Small Business Checking Account
Business checking
built for you.
Empower your small business with up to
3.0% APY,BVSUP-00147 FDIC protection up to $3 million,BVSUP-00108
and no monthly fees.BVSUP-00122
Bluevine is a financial technology company, not a bank.
Bluevine deposits are FDIC-insured through Coastal Community Bank,
Member FDIC, and our program banks.
A business checking account that
gets you more for your money.
Save on fees, protect your money, and earn high-yield interest on your checking balances—
no need to move cash around.
Save with no
monthly fees.
Enjoy no monthlyBVSUP-00122 or overdraft fees, no minimum balance, free standard ACH, and unlimited transactions.BVSUP-00043 Our most active customers save $500/year in fees.BVSUP-00080
Earn high interest
on checking.
Get 1.3% APY with our Standard plan if you meet a monthly
activity goal. Or, earn up to 3.0%
APY with an upgraded plan.BVSUP-00147 Plus, get even more out of your money with Treasury services.§
FDIC insurance up to $3M.
Your account is FDIC-insured up
to $3 million per depositor
through Coastal Community
Bank, Member FDIC and our program banks.BVSUP-00108
Sign up for our Plus or Premier checking plans to get up to
3.0% APY and discounts on most Standard payment fees.
Run your business from anywhere.
Never step foot in a bank again with easy-to-use digital banking tools.
Invoicing and payment links
Accept customer payments directly into your Bluevine account with easy, professional invoicing and secure payment links.
Mobile banking
and check depositSkip a trip to the bank and easily deposit checks from your phone
when you’re at home, in the office,
or on the go.Bill pay
Easily send payments directly from your Bluevine dashboard via same-day ACH, free standard ACH, check, and domestic or international wire.BVSUP-00137
Automated accounts payable
Save time with automated payments and approval workflows, which let you collaborate with your team or accountant.
Account access
for your teamSecurely share access with your
team or accountant by giving each
a dedicated login for a smooth
online banking experience.BVSUP-00076Sub-accounts for
easier budgetingOrganize your money your way by adding multiple sub-accounts with automatic transfer rules. Issue debit cards for each sub-account with spend limits to manage projects and control team spend.
Debit cards for you
and your teamIssue physical and virtual debit
cards with daily and monthly
spending limits to trusted
employees, and earn 4% cash back
on business purchases through Mastercard Easy Savings®.BVSUP-00083ACH fraud protection
Block ACH debits on the account or payee level. Plus and Premier customers can preauthorize payees to debit blocked accounts.
Bank with confidence.
The expert support
you needGet customer support when you need it from
real people, ready to help.Advanced security
featuresProtect your money and information with
two-factor authentication, data encryption,
and text alerts.BVSUP-00084$3 million in
FDIC coverageKnow your business checking deposits are
safe up to $3 million.BVSUP-00108
See why our customers
love Bluevine.
And why you will, too.
I searched far and wide to find an effective and simple business banking solution that met my business needs and I found that in Bluevine. Their integrations and no fee structure were selling points for me.”
Logan P.
LP Creative Media
Professional services
Read the story
Online business checking FAQs
Eligible customers can earn up to 3.0% annual percentage yield (APY) on their Bluevine checking balances.BVSUP-00147 See the table below for more details.
| Plan | Monthly Fee | APY | Balance eligible for interest | Requirements to earn interest |
|---|---|---|---|---|
| Standard | None | 1.3% | Up to $250,000 | Spend $500 per month with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard OR Receive or deposit $2,500 per month in customer payments to your Bluevine checking account or sub-accounts |
| Plus | $30/month *Learn how to waive the fee | 1.75% | Up to $250,000 | None |
| Premier | $95/month *Learn how to waive the fee | 3.0% | Up to $3,000,000 | None |
Bluevine doesn't charge monthly service fees,BVSUP-00122 overdraft fees, incoming domestic wire or ACH fees,BVSUP-00074 or in-network ATM fees.BVSUP-00004 We also don't have a minimum balance requirement, minimum credit score, or limits on the number of transactions you can perform.BVSUP-00043
We do charge fees for certain transactions, such as outgoing wire transfers or international payments. Learn how Bluevine's fees compare to other business checking accounts.
Yes, Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. $3,000,000 in FDIC insurance is offered by multiplying the standard $250,000 FDIC coverage across multiple banks. Visit here for more details.
Required documentation to apply for a Bluevine Business Checking account may vary slightly, depending on what type of entity your business is, but the information broadly falls into three categories:
- Personal info We'll ask for some basic information to create your sign-in: your full name, email address, mobile phone number, and a secure password.
- Business details This includes trade name or DBA name, business address and phone number, EIN confirmation letter, annual revenue, entity type, and your industry.
- Owner verification We'll want to learn about you and anyone who owns 25% or more of the business: your home address and phone number, date of birth, SSN, and ownership percentage of the business. We may also ask for the front and back of your driver's license.
For a detailed breakdown of what you'll need by entity type, click here.
Explore helpful guides.
Learn how to make the most of your Bluevine account with these in-depth product guides and resources.
Ready to apply for
business checking?
Submit your application in just a few minutes.BVSUP-00006