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Bluevine

Bluevine is a business checking account for small businesses offering high-yield interest, no minimum balance, and fee waivers tied to monthly spending or deposit activity.
Verified: May 1, 2026 Pricing verified April 2026 from Bluevine official pricing page.
Starting at
Standard free (1.30% APY). Plus $30/mo (1.75% APY, waivable). Premier $95/mo (3.0% APY, waivable). FDIC insured up to $3M.
Free Standard plan with no commitment
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Top Alternative
Mercury →

Mercury offers a similar no-fee digital banking experience with stronger startup-focused features and a cleaner interface.

Finance Specs

What We Like
  • Free Standard plan earns 1.30% APY — well above average business checking rates
  • Plus and Premier fees waivable with qualifying monthly activity
  • FDIC insured up to $3M through partner bank network
  • Business line of credit up to $250,000 available alongside checking
Considerations
  • No physical branches — cash deposits require Green Dot locations at extra cost
  • No savings account — interest earned only on checking balance
  • International wire transfers not supported natively
  • Customer support is online-only
Expert Verdict
A strong choice for digital-first small businesses wanting above-average interest on checking. Mercury is the closest competitor — choose Bluevine if the higher APY matters more.

Bluevine is a fintech business banking platform serving over 500,000 small businesses. It offers business checking accounts with above-average interest rates, no minimum balance, and fee structures that can be reduced to zero with qualifying activity.

The Standard plan is free and earns 1.30% APY on balances up to $250,000. Plus at $30/month bumps the rate to 1.75% APY — waivable with $500/month in debit spending or $2,500 in deposits. Premier at $95/month earns 3.0% APY — waivable with $2,000 spending or $5,000 deposits.

Bluevine also offers a business line of credit up to $250,000, integrating banking and credit for businesses with variable cash flow.

FDIC insurance coverage extends up to $3 million through partner banks — significantly higher than the standard $250,000 at traditional banks.

The main limitation is no physical branches. Cash deposits require Green Dot locations, which charge fees per transaction. For digital-first businesses, Bluevine competes directly with Mercury and Relay.

Ready to get started with Bluevine?

Frequently Asked Questions

Is Bluevine a real bank?

Bluevine is a fintech platform. Deposits are held at partner banks including Coastal Community Bank and are FDIC insured up to $3 million.

How does Bluevine compare to Mercury?

Both offer no-fee digital business checking. Bluevine pays higher interest rates. Mercury has a cleaner interface and better startup-focused features.

Can I deposit cash with Bluevine?

Yes, via Green Dot locations including Walmart and CVS. Green Dot charges a fee per deposit, typically $4.95.

Does Bluevine offer loans?

Yes. Bluevine offers a revolving business line of credit up to $250,000 at rates starting around 6.2% for qualified applicants.

What are the fee waiver requirements?

Plus ($30/mo) is waived with $500/mo in debit spending or $2,500 in monthly deposits. Premier ($95/mo) is waived with $2,000 spending or $5,000 deposits.

Advertiser Disclosure: Pricing verified April 2026 from Bluevine official pricing page.. We may receive compensation for clicks or purchases on this site.

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