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 * Business Checking
   Overview
   Business CheckingA powerful account built for
   small business—earn
   high-yield interest, save on fees, and never go to the bank again.Learn more
   about Business Checking
   Features & benefits
   No monthly feesNo monthly or overdraft fees, plus free standard ACH
   transfers.
   Accounts payableSave time on bill management and automate your payments.
   High APY on checking Earn over 15x the national average‡ or more with an
   upgraded plan.
   International paymentsSend and receive money globally in as fast as 24 hours.
   Physical and virtual debit cardsIssue debit cards with spending limits to
   your team.
   Sub-accountsEasily manage budgets using multiple accounts.
   
   --------------------------------------------------------------------------------
   
   Explore all features
   See plans and pricing
   Earn and save even more with our Plus
   and Premier
   plans—with up to
   4.0% APY and discounts on
   payment fees.Choose the plan
   that's right for you
 * Business Loans
   Overview
   Business LoansFinancing tailored to your business needs, with a quick and
   easy application process.Learn more about Business Loans
   Products
   Line of CreditGet ongoing access to the working capital you need to grow,
   with a Bluevine Line of Credit up to $250K and competitive rates.
   Term LoanAccess a lump sum of up to $500K◊ from our lending partners, with
   predictable repayment terms up to 24 months.
   SBA LoanGet connected to lenders to help you access SBA 7(a) loans up to
   $350K.
   Small business owner’s guide to building and using business credit.Read guide
 * Credit Card
   Credit Card The Bluevine Business Cashback Mastercard—Earn unlimited 1.5%
   cash back on every business purchase and pay no annual fee.
 * Solutions
   Business Type
   Partners
   Self-employedSave time and money with integrated business tools and no
   monthly fees.
   Small businessEarn interest, collaborate with your team, and move money
   effortlessly.
   StartupsScale faster with high APY, built-in AP automation, and access to
   credit.
   Partners
   Accounting firmsGet secure tools for your firm and better banking for
   clients.
   Accountant directoryHelp set your practice up for growth by being listed in
   our accountant directory.
   See why business owners like you love Bluevine.Read reviews
 * Resources
   Overview
   Small Business Resource CenterFind everything you need to know—like how to
   get started and how to put your Bluevine account to work.Explore resources
   Resource type
   FAQsGet quick answers to common questions about all things Bluevine.
   BlogRead our latest articles, tips, and resources for small businesses.
   Help CenterSearch by topic or contact our support team for in-depth help with
   your account.
   GuidesExplore your account features from top to bottom with these
   comprehensive guides. 
   Accountant DirectoryNeed accounting help? Find a professional on Bluevine’s
   Accountant Partner directory.
   Your security is our top priority.Learn more about Security
 * Company
   Overview
   About us Through innovative banking solutions, we empower growing businesses
   to thrive—today and tomorrow.Learn more
   Explore
   CareersView our open roles, get to know our values, and learn about employee
   benefits.
   PressDiscover what’s new at Bluevine with our latest news and announcements.
   PartnersWork with us to offer best-in-class financial solutions to your small
   business clients.

 * Sign in
 * Open account


BUSINESS CHECKING
BUILT FOR YOU.

Power your business with up to 4.0%
APY,1 FDIC protection up to $3 million,2
and no monthly fees.3

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.




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 monthly3 or overdraft fees, no minimum balance, free standard ACH, and
unlimited transactions.4 Our most active customers save $500/year in fees.5


EARN HIGH INTEREST
ON CHECKING.

Get 1.5% APY with our Standard plan if you meet a monthly
activity goal. Or, earn up to 4.0%
APY 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.2

Sign up for our Plus or Premier checking plans to get up to
4.0% APY and discounts on most Standard payment fees.

Compare plans


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.6
   
   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.7
   
   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 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®.8
   
   Explore debit card


 * SECURE ACH
   DEBIT CONTROLS
   
   Block ACH debits from your main account and sub-accounts, or from specific
   payees. Plus and Premier customers can also preauthorize specific payees to
   debit from blocked accounts.
   
   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.9


 * $3 MILLION IN
   FDIC COVERAGE
   
   Know your business checking deposits are
   safe up to $3 million.2


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


HOW CAN I EARN INTEREST ON MY BLUEVINE BUSINESS CHECKING BALANCES?

Eligible customers can earn up to 4.0% 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 4.0% 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.


ARE THERE ANY FEES OR MINIMUMS?

Our Business Checking customers enjoy a straightforward fee structure. We don’t
charge monthly fees,3 overdraft fees, incoming domestic wire or ACH fees,6 or
in-network ATM fees.10 We also don’t have a minimum balance requirement or
limits on the number of transactions you can perform.4

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.


ARE MY DEPOSITS FDIC-INSURED?

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.


WHAT DO I NEED TO APPLY FOR A BLUEVINE BUSINESS CHECKING ACCOUNT?

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.

Show more


EXPLORE HELPFUL GUIDES.

Learn how to make the most of your Bluevine account with these in-depth product
guides and resources.

View all guides

Business Checking


WHAT’S REQUIRED TO APPLY FOR A BUSINESS CHECKING ACCOUNT?

Applying for Bluevine Business Checking is fast, easy, and secure—whether you’re
a sole proprietorship...

Read more

Business Checking


HOW YOU CAN EARN 1.5% APY

See how you can earn 15x the national average when you meet a monthly activity
goal...

Read more

Business Checking


STREAMLINE TRANSACTIONS BY CONNECTING FINANCIAL APPS.

With Business Checking from Bluevine, you can connect your account to your
favorite business tools...

Read more


READY TO APPLY FOR
BUSINESS CHECKING?

Open account

Submit your application in just a few minutes.11

Bluevine is a financial technology company, not a bank. Banking services
provided by Coastal Community Bank, Member FDIC.

 * Contact Us
 * About Us
 * Careers
 * Press

Products
 * Business Checking
 * Line of Credit
 * Credit Card
 * Accountants & Bookkeepers

Resources
 * Help Center
 * FAQs
 * Business Blog
 * Partners
 * Customer Reviews

Legal
 * Terms of Use
 * Bluevine Privacy Policy
 * Coastal Community
   Bank Privacy Policy
 * Accessibility
 * Bluevine Payment
   Terms of Service
 * European Privacy Notice
 * Your Privacy Preferences
 * Advisory Agreement

 * 
 * 
 * 
 * 

Bluevine is a financial technology company,
not a bank.

Deposits are FDIC insured up to $3,000,000 per depositor through Coastal
Community Bank, Member FDIC and our program banks.

 * The national average and comparison are based on interest rates paid by U.S.
   depository institutions as calculated by the FDIC.
 * Applications are subject to credit approval. Rates and terms may vary based
   on your creditworthiness and are subject to change. Eligibility for the
   maximum funding amount is available only to applicants with the strongest
   credit profiles. Offerings and eligibility requirements vary by partner.

 1.  Premier and Plus plan customers automatically earn interest on their
     available balances. Standard plan customers will earn interest on their
     available balances if they meet an eligibility requirement as detailed in
     the Terms of Interest Accrual which is incorporated as a part of the
     Bluevine Business Checking Account Agreement.↵
 2.  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. For complete details, please visit
     https://bluevine.com/business-checking/fdic-protection.↵
 3.  No monthly fee only applies to the Bluevine Business Checking account
     standard plan.↵
 4.  No limit on number of transactions. However, checking accounts are subject
     to the deposit and withdrawal amount limits as set forth in the Bluevine
     Business Checking Account Agreement.↵
 5.  Average annual savings based on comparison of Bluevine’s top 1% of
     customers with at least 44 transactions per month, using checking products
     offered by the top six banks in the U.S.↵
 6.  Payment fees depend on your selected account plan. Check payments sent from
     your Bluevine dashboard have a $1.50 fee per check. Plus and Premier plans
     come with a limited number of free check payments. The fee will apply for
     each additional check payment. Same-day ACH payments have a fee of up to
     $10, and must be submitted by 2:00pm ET to arrive same-day. Outgoing wires
     have a fee of up to $15. International payments sent in U.S. dollars come
     with a fee of up to $25 USD per payment. For payments sent in a foreign
     currency, also pay up to 1.5% of payment amount as converted to USD. The
     only eligible funding method for international payments is Bluevine
     Business Checking accounts. Payments are sent out from 8am–5pm ET every
     business day. International payments are available to most businesses,
     subject to eligibility determined by Bluevine. Exceptions include
     businesses based in Nevada or in the categories of finance, insurance, or
     mining.↵
 7.  Customers and Account Administrators are fully responsible for all activity
     and actions taken by any Additional User, as well as adherence to all terms
     and conditions. Bluevine and its partners are not responsible for any
     Additional User action or activity.↵
 8.  Use your Bluevine Business Debit Mastercard on qualifying purchases at
     participating Easy Savings merchants and your rebates will be automatically
     applied to your checking account. Earn a 4% rebate now at more than 20,000
     restaurants across North America through Dinova’s exclusive business dining
     network 1% Fuel rebate is available at 19,000 participating Fuelman Network
     gas stations across North America, on purchases up to $100. Hotel
     transactions have a maximum rebate of $20. See full program terms here. By
     participating, you agree to all Mastercard Terms of Use.Mastercard and
     Priceless are registered trademarks, and the circles design is a trademark
     of Mastercard International Incorporated. ©2022 Mastercard.↵
 9.  Standard message and data rates may apply. For help or to opt-out of text
     messages at any time, reply “Help” or “STOP” to any message. For more
     information, see Bluevine’s Registration Terms and Privacy Policy.↵
 10. Bluevine charges a $2.50 fee for ATM transactions outside of the MoneyPass®
     network. Additional third-party ATM fees may vary by ATM operator.↵
 11. Based on user testing.↵

Bluevine is a financial technology company, not a bank. Banking Services
provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the
failure of an FDIC-insured bank. FDIC insurance is available through
pass-through insurance at Coastal Community Bank, Member FDIC, if certain
conditions have been met. Bluevine accounts are FDIC insured up to $3,000,000
per depositor through Coastal Community Bank, Member FDIC and our program banks.
The Bluevine Business Debit Mastercard® and Bluevine Business Cashback
Mastercard® are issued by Coastal Community Bank, Member FDIC pursuant to a
license from Mastercard International Incorporated and may be used everywhere
Mastercard is accepted. Mastercard is a registered trademark and the circles
design is a trademark of Mastercard International Incorporated.

Mastercard, Mastercard Easy Savings, Mastercard Airport Concierge, Priceless
Surprises and the circles design are registered trademarks and Mastercard ID
Theft Protection is a trademark of Mastercard International Incorporated.

Application is subject to approval. No monthly or maintenance fees. Card
Replacement Fees and Wire Transfer Fees may apply.

Banking Services for payments made via ACH or wire from the Bluevine Business
Checking Account are provided by Coastal Community Bank, Member FDIC. Certain
Bill Pay funds are temporarily held during payment processing by Silicon Valley
Bank, a division of First-Citizens Bank & Trust Company. Money transmission
services for International Payments are provided by a third party and are also
subject to their applicable terms and conditions.

The Bluevine Line of Credit is issued by Celtic Bank and is serviced by
Bluevine. Applications are subject to credit approval. Rates, credit lines, and
terms may vary based on your creditworthiness and are subject to change.
Additional fees apply. Other commercial credit products are offered by a variety
of Bluevine’s third party partners. Bluevine is not involved in the issuance or
servicing of these products. Offerings and eligibility requirements vary by
partner.

Certain financing may be made or arranged pursuant to California Financing
Law-License No. 6054789.

All other product names, logos, brands, trademarks, and registered trademarks
are property of their respective owners. All company, product, and service names
used in this website are for identification purposes only. Use of these names,
trademarks, and brands does not imply endorsement.

® 2024 Bluevine Inc. All Rights Reserved. “Bluevine” and the Bluevine logo are
registered trademarks of Bluevine Inc.




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However, blocking some types of cookies may impact your experience of the site
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