Bluevine Business Checking is a premier checking account thoughtfully designed for a simple, all-in-one digital banking experience. The Bluevine Business Checking app lets you manage cash flow, pay bills, track transactions, and deposit checks right from your phone.
EARN MORE INTEREST
* Eligible customers can earn competitive interest on balances up to $3 million with one of our business checking plans.
NO MONTHLY FEES
Make all the deposits or payments you need with no limit on your number of transactions.** Plus, you can save with no monthly or overdraft fees and no minimum opening deposit or balance requirements.
BUDGET BETTER WITH MULTIPLE ACCOUNTS
You can now manage up to 5 sub-accounts so you can easily budget for taxes, payroll, and more. Each sub-account comes with a designated account number so you have more control over your finances.***
BANK FROM ANYWHERE
Deposit checks, transfer funds, and pay bills from your mobile device. You can also deposit or withdraw funds at 37,000+ in-network MoneyPass locations nationwide.****
ADVANCED SECURITY
Bank with confidence and peace of mind. Your Bluevine account is FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. We protect your Bluevine account with industry-leading security protocols. For example, you can instantly lock your debit card if you lose or misplace it.
For more information, visit https://www.bluevine.com/ccbx-checking-agreement/
BLUEVINE IN THE NEWS
“Bluevine has demonstrated a track record of success with their multiple financing products and set themselves apart with their vision of a complete platform of innovative banking products for small businesses.” -TechCrunch
“No one that we know is building or has built a bank designed and built specifically for small businesses. And that is what we’re doing.” -Banking Dive
LEGAL DISCLOSURES
Bluevine is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC. 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® is 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.
Bluevine Privacy Policy: https://www.bluevine.com/privacy-policy/
Coastal Community Bank Privacy Policy: https://www.coastalbank.com/privacy-notice.html
*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 Bluevine Business Checking Account Agreement, https://www.bluevine.com/ccbx-checking-agreement. Bluevine Plus and Standard customers will earn interest on total Bluevine Business Checking balances up to $250,000. No interest earned on balances over $250,000. Bluevine Premier customers will earn interest on total Bluevine Business Checking balances up to $3,000,000. No interest earned on balances over $3,000,000. Any interest accrued and payable for an account or sub-account will be paid to your main account.
**No limit on the number of transactions. However, checking accounts are subject to the monthly deposit and withdrawal amount limits of the user agreement: https://www.bluevine.com/ccbx-checking-agreement/.
***Sub-accounts can only be opened on the desktop or mobile browser version of the Bluevine Dashboard experience. Customers will receive a Bluevine Business Debit Mastercard only for use with the main Bluevine Business Checking Account.
****Bluevine charges a $2.50 fee for ATM transactions outside of the MoneyPass® network. Additional third-party ATM fees may vary by ATM operator.
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Bluevine FAQ
Is Bluevine free?
Yes, Bluevine is completely free and it doesn't have any in-app purchases or subscriptions.
Is Bluevine legit?
⚠️ Warning: Multiple users of Bluevine have mentioned scam or fraud. Investigate thoroughly before using this app.
I got my debit card and never made a transaction! I tried connecting my website (Stripe) e-commerce platform to the checking account so that my e-commerce deposit could be automatically deposited to the checking. After doing so I got locked out of my account and when I called because I couldn’t remember my password, I had to talk to some person who was a review, person is what they told me and she treated me like I was a thief and was trying to steal all the money out of my account. She never asked me for any proof of any kind that I was the owner of my business. She never asked me for a picture of my drivers license. And when we got off the phone, she had me change my password and my email address. And then help me login. The next morning, I tried to log into my account. I was locked out again. So I called again and I get to customer service and the person tells me your account was closed and I asked what about my money that’s in the account and she says we’re mailing you a check she would give me no other information other than that.. 7/23/24 My account has been closed since 1 July. I have not gotten my refund check. So essentially Bluevine stole my money. Granted it was not very much money. It was only like $33. But still it was my $33. So I called again today and I get absolutely nowhere so then I talk to a supervisor and I still get absolutely nowhere and I still have no idea where my money is again. Bluevine stole my money! Save yourself a headache and do not ever open an account with these fraudulent people.
I am not interested in opening my account with the scammers again so no thanks
App is always “down”
Every single morning that I check the app is down. I don’t understand???? I need to check if I have been paid by my customers but I can’t check until the afternoon. What the heck
No cash deposits available
Recently I needed to deposit cash into my business account for upcoming expenses.
I contacted Bluevine chat and was sent a link that said Allpoint ATMs as well as Green Dot at Walmart would accept cash deposits.
The truth is that Allpoint ATMs DO NOT accept cash deposits and the option isn’t even available in their on screen menu. Green Dot doesn’t even exist at Walmart and hasn’t for some time.
Simply put…you CANNOT make cash deposits(or checks other than ACH) to your Bluevine Business account. Even if you could you would be charged a percentage of your DEPOSIT.
I am in the process of closing my account and doing business with other banking agencies.
Thank you
Unable to access me account
I have not been able to access my account since I got it. Have gave them many calls and they have gave me every excuse why they cannot help me get into my account first it was because they said my account number was wrong. I gave it back to them and they were just typing it in wrong now. It’s because my phone number changed and if it’s not one thing, it’s another I don’t recommend this bank at all. I have not been successful with getting my money out of the account. I also don’t even have a debit card and I had the account since August 2023. They refuse to help me get into my account.
Mobile Check Deposit Issues
I manage a small nonprofit and we have been waiting for months for a check to run our summer programs. I attempted to upload the check via Bluevine’s mobile app. After trying and failing over 15 times with no instruction or feedback on why the deposit was failing, I finally spoke to a human. I was then told that I just had to get a new check cut….but no one could tell me why the first check was not working or accepted. There is no backup system in place in case the ONLY method of uploading a check is faulty. I asked if I could email images of the check or try a different way and was met with indifference.
Disappointed
Unfortunately, I have experienced numerous issues with this banking institution. Initially, I believed Bluevine would be ideal for my small business, but it has several drawbacks compared to other business bank accounts.
Firstly, the absence of a virtual or temporary card has been problematic. Additionally, I was unable to link a debit card to the account, despite spending over three hours on the phone with customer service. They were unable to resolve the issue and could only offer to create a support ticket.
This situation is particularly challenging for me as it limits my ability to access funds without incurring fees. I am now left with the payee option, which requires either a $10 ACH fee or a $15 wire fee for same-day access to funds.
Overall, the inconveniences are too significant, and I have decided to close my account.
* preferred alternative (small businesses): Found Bank, and Novo Bank
Expect T+4 settlement periods, unheard of in finance
Yes, better than average interest.
But, no customer support and terrible settlement periods. Crushing wait periods for cash. At least 4 business days for a transfer to clear.
And, similarly, they do not offer zelle or other payment options. Checks *with 5-7 BUSINESS DAYS* mailing via USPS or ACH.
Carefully consider before signing up.
Do NOT use this company!
I rarely write reviews however this company I thought would be great did my business accounts. They have horrible operations. The platform is cumbersome and their support is nonexistent. Do not use them for any reason.
App has trouble opening
For about the past month, it takes multiple attempts to open the app, says not working, then finally opens. Otherwise been a pretty solid app.
Absolute trash
I’ve had this account for a few years. Every month or so it tries to forget my Charles Schwab checking account so I can’t transfer money out, it always takes 3 to 4 days to transfer money even though anywhere else it takes one day, the customer service is typically poor, or difficult to get a hold of. I completely regret using this bank and the only reason I haven’t changed is because it takes a whole bunch of paperwork for me, but I’m still highly considering changing due to the fact that the banking transfers take four days, the customer service is awful, the app never works, it’s literally the worst bank, or at least one of the worst banks. In fact, just writing this review is really strongly Encouraging me to change now.