Enjoy 3 months free of an upgraded plan plus earn a $500 bonus.

Open a new Bluevine Business Checking account
and automatically get 3 months of an upgraded
Plus or Premier plan free. You can also earn a $500
bonus if you meet eligibility requirements.^BVSUP-00194Apply with referral code SYN500.

Open account

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

$500cash bonus Offer expires 1/31/2027

How to earn your bonus.

To get your $500 bonus, apply for a Bluevine Business Checking account
anytime between now and January 31, 2027 using referral code SYN500.

After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days,
maintain a minimum daily balance of $5,000 while also completing at least one of the following
eligibility requirements every 30 days for 90 days^BVSUP-00194:

Deposit at least $5,000 from
eligible merchant services
to your Bluevine account

Make at least $5,000 of
outbound payroll payments
from your Bluevine account
using eligible payroll providers

Spend at least $2,000 on eligible transactions with your
Bluevine Business Debit
Mastercard® and/or Bluevine
Business Cashback Mastercard®

Excluded Transactions

Open account

Exclusive offer Try an upgraded plan
free for three months.

Get a higher yield business checking account, savings on payments, and more. Simply select the
upgraded Plus or Premier plan during account setup and enjoy it free for three months.

At a
glance

Compare plan
details

Standard

Best for small teams or solo owners who want a powerful, fee-free checking solution.

$0/mo

Open account

With our Standard business checking plan, you get:

1.3% APY on balances up to $250K^BVSUP-00005
Up to 5 sub-accounts
Free standard ACH and unlimited transactions^BVSUP-00043
Unlimited invoices and payment links
Recurring invoices with autopay
Tap to Pay
ACH debit block
Access to Treasury services with $50k+ checking balance^§
FDIC insurance up to $3M^BVSUP-00108

Plus

Best for growing businesses that want higher yields, more flexibility, and cost savings as they scale.

$30/mo

Start free trial

Get everything from our
Standard plan, plus:

1.75% APY on balances up to $250K^BVSUP-00131
Up to 10 sub-accounts
20% off most Standard payment fees
ACH preauthorization with debit block
5 free printed and mailed checks per month^BVSUP-00133
6 months free Xero subscription^BVSUP-00181

Premier

Best for larger businesses with high balances and more complex operations.

$95/mo

Start free trial

Get everything from our
Standard plan, plus:

3.0% APY on all balances^BVSUP-00116
Up to 50 sub-accounts
50% off most Standard payment fees
ACH positive pay
20 free printed and mailed checks per month^BVSUP-00120
6 months free Xero subscription^BVSUP-00181
Priority customer support^BVSUP-00119
Instant access to Treasury services^§

Feature	Standard	Plus	Premier
Feature	Standard	Plus	Premier

Unlimited transactions^BVSUP-00043
Monthly fee	$0	$30	$95
Required average daily balance across Bluevine Business Checking and sub-accounts	-	$20,000 or highereach billing period	$100,000 or highereach billing period
Required spending with your Bluevine Business Debit Mastercard®	-	$2,000 or moreeach billing period	$5,000 or moreeach billing period
Annual percentage yield (APY) on checking balances^BVSUP-00118	1.3%up to $250k	1.75%up to $250k	3.0%on all balances
FDIC insurance^BVSUP-00108	up to$3M	up to$3M	up to$3M
Account access for your team and accountant^BVSUP-00076
Single sign-on (SSO) for multiple businesses
Sub-accounts	up to5	up to10	up to50
Auto transfer rules for sub-accounts
Access to Treasury services^§	Availablewith $50k min balance	Availablewith $50k min balance	IncludedNo min balance
Free checkbooks^BVSUP-00042	1	2per year	3per year

Team debit cards with daily or monthly spend controls
Virtual and physical debit cards for main and sub-accounts
Total debit cards that can be issued	up to50	up to50	up to50

Standard ACH	$0	$0	$0
Same-day ACH	$10	$8	$5
Domestic wires	$15	$12	$7.50
Printed & mailed checks	$1.50each	First 5 freeper month^BVSUP-00135	First 20 freeper month^BVSUP-00135
International wires - USD^BVSUP-00081	$25	$20	$12.50
International wires - FX^BVSUP-00081 Contact sales for FX volume discounts	$25 + 1.5%	$20 + 1.25%	$12.50 + 1.0%
Bluevine pay	$0	$0	$0
Cash withdrawals at MoneyPass® ATMs^BVSUP-00004	$0	$0	$0

Incoming ACH (transfers or credits)	$0	$0	$0
Card & wallet payment (online)*	2.9% + $0.60	2.9% + $0.60	2.9% + $0.60
Card & wallet payment (online - card on file)*	3.4% + $0.60	3.4% + $0.60	3.4% + $0.60
Card & wallet payment (In person via Tap to Pay)*	2.7% + $0.30	2.7% + $0.30	2.7% + $0.30
ACH direct debit payment*	1%	1%	1%
Mobile check deposit	$0	$0	$0
Incoming domestic wires	$0	$0	$0
Incoming international wires^BVSUP-00143	$15	$12	$7.50
Cash deposits via the Green Dot Network	$4.95 feeper deposit	$4.95 feeper deposit	$4.95 feeper deposit
Cash deposits at AllPoint ATMs	$1 + 0.5%per deposit	$1 + 0.5%per deposit	$1 + 0.5%per deposit
* Processing fees via Stripe. Need custom pricing tailored to your business? Contact sales

Bill capture & entry (upload, photo, email, or sync)
Approval workflows
Bulk payments and approvals
QuickBooks Online, Xero, Wave, Freshbooks Sync

Create and send unlimited invoices
Create and send unlimited payment links
Deliver Invoices and Payment Links via SMS, email, PDF, URL, or QR code
Estimates
Automatic payment reminders	1per invoice	up to 4per invoice	up to 4per invoice
Autopay
Recurring invoices	with autopay enabled
Custom invoice fields
Tap to Pay

Xero special offer^BVSUP-00181	3 months free	6 months free	6 months free
Accounting sync^BVSUP-00056	QuickBooks Online, Xero, Wave, Freshbooks	QuickBooks Online, Xero, Wave, Freshbooks	QuickBooks Online, Xero, Wave, Freshbooks
Dedicated accountant user role^BVSUP-00076

Dedicated logins with role-based permissions
Custom notifications and text alerts^BVSUP-00084
Two-factor authentication using push notifications
Selective account access
ACH debit block
ACH preauthorization with debit block
ACH positive pay
Check debit block

Live customer support via phone, email, and chat
Priority customer support^BVSUP-00119
Learn more about our plans	Explore Standard	Explore Plus	Explore Premier

Run your business from anywhere.

Never step foot in a bank again with easy-to-use digital banking tools.

Accept customer payments
Get paid directly into your Bluevine account with easy, professional estimates and invoicing, secure payment links, and in-person Tap to Pay.
Explore accepting payments
Mobile banking
and check deposit
Skip the bank and deposit checks at home, in the office, or on the go with your phone.
Explore mobile deposits
Bill pay
Easily send payments via same-day ACH, free standard ACH, check, and domestic or international wire.^BVSUP-00137
Explore bill pay
Automated accounts payable
Save time with automated payments and approval workflows, which let you collaborate with your team or accountant.
Explore accounts payable
Account access
for your team
Securely share access with your team or accountant with dedicated logins for a smooth online banking experience.^BVSUP-00076
Explore account access
Sub-accounts for
easier budgeting
Organize and automate cash flow with up to 50 sub-accounts with automatic transfer rules and individual debit cards.
Explore sub-accounts
Debit cards with control
Issue up to 50 physical and virtual cards with custom spend limits, for your main account and sub-accounts.
Explore debit card
ACH fraud protection
Block ACH debits from specific accounts or payees. Upgraded plans include advanced controls like payee preauthorization and custom thresholds.
Explore ACH debit controls