Small Business Resources

Read through guides and FAQs to quickly answer your questions.

Business Checking FAQs

Small businesses can avoid the complicated fee structures and hidden fees often associated with traditional banks. Bluevine Business Banking offers unlimited transactions, no monthly fees, no minimum balances or deposits, no ACH payment fees, no NSF charges, nor ATM fees at 37,000+ locations in the MoneyPass® network.

The only fees associated are with expedited debit card replacements, cash deposit fees at Green Dot® retail locations ($4.95) and outgoing wires ($15), which is significantly lower than the industry standard.

You can apply for a Bluevine Business Checking account in a few minutes with some basic information about you and your business. With a Bluevine Business Checking account, you have the option to deposit funds into your account with reliable, fast, and responsive customer service.

Meet one of the following monthly eligibility requirements to earn 1.5% interest on balances up to and including $100,000.

Spend $500 per month with your Bluevine Business Debit Mastercard® issued by Coastal Community Bank pursuant to a license from Mastercard inc, which you can use everywhere Mastercard® is accepted

OR

Receive $2,500 per month in customer payments into your Bluevine Business Checking account via ACH, wire transfer, mobile check deposit, or directly from your merchant payment processing provider

There are a few ways that you can send and receive money. You can easily make payments to vendors or external accounts through ACH or domestic wire transfers. Add funds into your Bluevine Business Checking account through a mobile check deposit, initiate a transfer from external accounts within the Bluevine Dashboard, or initiate a transfer within your external bank account outside of Bluevine. You can also receive incoming domestic wires at no cost. Outgoing wires are $15 per transaction, which is significantly lower than the industry standard.

As long as you maintain a balance in your account, you can also get 200 at no cost checks by ordering through your Bluevine dashboard, so you can write checks from your balance.

All business owners are invited to apply for a bank account. To open an account, you must be:

  • A small business owner
  • At least 18 years old
  • A U.S. citizen or permanent U.S. resident with a verifiable address in one of the fifty (50) United States or the District of Columbia
  • Not in the following industries: Adult Entertainment, Gambling, Weapons and Firearms, Illegal Substances, Virtual Currency

Other restrictions may apply. Full terms and restrictions may be found in the agreement at the time of application.

Ineligible locations: U.S. Territories including Puerto Rico.

Interest is calculated as simple interest daily and credited monthly. Interest is computed on a calendar year basis. We pay interest only in whole cents. Therefore, at the end of each monthly interest payment period, any fractional amount of interest less than half of one cent will be rounded down and any fractional amount of interest equal to half of one cent or more will be rounded up to the next whole cent.

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