Bluevine is a United States business checking account from a financial technology company, with banking services provided through a partner bank. It offers a standard plan with no monthly fee and pays interest on eligible balances. It is available only to businesses registered in the United States.
- Who it suits
- Small and growing United States businesses that want a no fee checking account with interest on balances and online tools. The business must be registered in the United States.
- Broadly available in
- Businesses registered in the United States. Owners living in 25 supported countries can apply for a United States LLC or corporation.
- Headline monthly fee
- Standard plan has no monthly fee as of 11 October 2026. Paid plans are optional.
- Account type
- Business checking account, with deposit services provided through a partner bank that is a member of the FDIC.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Bluevine is a financial technology company that provides business checking to United States businesses, with deposit services delivered through a partner bank that is a member of the FDIC. The standard account has no monthly fee and can pay interest on eligible balances. Bluevine also offers paid plans with added features. The product is built for online use, with a debit card, sub accounts, and payment tools. It is offered to businesses registered in the United States, including some whose owners live abroad.
Strengths
No monthly fee on the standard plan. Interest of 1.3 percent APY on balances up to 250,000 US dollars when a monthly activity goal is met. FDIC insurance up to 3 million US dollars through partner banks. Online application and account tools, with sub accounts for organising money.
Limitations
Available only in the United States, so it does not suit businesses incorporated elsewhere. Interest and fee waivers carry conditions that change, so check current requirements. As a financial technology company, branch services are limited compared with a traditional bank.
Fees and features
| Monthly fee | Standard plan no monthly fee. Plus plan 30 US dollars per month, waivable, and Premier plan 95 US dollars per month, waivable, as of 11 October 2026. |
|---|---|
| Transaction fees | No monthly or overdraft fees, free standard ACH transfers and unlimited transactions. Outgoing wire transfers and international payments carry fees. Verify the current schedule with the provider, as of 11 October 2026. |
| FX fees | The account is held in US dollars. International payments can be sent and received through a third party money transmitter, and fees apply. Confirm the current rate with the provider, as of 11 October 2026. |
| Minimum deposit | Bluevine states there is no minimum balance requirement. Verify with the provider, as of 11 October 2026. |
| Multi currency | This is a US dollar checking account and not a multi currency account, as of 11 October 2026. |
| Integrations | Connects with common accounting and payment tools. Confirm current integrations with the provider. |
| Eligibility | Open to qualified businesses registered in the United States. Owners living abroad can apply for a United States LLC or corporation with an EIN and a passport if they live in one of 25 supported countries, as of 11 October 2026. Some industries are not eligible. |
Open a Bluevine business account
Availability and fees vary by country. Check the Bluevine by country pages below for your market, then confirm current terms with the provider. Shown as of 11 October 2026.
Visit Bluevine →Bluevine by country
Questions about Bluevine
Is Bluevine a bank?
Does Bluevine charge a monthly fee?
Can businesses outside the United States use Bluevine?
Does Bluevine pay interest?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with Bluevine before applying.