BlueVine Business Checking offers no monthly, incoming wire, or NSF fees, dedicated live support, and 0.6% interest (20x the national average) earned on checking balances up to $100,000. Plus, you can withdraw cash for free from 37,000+ in-network ATM branches through our partnership with the MoneyPass® network using your BlueVine Business Debit Mastercard® and your deposits are FDIC-insured up to $250,000 through Coastal Community Bank, Member FDIC. We also offer a simple, easy-to-use dashboard and mobile app to deposit checks, view your balance, and complete other everyday banking activities.

You can sign up for a BlueVine Business Checking account in a few minutesBVSUP-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 0.6% 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 permanent U.S. resident with a verifiable address in one of the fifty (50) United States or the District of Columbia
  • 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.

Ineligible locations: U.S. Territories including Puerto Rico.

Yes, BlueVine Business deposits are FDIC insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC. 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. You can also receive incoming domestic wires at no cost. Outgoing wires are $15 per transaction, which is significantly lower than the industry standard.

As long as you maintain a balance in your account, you can also get 200 at no cost checks by ordering through your 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 37,000+ locations in the MoneyPass® network.

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.

Yes, you can withdraw cash fee-free using the BlueVine Business Debit Mastercard® from 37,000+ in-network ATM branches through our partnership with the MoneyPass® network. For a list/map of ATMs, please visit the MoneyPass network’s ATM locator.

You can also withdraw cash from out-of-network ATMs for a fee.

Yes, you can deposit both cash and checks with your BlueVine Business Checking 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.

Funds become available between 1 to 4 business days. Please note that once the depositing process has begun you cannot cancel the deposited check.

Opening a BlueVine Business Checking account does not explicitly improve your chances of being approved for a loan. However, by opening up a BlueVine Business Checking account, small businesses will be able to build transaction and credit history with us – which will help us smoothly and efficiently evaluate these customers for loans.

BlueVine Business Checking is currently only available in the fifty (50) United States and the District of Columbia.
BlueVine cannot accept or initiate international wires.

A business line of credit gives you the ability to access funding when you want, up to your credit limit. And unlike a traditional loan or merchant cash advance that is one-time, BlueVine’s Flex Credit is “revolving credit.” This means that as you repay back your outstanding funds, your available credit replenishes, and you can draw additional funds again as you like.

To use your BlueVine line of credit, here’s how it works: Once approved for a credit line, request funds directly from your dashboard. Funds are then deposited in your bank account in as fast as hours. Payments are automatically debited from your account each week or month over 6 or 12 months. As you pay off your balance, your available credit line is automatically replenished. Plus, because your repayments are calculated with simple interest, you can save on interest when you pay early. BlueVine doesn’t charge prepayment, or early repayment, fees.

To meet the minimum requirements for our Line of Credit, your business must have been in operation for at least six months, be a corporation or LLC, have a personal credit score of 600+ or more, and your business must generate at least $10,000 each month in revenue.

Due to regulations, we also cannot provide lines of credit to the following states:

  • Nevada
  • North Dakota
  • South Dakota

If you don’t meet our Line of Credit requirements, you may be eligible for Invoice Factoring, which allows you to get a cash advance based on your outstanding invoices.

See our restricted industries list

Weekly repayments are automatically debited from your bank account. As long as you have sufficient money in your bank account, you never have to worry about missing a payment.

As quickly as a few hours once approved. With BlueVine you can choose between ACH electronic transfers or bank wire transfers. ACH transfers are free and the funds usually appear the next business day (but may take up to three). A bank wire costs $15 per wire and funds are typically available in your bank account the same day.

Payment fromPayment TypeProcessing TimesInformation Needed
Checking AccountWire*1 business dayPayee (or vendor) address and bank account details
Checking AccountACH1-3 business daysPayee (or vendor) address and bank account details
Credit Card or Checking AccountePayment1-3 business daysPayee (or vendor) in database, payee zip code, and your account number with payee
Checking AccountCheck5-7 business daysPayee (or vendor) address

All payments initiated after 6 pm PST will be processed the following day. 

*The cost for each outgoing wire is $15

Make one-time or recurring payments today, or a day in the future. Visit this support article for details on how to set up recurring or scheduled payments:


Pay any vendor by your bank account. Or, pay over 40,000 registered payees by credit card (2.9% transaction fee) or debit card.

Pay any of your vendors or bills through your bank account. You can schedule a payment to be sent at any time to any US business or bank account. To make sending payments easy, if the payee is one of 40,000 companies in our directory (referred to as a “registered payee”), all you need is their zip code to send an ePayment (similar to an ACH). Otherwise, you can simply enter the payee’s address to send a check. All registered payees may also be paid by credit card.

For payments by credit card, there is a 2.9% fee of the payment amount. For outgoing wires, there is a $15 per payment fee.

BlueVine Payments is paired with BlueVine Business Checking. Seamlessly access both Payments and Business Checking from your BlueVine Dashboard. Use Payments to easily pay bills, vendors, or suppliers. Deposit funds into Business Checking to earn 0.6% interest on your balance, or use your BlueVine Business Debit Card anywhere Mastercard® is accepted for your business expenses.

The SBA Paycheck Protection Program (PPP) was specifically designed to aid eligible small businesses with forgivable loans during the Coronavirus pandemic. The latest government stimulus package committed $284.5B to PPP and allowed for second draws and simplified loan forgiveness.

No. If BlueVine was managing your loan forgiveness process, we’ve sent you additional information by email. If your loan was provided through our bank partner Celtic Bank and your loan is under $150,000, you may apply directly with the Small Business Administration. If your loan was provided through Celtic Bank and your loan is over $150,000, we’ve sent you more details about how to apply through Celtic. You may contact them at (800) 509-6191 or PPPForgiveness@CelticBank.com. 

If your loan was provided through Cross River Bank, you should have received a welcome email from Scratch, a loan servicer working with Cross River Bank to manage your loan forgiveness and repayment process.

No. The program has concluded. However, we hope to help strengthen your business through our other banking and lending services. 

Have more questions?

Call an advisor (888) 216-9619

Apply now

Applying will not affect your credit scoreBVSUP-00008