Bluevine offers fee-free business checking with up to 3% APY, a $250K line of credit, and bill pay for U.S. small businesses. Compare plans and pricing.
Bluevine is a financial technology company, founded in 2013 and headquartered in Redwood City, California, that provides online banking products for small businesses. Rather than holding its own bank charter, Bluevine partners with Coastal Community Bank, Member FDIC, to offer checking accounts, while extending FDIC coverage up to $3 million through a sweep network of partner banks.
The platform is built around Bluevine Business Banking, a fee-free-to-premium tiered checking account line, alongside a business line of credit product. It targets small business owners, freelancers, and startups who want digital-first banking with competitive interest on cash balances and fast access to working capital.
Bluevine's checking accounts pay annual percentage yield on balances, ranging from 1.30% on the free Standard plan to 3.00% on the Premier plan, with no monthly fees required on Standard and fees waivable on the paid tiers when balance or activity conditions are met. All plans include unlimited transactions, no overdraft fees, mobile check deposit, and a business debit card.
The Premier plan adds advanced ACH debit controls so businesses can set thresholds and approve or block outgoing debits before they post. Bluevine also offers a revolving business line of credit of up to $250,000, bill pay for scheduling vendor payments, and integration with QuickBooks Online for bookkeeping. iOS and Android apps let owners manage banking from a mobile device.
Bluevine checking has three tiers: Standard (free, up to 1.30% APY), Plus ($30/month, waivable, 1.75% APY), and Premier ($95/month, waivable, 3.00% APY on all balances up to $3 million). Monthly fees on Plus and Premier can typically be waived by meeting a minimum balance or deposit activity requirement, so many customers pay nothing.
The business line of credit is a separate product with its own draw and repayment terms rather than a flat subscription fee, and availability can vary by state and applicant eligibility.
No. Bluevine is a financial technology company; banking services are provided by its partner, Coastal Community Bank, Member FDIC.
Up to 3.00% APY on the Premier plan, applied to all balances up to $3 million.
The Standard checking plan is free. Plus ($30/month) and Premier ($95/month) fees can be waived by meeting balance or activity requirements.
Bluevine offers business lines of credit up to $250,000, subject to eligibility and state availability.
Deposits are swept across a network of partner banks, extending FDIC coverage up to $3,000,000 per depositor, above the standard $250,000 limit at a single bank.