Bluevine
Bluevine Business Checking
The free business checking account that pays real interest
Insurance: FDIC insured up to $3 million through Coastal Community Bank and sweep network
Live Bonus
This account currently pays a $300 opening bonus: $300 with referral code NWCHECK724; targeted codes periodically pay $500. See the full requirements.
Plan Options
Standard
$0
1.5% up to $250k with $500 monthly debit spend or $2,500 monthly deposits
- ▸No monthly fee, no minimum balance
- ▸Unlimited transactions, no NSF fees
- ▸Two free checkbooks per year
Plus
$30, waived with $20k average daily balance + $2k monthly Bluevine debit/credit spend
2.7% up to $250k
- ▸Higher APY tier
- ▸50% off standard payment fees (same-day ACH, wires)
- ▸Priority support
Premier
$95, waived with $100k average daily balance + $5k monthly Bluevine debit/credit spend
3.7% up to $250k
- ▸Highest APY tier
- ▸Free same-day ACH and free outgoing wires
- ▸Dedicated support line
Features
- ▸Interest-bearing business checking with no monthly fee at the Standard tier
- ▸Sub-accounts (up to 5) with their own account numbers for envelope budgeting
- ▸Cash deposits via Green Dot retailers ($4.95 fee) and Allpoint+ ATMs
- ▸Same-day ACH, domestic and international wires
- ▸Accounts payable suite built in: pay bills by ACH, wire, or check
- ▸Debit cards for authorized users with spend controls
- ▸QuickBooks, Xero, and Wave integrations
Pros
- +Industry-leading APY on checking balances most banks pay nothing on
- +Genuinely free at the Standard tier with no balance minimums
- +FDIC coverage to $3M via sweep beats the standard $250k cap
- +Fast online opening with light documentation for sole props and LLCs
Cons
- −No physical branches; cash deposits cost $4.95 at retail partners
- −APY above 1.5% requires fee tiers or activity hurdles
- −No joint or multi-member approval workflows at Standard tier
- −Holds on some incoming payments reported by high-volume users
Our Take
Bluevine is the default answer for small-business checking. The Standard tier is free, pays 1.5% on up to $250k, and the activity hurdle is trivial for an operating business. Plus and Premier only make sense if you keep six figures parked and value the wire fee waivers. If you handle a lot of physical cash, pair it with a branch bank instead of fighting the deposit fees.
Best for: Small businesses that want yield on operating cash without fees
Open at Bluevine →Last verified 2026-06-11
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