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The Bluevine Business Checking Account offers unlimited transactions with no monthly fees and a high APY that is 50x above the national average. There are no minimum balance or minimum deposit requirements to get started.
Summary: With Bluevine’s Business Checking, you’ll be able to manage your funds easier with their sub-account feature, while earning a high APY on all accounts.
Deposits & Withdrawals
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|HQ||401 Warren Street Redwood City, CA|
|Min. To Open||$0|
|Min. Deposit For No Fee||$0|
|Transfer Fee||$0 for ACH transfers|
|ATM Fee||Fee-free at 37,000+ MoneyPass locations|
|State Restrictions||Available in all US States|
Bluevine offers a business checking account that is built with small businesses in mind. With innovative financial solutions to help small businesses succeed, its core mission is to empower you to thrive and grow.
There are no monthly fees. Plus, the account provides an impressive list of benefits such as integration with online business tools, sub-accounts to help you manage your finances, and two free checkbooks.
Additionally, the account offers a high APY which can be earned on balances up to $100,000 provided you meet one of the two following criteria:
You can get started with a Bluevine online in just a few minutes. The process is simple and you’ll need to provide the following information:
You do not need a minimum deposit to open an account. To be eligible, you must be at least 18 years old and a U.S. citizen or permanent resident.
Bluevine does not allow businesses in the following industries but not limited to:
Bluevine does not charge an account opening fee or monthly maintenance fee. The business checking account eliminates many common charges including:
The fees you should consider before opening an account include:
Key features for Bluevine’s Business Checking Account include the following:
With Bluevine, you can have up to five sub-accounts to easily manage budgets for expenses and more. You can transfer money between accounts instantly and there is no limit to the number of transactions you can make each month.
Each sub-account will have a dedicated account number that can be used to pay vendors or suppliers. You can also use the accounts to put money aside for taxes or payroll.
There are no monthly fees for the sub-accounts and you can earn up to 1.5% APY for total balances up to $100,000 across your accounts.
You can also send and receive money using ACH or wire transfers. Although, sub-accounts do not allow for cash deposits.
With Bill Pay, you can simplify your business bills and schedule outgoing payments. Syncing your account with QuickBooks, you can pay vendors via credit card, check, ACH, or wire transfer.
Payments can be made one time or set up with a recurring schedule, so you don’t have to worry about making a late payment again.
Interest on balance
High APY on balances up to $100,000 (50x the national average). Customers need to meet one of the following monthly eligibility requirements to continue earning the high APY for any month going forward:
There are several ways you can send and receive money with the business checking account. You can deposit cash or checks at participating retail locations or by using a mobile check deposit. It typically takes 1 – 4 business days for a check to clear.
In addition, you can make ACH or domestic wire transfers or withdraw cash using an ATM.
Bluevine is a branchless bank. There is no in-person customer service support available at a physical branch. To get in touch with customer support, you can message the team through the help center on the website.
For urgent issues you can call (888) 216-9619 Monday through Friday 8 am to 8 pm (ET) or you can send an email for a non-urgent issue. There is also a live chat available to get quick answers to your questions about products and services.
Bluevine is a financial technology company, not a bank. Deposits are FDIC insured for up to $250,000 through Coastal Community Bank.
Bluevine’s Business Checking Account is a great option for small businesses looking for an account with no monthly fees, unlimited transactions, and no minimum balance requirements. In addition, there are no fees for ACH transfers, overdrafts, or incoming wire transfers, and you can earn up to 1.5% on balances up to $100,000.
Plus, small business owners can benefit from sub-accounts and software integrations such as QuickBooks to help better manage business finances.
Although, if your business is dependent on cash deposits, you may want to consider alternative options that do not charge a $4.95 fee, as these costs can add up over time.