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A Bluevine Business Checking account gives you many choices for sending and receiving money, including automated bill pay and free customer invoicing.

Funding your account

• Mobile check deposit: Deposit checks using the Bluevine app.
• Bank transfers: Initiate a transfer from an external bank account using your Bluevine dashboard.
• Wire transfer: Receive incoming domestic wires at no cost or international wires for a $25 fee.^BVSUP-00079
• Cash deposit: Locate your nearest Green Dot® or Allpoint+ location.^BVSUP-00039

Receiving customer payments

• Check and standard ACH transfer: Receive customer payments at no cost.
• When you link a Stripe account:
  • ACH direct debit: Accept customer payments via ACH direct debit for a 1% fee.
  • Credit card, debit card, and mobile wallet payments: Accept card payments for a 2.9% + $0.60 fee.
• In person: Accept customer payments with Tap to Pay using your iPhone or Android phone, no hardware needed.

Sending money

• Mailed checks: We’ll issue and mail checks to vendors on your behalf for a small fee of $1.50 per check payment.^BVSUP-00074
• Same-day ACH: Send same-day ACH for $10 per transaction.^BVSUP-00074
• Standard ACH: No cost.
• Domestic wires: $15 per transaction,^BVSUP-00079 significantly lower than the industry standard.
• International wires: Send money to 32 countries for a $25 fee if sent in USD. For payments sent in foreign currencies, we add a 1.5% fee.^BVSUP-00074

Withdrawing cash

• ATM: To make a fee-free cash withdrawal, visit a MoneyPass® ATM.^BVSUP-00004

Though same-day availability is possible, your funds will likely be available within 1–7 business days if you deposit your check before 6pm ET. Please note that you can’t cancel a deposited check once the depositing process has begun.

Once approved for a credit line, you can request funds directly from your Bluevine dashboard. We’ll deposit funds in your account as soon as a few hours, pending review and approval. Depending on which repayment plan you qualified for, we’ll automatically debit your account for weekly or monthly repayments. As you pay off your balance, the amount of available credit you can request automatically replenishes.

To qualify for a Bluevine Line of Credit, your eligible business must be a corporation or LLC in business 12+ months, with no bankruptcies on file, and in good standing with your Secretary of State. Also, your business must earn $10,000 in monthly revenue––or $120,000 annually––and you must have a 625+ personal FICO credit score.

We’ll verify this information when you apply and each month after to ensure you remain eligible. The fastest way to do this is to connect your external bank account. If you don’t, you’ll need to manually upload bank statements from the last three months. Learn more about bank connections.

It’s easier to apply for a line of credit if you already have a Bluevine Business Checking account.