What it is
Bluevine offers US small businesses a checking account that pays interest on balances, alongside a business line of credit, through partner banks. Paid tiers add higher yield and treasury features.
Who it suits
US small businesses that want yield on operating cash and access to credit in one place.
Regulation and protection
Financial technology company; banking services by FDIC-member partner banks.
How it charges
Free standard checking; paid monthly tiers add higher interest, fee waivers and support. International wires and some transfers carry fees. The credit line charges interest on drawn balances plus a fee.
Getting started
Apply online with business documents and EIN; checking approval is usually quick. Credit applications need bank statements and a minimum trading history.
At a glance
- Free plan
- Yes
- Is a bank
- No (partner banks, FDIC)
- Multi-currency
- International payments
- Accounting sync
- Yes
- Headquarters
- Jersey City
- Founded
- 2013
Strengths
- Interest on checking balances
- Line of credit alongside the account
- Bill pay and sub-accounts
Watch for
- Interest conditions vary by tier
- Not itself a bank
Readers ask2 questions answered
Do I need to pay for interest on checking?
The free tier pays interest subject to activity conditions; paid tiers pay higher rates without them. Check the current terms.
How does the Bluevine line of credit work?
You apply separately; if approved, you draw as needed and repay weekly or monthly with interest on what you use.
Affiliate links. We may earn a commission; rankings are editorial.
