In partnership with

Business checking
built for you.

Power your business with up to 4.25%
APY,BVSUP-00166 FDIC protection up to $3 million,BVSUP-00108
and no monthly fees.BVSUP-00122

Start application

Bluevine is a financial technology company, not a bank.
Bluevine deposits are FDIC-insured through Coastal Community Bank,
Member FDIC, and our program banks.

Business banking 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 1.5% APY with our Standard plan if you meet a monthly activity goal. Or, earn even more with an upgraded plan.

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
4.25% 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.

  • Mobile check
    deposit

    Skip a trip to the bank and easily deposit checks from your phone when you’re at home, in the office, or on the go.

    Explore mobile deposits

  • Automated accounts
    payable

    Manage bills from one online platform and send money via same-day ACH, free standard ACH, check, and domestic or international wire.BVSUP-00137

    Explore accounts payable

  • Account access
    for your team

    Securely share access with your team or accountant by giving each a dedicated login for a smooth online banking experience.BVSUP-00076

    Explore account access

  • Multiple
    sub-accounts

    Organize your money the way you want by adding up to five sub-accounts. Plus, set automatic transfer rules to help manage cash flow.

    Explore sub accounts

  • Debit cards for you
    and your team

    Issue additional cards to trusted team members and earn up to 4% cash back on business purchases through Mastercard Easy Savings®.BVSUP-00083

    Explore debit card

  • Secure ACH
    debit controls

    Block ACH debits from your main account and sub-accounts to prevent unauthorized transactions.

    Explore ACH debit controls

Explore all features and benefits

Bank with confidence.

  • The expert support
    you need

    Get customer support when you need it from
    real people, ready to help.

  • Advanced security
    features

    Protect your money and information with
    two-factor authentication, data encryption,
    and text alerts.BVSUP-00084

  • $3 million in
    FDIC coverage

    Know 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 4.25% annual percentage yield (APY) on their checking balances.

With our Standard plan, you can earn 1.5% APY on balances up to $250,000 when you meet one of the following monthly eligibility requirements:

  • 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

You can earn 3.0% APY on balances up to $250K with our Plus plan and 4.25% APY on balances up to $3M with our Premier plan. With our upgraded Plus and Premier plans, APY is earned automatically with no spend or deposit requirements.

Our Business Checking customers enjoy a straightforward fee structure. We don’t charge monthly fees,BVSUP-00122 overdraft fees, incoming domestic wire or ACH fees,BVSUP-00137 or in-network ATM fees.BVSUP-00004 We also don’t have a minimum balance requirement 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 may vary slightly depending on what type of entity your business is, but this information broadly falls into three categories:

  • First, we’ll ask for some basic information to create your sign-in: your full name, email address, mobile phone number, and a secure password.
  • Second, we’ll want to know about your business: trade name or DBA name, business address and phone number, EIN confirmation letter, annual revenue, entity type, and your industry.
  • Third, we’ll want to learn about you and anyone who owns 25% or more of the business: 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.

Ready to apply for
business checking?

Open account

Submit your application in just a few minutes.BVSUP-00006