00007

Interest rate comparison

1.0%

BlueVine Business Checking

20x The national average^BVSUP-00007

0.05%

National Average

Built for business

A checking account designed for the needs of small
businesses. Run your business on your terms.

Unlimited transactions, no minimum balance required

Pay vendors and bills by ACH, wire, or check

Make transfers to your other accounts

Lock your card in seconds if it’s lost or stolen

Easily schedule one-time and recurring payments

Deposits are FDIC insured to at least $250,000 through Coastal Community Bank, Member FDIC

Banking that puts you in control

All the benefits of online banking, with the service you
expect from your local branch.

Lightning speed

With a sign-up process that takes just a few minutes,^BVSUP-00006 opening an account couldn't be easier.

Intuitive control

View your balance, deposit checks, and set up transfers with the BlueVine mobile app.

Dedicated support

Get help from our resource center, or contact us by email or phone at 888-216-9619.

Frequently asked questions

BlueVine Business Checking offers no monthly, incoming wire, ATM^BVSUP-00004, or NSF fees, dedicated live support, and 1.0% interest (20x the national average^BVSUP-00007) earned on checking balances up to $100,000.^BVSUP-00005 Additionally, we offer a simple, easy-to-use dashboard and mobile app to deposit checks, view your balance, and other everyday banking activities. You can also withdraw cash using the BlueVine Business Debit Mastercard® and your deposits are FDIC-insured to at least $250,000 through Coastal Community Bank, Member FDIC.

You can sign up for a BlueVine Business Checking account in a few minutes^BVSUP-00006 with some basic information about you and your business. After you sign up, you have the option to deposit funds into your account with reliable, fast, and responsive customer service – all while earning 1.0% interest on your balance up to $100,000^BVSUP-00005.

Interest is calculated as simple interest daily and credited monthly. Interest is computed on a calendar year basis. We pay interest only in whole cents. Therefore, at the end of each monthly interest payment period, any fractional amount of interest less than half of one cent will be rounded down and any fractional amount of interest equal to half of one cent or more will be rounded up to the next whole cent.

All business owners are invited to apply for a bank account. To open an account, you must be:

A small business owner
At least 18 years old
A U.S. citizen or a resident with a verifiable U.S. address
Not in the following industries: Adult Entertainment, Gambling, Weapons and Firearms, Illegal Substances, Virtual Currency

Other restrictions may apply. Full terms and restrictions may be found in the agreement at the time of application.

Yes, BlueVine Business Checking accounts are offered through Coastal Community Bank, Member FDIC. Your deposits are insured to at least $250,000. You can learn more about coverage on the FDIC website.

There are a few ways that you can send and receive money. You can easily make payments to vendors or external accounts through ACH or domestic wire transfers. Add funds into your BlueVine Business Checking account through a mobile check deposit, initiate a transfer from external accounts within the BlueVine Dashboard, or initiate a transfer within your external bank account, outside of BlueVine. At this time, BlueVine does not have the ability to accept incoming wire transfers. Outgoing wires are $15, which is significantly lower than the industry standard.

Customers also receive 200 free checks by ordering through their BlueVine dashboard, so you can write checks from your balance.

Small businesses can avoid the complicated fee structures and hidden fees often associated with traditional banks. BlueVine Business Banking offers unlimited transactions, no monthly fees, no minimum balances or deposits, no ACH payment fees, no NSF charges, nor ATM fees at 38,000 locations.

The only fees associated are with expedited debit card replacements, cash deposit fees at Green Dot® retail locations ($4.95) and outgoing wires ($15), which is significantly lower than the industry standard. You may also be charged a fee by out of network ATM owners, even if you don’t complete the transaction.

Yes, you can withdraw cash for free using the BlueVine Business Debit MasterCard® from any of our 38,000 in-network ATM branches through our partnership with the MoneyPass® network. For a list/map of ATMs, please visit MoneyPass’ network’s ATM locator.

You are also able to withdraw cash from out-of-network ATMs; if you do, there may be an ATM fee determined by the owner, even if you don’t complete the transaction.

Yes, you can deposit both cash and checks with your BlueVine Business Bank account. Mobile deposit allows you to deposit checks from the comfort of your home or office. All you need is the BlueVine mobile app (available in both the Apple App store and the Google Play store), a properly endorsed check, and a well lit area. Or deposit checks and cash at 90,000+ retail locations with our partnership with Green Dot. For a list of locations, visit https://www.attheregister.com/locations.

Get checking that works
for your business

No interest earned on balances over $100,000.
You may be charged out-of-network ATM fees, even if you don’t complete the transaction.
Comparison for highest yield is based on a list of top business bank checking accounts provided by DepositAccounts.com
The national average is based on a simple average of rates paid by U.S. depository institutions as calculated by the FDIC
Based on user testing.

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.
Third-party ATM fees may vary by ATM operator.
As of December 1, 2021 the rate on our Business Checking account will be adjusted from 1.0% to 0.6% APY on balances up to and including $100,000. No interest earned on balances over $100,000.
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.
Not all suppliers may accept credit card payments; for example: credit card payment to insurance providers, credit card providers, or court-ordered payments are currently not supported. Amex 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.
Bill Pay funds are held by Silicon Valley Bank, a member of the FDIC and the Federal Reserve System.
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.

Checking built for small business

Success begins with better banking

No hidden fees

1.0% interest

Built for business

No hidden fees

Other business checking accounts

1.0% interest

Interest rate comparison

Built for business

Banking that puts you in control

Lightning speed

Intuitive control

Dedicated support

Frequently asked questions

What does BlueVine Business Checking offer?

How does BlueVine Business Checking work?

How is interest calculated?

Who can get a BlueVine Business Checking account?

Is my account FDIC-insured?

How do I send and receive money into this account?

Are there any fees or minimums?

Can I withdraw cash from an ATM?

Can I deposit cash or checks?

Get checking that works for your business

Success begins with
better banking

Get checking that works
for your business