Bluevine is a business checking platform for small businesses. Accounts include sub-accounts, and the three plans differ mainly in interest rate, wire fees and how the monthly fee can be waived.
Bluevine lets you issue debit cards to employees you trust, set daily or monthly spending limits, and track spending by user. You can deposit checks from your phone and deposit cash with your debit card at Green Dot and Allpoint+ locations. Automated accounts payable tools help you manage and schedule invoice payments, and you can send professional invoices to customers. Team members get their own secure logins, with several permission options.
Bluevine describes its banking as designed for small businesses. Business Checking is open to qualified businesses registered in the U.S. whose owners are in select countries. Accountants and bookkeepers get their own dashboard, where one login reaches all of their clients’ accounts. From there, they can view client statements and check images, upload bills for clients and route payments for approval. Bluevine also offers a credit line for ongoing access to working capital.
Bluevine connects with QuickBooks Online to automatically sync transactions, bills, bill categories and payees. Through Stripe, you can handle payment processing inside your Bluevine dashboard. Other connections include Xero, Wave, Expensify, Gusto for payroll, Venmo and Cash App, and Plaid links your account to many more financial tools. Live support is available by phone, email and chat during business hours.
Standard costs nothing and earns interest when you meet a monthly card-spend or deposit requirement. Plus and Premier charge a monthly fee that can be waived with a high average balance plus card spend, and they earn interest with no activity requirement, Premier on all balances. Current rates and fees are in the pricing box above.