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Business Banking Solutions & Services | Bluevine

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**New!** Get paid directly to your Bluevine account with easy invoicing and payment links. Explore now ›

- Business Checking

Overview

Business CheckingA powerful account built for
small business—earn
high-yield interest, save on fees, and never go to the bank again.Learn more about Business Checking

Features & benefits

No monthly feesNo monthly or overdraft fees, plus free standard ACH transfers.

**New!**Invoicing and payment linksGet paid by card or digital wallet, directly in your Bluevine account.

High APY on checking Earn over 20x the national average‡ or more with an upgraded plan.

Accounts payableSave time on bill management and automate your payments.

Sub-accountsEasily manage budgets using multiple accounts.

International paymentsSend and receive money globally in as fast as 24 hours.

Physical and virtual debit cardsIssue debit cards with spending limits to your team.

* * *

Explore all features

See plans and pricing

Earn and save even more with our Plus
and Premier
plans—with up to
3.7% APY and discounts on
payment fees.Choose the plan
that's right for you
- Business Loans

Overview

Business LoansFinancing tailored to your business needs, with a quick and easy application process.Learn more about Business Loans

Products

Line of CreditGet ongoing access to the working capital you need to grow, with a Bluevine Line of Credit up to $250K and competitive rates.

Term LoanAccess a lump sum of up to $500K◊ from our lending partners, with predictable repayment terms up to 24 months.

SBA LoanGet connected to lenders to help you access SBA 7(a) loans up to $350K.

Small business owner’s guide to building and using business credit.Read guide
- Credit Card

Credit Card The Bluevine Business Cashback Mastercard—Earn unlimited 1.5% cash back on every business purchase and pay no annual fee.
- Solutions

Business Type

Partners

Self-employedSave time and money with integrated business tools and no monthly fees.

Small businessEarn interest, collaborate with your team, and move money effortlessly.

StartupsScale faster with high APY, built-in AP automation, and access to credit.

Partners

Accounting firmsGet secure tools for your firm and better banking for clients.

Accountant directoryHelp set your practice up for growth by being listed in our accountant directory.

See why business owners like you love Bluevine.Read reviews
- Resources

Overview

Small Business Resource CenterFind everything you need to know—like how to get started and how to put your Bluevine account to work.Explore resources

Resource type

FAQsGet quick answers to common questions about all things Bluevine.

BlogRead our latest articles, tips, and resources for small businesses.

Help CenterSearch by topic or contact our support team for in-depth help with your account.

GuidesExplore your account features from top to bottom with these comprehensive guides.

Accountant DirectoryNeed accounting help? Find a professional on Bluevine’s Accountant Partner directory.

Your security is our top priority.Learn more about Security
- Company

Overview

About us Through innovative banking solutions, we empower growing businesses to thrive—today and tomorrow.Learn more

Explore

CareersView our open roles, get to know our values, and learn about employee benefits.

PressDiscover what’s new at Bluevine with our latest news and announcements.

PartnersWork with us to offer best-in-class financial solutions to your small business clients.

- Sign in
- Get started

# Banking
beyond expectations.

A powerful business banking platform built for where you
are and where you’re going—with lower fees, effortless
money movement, and access to working capital.

Get started

Bluevine is a financial technology company, not a bank.
Bluevine deposits are **FDIC-insured** through Coastal Community Bank, Member FDIC,
and our program banks.

## Join the largest small business banking platform in the U.S.BVSUP-00186

- 10+years in business
- 750K+businesses helpedBVSUP-00052
- $1.5B+on deposit
- $16Bbusiness loansBVSUP-00052

## Everything you need
to run your business.

Fully integrated business checking, lending, invoicing, and credit card—easily accessible
from one powerful platform.

## Business checking that
gets you more for your money.

Take advantage of advanced money movement
options, accounts payable automation, and live
support without waiting in line at the bank.

- 1.5% APY for eligible customersBVSUP-00005 with a
Standard plan or more with an upgraded
plan
- No monthly fees, unlimited transactions,BVSUP-00043
and free standard ACH
- FDIC insurance up to $3MBVSUP-00108

Explore business checking

## Choose the business checking plan that’s right for you.

You could earn and save even more with our upgraded Plus and Premier plans —
with up to **3.7% APY** and discounts on most Standard payment fees.BVSUP-00118

Compare plans

## Business financing to
fuel your growth.

Apply for a Bluevine Line of Credit up to
$250,000, or a business term loan up to $500,000 through our partners—all from one application.BVSUP-00126

- Competitive pricing and repayment terms
- Submit an application without impacting
your credit scoreBVSUP-00008
- Get a decision in as fast as 24 hours

Explore business loans

## Invoicing and payment
links that make it easy to
get paid.

Manage, track, and accept customer payments
directly in your Bluevine dashboard.

- Unlimited, free, professional invoices with
your company logo
- Simple, secure payment links powered by
StripeBVSUP-00180
- Affordable, transparent pricing for
processing credit cards and more

Explore invoicing and payment links

## Business credit card with unlimited cash back and
no annual fee.

Sync to your financial tools and build business
credit with consistent, on-time repayments.

- Unlimited 1.5% cash back on all business purchasesBVSUP-00086
- Advanced security and fraud protection
- Exclusive Mastercard perks and benefitsBVSUP-00101

Explore business credit card

## Bank with confidence.

- ### Two-factor authentication

Make sure only you and your trusted team
members can access your account.
- ### Data encryption

Keep your personal and business
information safe with advanced encryption.
- ### Text alerts

Get alerts to your phone if we notice any
suspicious activity or transactions.BVSUP-00084

## See why our customers
love Bluevine.

And why you will, too.

> The connectivity made it worth it—the ability to quickly draw straight to my business checking account and make repayments directly from there. It’s seamless and I can see everything. I liked the ability to have it all in one place.”

Cayden Y.
Tech Leaf

Technology

Read the story

> Every month, I get a notification that I met the interest requirements, so I know that as money is coming into my account, I’m also earning interest on it.”

Tara P.
TP & Co.

Professional services

Read the story

> I searched far and wide to find an effective and simple business banking solution that met my business needs and I found that in Bluevine. Their integrations and no fee structure were selling points for me.”

Logan P.
LP Creative Media

Professional services

Read the story

> Bluevine’s dashboard is clean and simple, with all the features I need. And I can manage my checking accounts and bills from one place.”

Michael T.
FoodDays

Food & Beverage

Read the story

Read more customer reviews

* * *

## Awards and recognition.

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- Best SMB Checking AccountCNBC 2025
- Best Banking Platform
for SMBsTearsheet 2023
- Power Partner AwardInc. Magazine 2023
- Best Free Small Business Checking AccountNerdwallet 2025
- America’s Best Startup EmployersForbes 2023

## Ready to apply?

Get started

Want to learn more?
Explore our Resources and Guides.

- Contact Us
- About Us
- Careers
- Press

**Products**

- Business Checking
- Line of Credit
- Credit Card
- Accountants & Bookkeepers

**Resources**

- Help Center
- FAQs
- Business Blog
- Partners
- Customer Reviews

**Legal**

- Terms of Use
- Bluevine Privacy Policy
- Coastal Community
Bank Privacy Policy
- Accessibility
- Bluevine Payment
Terms of Service
- European Privacy Notice
- Your Privacy Preferences
- Advisory Agreement

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Bluevine is a financial technology company,
not a bank.

Deposits are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks.

- ‡The national average and comparison are based on interest rates paid by U.S. depository institutions as calculated by the FDIC.
- ◊Applications are subject to credit approval. Rates and terms may vary based on your creditworthiness and are subject to change. Eligibility for the maximum funding amount is available only to applicants with the strongest credit profiles. Offerings and eligibility requirements vary by partner.

Bluevine is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. The Bluevine Business Debit Mastercard® and Bluevine Business Cashback Mastercard® are issued by Coastal Community Bank, Member FDIC pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Mastercard, Mastercard Easy Savings, Mastercard Airport Concierge, Priceless Surprises and the circles design are registered trademarks and Mastercard ID Theft Protection is a trademark of Mastercard International Incorporated.

Application is subject to approval. No monthly or maintenance fees. Card Replacement Fees and Wire Transfer Fees may apply.

Banking Services for payments made via ACH or wire from the Bluevine Business Checking Account are provided by Coastal Community Bank, Member FDIC. Certain Bill Pay funds are temporarily held during payment processing by Silicon Valley Bank, a division of First-Citizens Bank & Trust Company. Money transmission services for International Payments are provided by a third party and are also subject to their applicable terms and conditions.

The Bluevine Line of Credit is issued by Celtic Bank and is serviced by Bluevine. Applications are subject to credit approval. Rates, credit lines, and terms may vary based on your creditworthiness and are subject to change. Additional fees apply. Other commercial credit products are offered by a variety of Bluevine’s third party partners. Bluevine is not involved in the issuance or servicing of these products. Offerings and eligibility requirements vary by partner.

Certain financing may be made or arranged pursuant to California Financing Law-License No. 6054789.

All other product names, logos, brands, trademarks, and registered trademarks are property of their respective owners. All company, product, and service names used in this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.

® 2025 Bluevine Inc. All Rights Reserved. “Bluevine” and the Bluevine logo are registered trademarks of Bluevine Inc.