Business Loans How to connect an external
bank account to your
Bluevine Line of Credit.

Why should I link an external bank account to my Bluevine Line of Credit?

We use bank connections both when you apply for a line of credit, and for ongoing review of your account:

• If you’re applying for a Bluevine Line of Credit, securely connecting your external account helps us make decisions even faster. Without a bank connection, you’ll need to manually upload bank statements from the last three months. If you’re applying without a bank connection, it’ll take us longer to review.
• If you’re already a Bluevine Line of Credit customer, linking your external account helps us quickly and automatically confirm that you qualify for future draws or potential credit line increases. Without a bank connection, you’ll need to manually upload statements for us to review every month. 

Providing bank connections for a Bluevine Line of Credit won’t affect your credit score. If you close or change bank accounts, you can easily connect a new one from your dashboard.

If you have a line of credit and a Bluevine Business Checking account, connecting your external bank account can also have benefits for your Bluevine Business Checking account. See our business checking bank connection guide to learn more.

Are bank connections secure?

To connect your external bank accounts, we use a service by Plaid, which lets you link your external accounts to Bluevine by signing in with your bank credentials. (We won’t see your bank sign-in information.) Making a connection is fast, easy, and secure—Plaid communicates with your bank to keep your sign-in information private.^BVSUP-00054

How do I connect my external bank account?

The easiest way to connect your bank account is to head to the Home tab of your Bluevine dashboard and click “Transfer money.” In the “Transfer from” dropdown menu, click “Add bank account.” You can also access this “Transfer money” screen from your Checking tab.

There are three other ways to connect your external account:

• During onboarding for your line of credit, use the bank connection page to connect your external account.
• If you’ve manually provided us with bank statements and want to connect that external account, go to your External Accounts tab and click the abacus icon on the right, then click “Connect.”
• If you have a Bluevine Business Checking account, go to the Home tab of your Bluevine dashboard and click “Transfer money.” In the “Transfer from” dropdown menu, click “Add bank account.” You can also access the “Transfer money” screen from your Checking tab.

Be sure to enter the correct information for your username, password, and security answers. The most common reason customers are unable to connect their bank accounts is a password or username error.

If your external bank isn’t listed, please feel free to give us a call at (888) 216-9619, select option 1, then select option 2. We’ll work with Plaid to see if we can add your institution to our bank connection service. 

Once you’ve successfully linked your external account, you’ll be able to set it as your primary account if you haven’t already.

What happens if I notice my external account has disconnected?

If your external bank account gets disconnected, we’ll notify you via email and on your Bluevine dashboard. There are multiple reasons your account might get disconnected, but none of them will affect the pending debits and credits on your account. 

To re-establish the bank connection, just head to External Accounts on your dashboard and click “Add bank account.” We may ask you for additional security information to verify the reconnection.

How did my account get disconnected?

Here are some common reasons your external account could’ve been disconnected:

• Something on the bank’s end. Your bank may have recently updated their website or app, or there could’ve been some other temporary miscommunication.
• Sign-in change. If you’ve changed your username or password on your external bank account, you may have to reconnect.
• Multi-factor authentication issue. Your bank may require reverification if it’s been a while since your last sign-in, or if you locked your bank account with a physical authenticator or key fob.
• Plaid issue. Plaid might be having trouble connecting your accounts or keeping them connected. If you think this might be the case, please visit Plaid’s help center.^BVSUP-00059