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Bluevine

Bluevine Business Checking

By Alex Compton · Last verified

The free business checking account that pays real interest

9.0
Our Rating
APY / yield
1.3% variable APY on up to $250,000 with $500 monthly eligible Bluevine debit or Cashback Mastercard spend or $2,500 in monthly customer payments; paid Plus 1.75% up to $250,000, Premier 3.0% on all balances
Monthly Fee
$0 (Standard)
Minimum to Open
None
ATM Access
No fee at MoneyPass ATMs; $2.50 Bluevine fee outside the network plus possible operator charges

Insurance: Eligible deposits up to $3 million through Coastal Community Bank and program banks, subject to pass-through requirements and other deposits at those banks

Account Terms History

A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.

ObservedAPY / yieldMonthly feeMinimumEvidence
2026-10-231.3% variable APY on up to $250,000 with $500 monthly eligible Bluevine debit or Cashback Mastercard spend or $2,500 in monthly customer payments; paid Plus 1.75% up to $250,000, Premier 3.0% on all balances$0 (Standard)NoneOfficial provider terms and current help →Scoped correction from binding interest terms: eligible Standard spending can use Bluevine debit or Cashback Mastercard. Paid-plan fee waivers still specify debit spending. Client payments must post and settle in the eligibility period; own-account transfers do not qualify. Full-record date and prior history retained.
2026-10-221.3% variable APY on up to $250,000 with $500 monthly Bluevine debit spend or $2,500 in monthly customer payments; paid Plus 1.75% up to $250,000, Premier 3.0% on all balances$0 (Standard)NoneOfficial provider terms →Corrected payment fees, checkbooks, debit-only waiver spending, activity requirement and ATM fees from current pricing and fee schedule.
2026-10-191.3% on balances up to $250,000 (Standard, with activity); up to 3.0% on Premier (as of September 2026)$0 (Standard)NoneArchive record · no attached snapshotPreviously published snapshot; later corrections are recorded below.

Primary-source verification log

Append-only evidence ledger
  1. changed

    Scoped correction: Standard interest spending permits debit or Cashback Mastercard; paid-plan waiver remains debit-only. Previous history and full-record date preserved.

    Fields: apy, plans, bestFor, termHistory

    Bluevine binding interest accrual terms →
  2. changed

    Confirmed zero opening minimum, $2.50 out-of-network ATM fee, cash deposit fees and debit-only waiver spending.

    Fields: minimumOpen, atm, plans

    Bluevine account fee schedule →
  3. changed

    Reverified interest, fee waivers, sub-account limits, checkbooks and payment pricing; corrected false free-wire and ACH claims.

    Fields: apy, plans, features, pros, cons, ourTake, lastVerified

    Bluevine current plan comparison →
  4. confirmed

    Standard/Plus/Premier APY tiers and fees unchanged

    Bluevine Business Checking page →
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Plan Options

Standard

$0

1.3% up to $250,000 with $500 monthly eligible Bluevine debit or Cashback Mastercard spend or $2,500 monthly customer payments

  • ▸No monthly fee or minimum opening deposit
  • ▸One free checkbook for the lifetime of a funded account
  • ▸Up to five sub-accounts; team access and approval workflows

Plus

$30, waived with $20,000 average daily balance and $2,000 Bluevine debit spending each billing period

1.75% up to $250k

  • ▸Up to 10 sub-accounts
  • ▸Same-day ACH $8; domestic wires $12
  • ▸Two free checkbooks annually for funded accounts

Premier

$95, waived with $100,000 average daily balance and $5,000 Bluevine debit spending each billing period

3.0% on all balances

  • ▸Up to 50 sub-accounts
  • ▸Same-day ACH $5; domestic wires $7.50
  • ▸Three free checkbooks annually for funded accounts

Features

  • ▸Interest-bearing Standard checking with a monthly activity requirement
  • ▸Sub-accounts and automated transfers for budgeting
  • ▸Green Dot cash deposits cost up to $4.95; Allpoint+ deposits cost $1 plus 0.5%
  • ▸Bill capture, approval workflows and bulk payments
  • ▸Physical and virtual team debit cards with spend controls
  • ▸QuickBooks Online, Xero, Wave and FreshBooks integrations

Pros

  • +No Standard monthly fee or opening minimum
  • +Can earn interest on operating funds
  • +Sub-accounts, team access and payment approvals
  • +Eligible deposits can receive extended sweep coverage

Cons

  • −Cash deposits and out-of-network ATM use carry fees
  • −Standard interest requires qualifying monthly activity
  • −Paid plans still charge for same-day ACH and wires
  • −No branch service

Our Take

Bluevine is worth comparing for a digital LLC that can meet the interest activity requirement. Count expected cash, wire and ACH costs before choosing a plan. A paid tier makes sense only when its added features or net interest justify its cost.

Best for: Businesses that can meet Standard interest eligibility and want no monthly maintenance fee

Open at Bluevine →

Last verified 2026-10-22

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