How we make money: Some links on this page may earn us a commission. That never affects our scores or the order of our picks, which follow our published methodology. Advertiser disclosure
Bluevine Business Checking Review
Our take: Interest on a free business checking account when you meet simple activity rules, with unlimited transactions. Fees apply to wires and cash deposits.
Pros
- Interest on the free plan
- Unlimited transactions
- Up to $3 million of FDIC coverage
Cons
- Interest requires monthly card spend or deposits
- $15 outgoing wires and fees for cash deposits
- Bluevine is not a bank
Key facts
- Cash deposits
- Green Dot $4.95 per deposit; Allpoint+ $1 plus 0.5%
- ATMs
- Free at 37,000+ MoneyPass ATMs; $2.50 out of network
- Paid plans
- Plus $30 a month, Premier $95 a month (waivable)
- Partner bank
- Coastal Community Bank (FDIC 34403)
- Minimum to open
- $0
- Monthly fee
- No monthly fee (Standard)
- ATM access
- 37,000+ fee free MoneyPass ATMs
- Insurance
- FDIC insured through Coastal Community Bank up to $250,000. Up to $3 million through program banks
- FDIC certificate
- 34403 (Coastal Community Bank, Everett, WA)
- Who can open
- Sole proprietors, LLCs, corporations, partnerships and nonprofits
- Mobile app
- Bluevine app: 4.7 on the App Store, 4.3 on Google Play (Sep 28, 2026)
- Customer service
- During business hours
Source: Bluevine website, checked Oct 26, 2026. Insurance details from the FDIC BankFind database.
Our verdict
Bluevine is one of the few free business checking accounts that pays interest: the Standard plan earns 1.30% APY on up to $250,000 when you spend $500 a month on the debit card or receive $2,500 a month. Transactions are unlimited, and coverage can reach $3 million through program banks.
Wires and cash deposits cost extra, and Bluevine is a financial technology company, not a bank. Accounts are held at Coastal Community Bank.
Plans
Standard is free. Plus costs $30 a month and Premier $95 a month, each waivable with higher balances and card spending, and each pays a higher APY.
How we rated it
It scores well on APY and coverage, and loses points on wire and cash deposit fees. It scores 4.3 out of 5 on our scorecard for this category. See how we score on the comparison page and our methodology.
How Bluevine compares
| Account | Rating | Monthly fee | APY |
|---|---|---|---|
| Axos Basic Business Checking | 4.4 | $0 | None |
| Bluevine Business Checking | 4.3 | $0 | 1.30% |
| American Express Business Checking | 4.2 | $0 | 1.00% |
| Relay Business Checking | 4.1 | $0 | None |
| Found Small Business Banking | 4.0 | $0 | None |
Bluevine business checking FAQ
Does Bluevine Business Checking pay interest?
Yes. The free Standard plan pays 1.30% APY on up to $250,000 if you spend $500 a month on the debit card or receive $2,500 a month.
Is Bluevine a bank?
No. Bluevine is a financial technology company. Accounts are held at Coastal Community Bank, Member FDIC.
How do I deposit cash with Bluevine?
Through Green Dot for $4.95 per deposit or Allpoint+ ATMs for $1 plus 0.5%.
Ready to open Bluevine Business Checking?
Rates as of Oct 16, 2026. Confirm the current rate and terms on the provider’s site before you apply.