Bluevine
Bluevine is an online business banking platform for US small businesses, with interest-bearing checking, invoicing, bill pay and lines of credit up to $250,000.
Bluevine is an online business banking platform for US small businesses, offering checking with interest, invoicing, bill pay and a line of credit of up to $250,000. It is a financial technology company, not a bank: Coastal Community Bank and program banks hold the deposits. The Standard plan has no monthly fee; Plus costs $30 a month and Premier $95 a month, both waivable with high balances and card spending.
A low-cost online checking account for US small businesses that invoice clients. Check the payment fees against how often you wire or mail checks.
An online business checking account from a fintech, with invoicing, bill pay and credit on top.
Bluevine's Standard plan is the draw: no monthly fee, unlimited invoices and 1.3% APY if you hit a modest activity goal. Plus and Premier pay more interest and cut payment fees, but their fees only disappear with $20,000 or $100,000 average balances plus card spend. It is not a bank; Coastal Community Bank and program banks hold the deposits.
Few business accounts combine no monthly fee, interest and unlimited invoicing on the entry plan, and FDIC coverage reaches $3,000,000 through the partner network.
Standard interest depends on a monthly activity goal, outgoing payments cost money on Standard, and the paid plans' fee waivers need large balances. Bluevine is not a bank, so your account relationship runs through its partner banks.
Bluevine business checking plans
| Standard | Plus | Premier | |
|---|---|---|---|
| Monthly fee | $0 | $30 | $95 |
| Fee waived with | - | $20,000 average daily balance and $2,000 monthly debit card spend | $100,000 average daily balance and $5,000 monthly debit card spend |
| APY | 1.3% up to $250,000 (needs $500 card spend or $2,500 in customer payments a month) | 1.75% up to $250,000 | 3.0% on all balances |
| Same-day ACH | $10 | $8 | $5 |
| Domestic wire (outgoing) | $15 | $12 | $7.50 |
| Printed checks | $1.50 each | First 5 free a month | First 20 free a month |
| Invoices and payment links | Unlimited | Unlimited | Unlimited |
From Bluevine's plans and pricing page, checked 3 October 2026. Rates can change; Plus and Premier come with a one-month trial without the fee.
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