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Bluevine
Bluevine is a strong online operating account for a small business that wants checking yield, sub-accounts, payment tools, and no monthly charge on the Standard plan. Current terms pay 1.30% APY on up to $250,000 only when Standard users meet a monthly activity test; Plus costs $30 monthly and pays 1.75% up to $250,000, while Premier costs $95 and pays 3.00% without a balance cap. Paid-plan fees can be waived, but the requirements are substantial, cash deposits cost extra, and Bluevine is a fintech using Coastal Community Bank and program banks rather than a branch bank.
What to know about Bluevine
Bluevine is a strong online operating account for a small business that wants checking yield, sub-accounts, payment tools, and no monthly charge on the Standard plan. Current terms pay 1.30% APY on up to $250,000 only when Standard users meet a monthly activity test; Plus costs $30 monthly and pays 1.75% up to $250,000, while Premier costs $95 and pays 3.00% without a balance cap. Paid-plan fees can be waived, but the requirements are substantial, cash deposits cost extra, and Bluevine is a fintech using Coastal Community Bank and program banks rather than a branch bank.
Pros
- No monthly fee on Standard with strong payment and sub-account tools
- Current APY ranges from 1.30% to 3.00% depending on plan and qualification
- Up to $3 million in conditional FDIC sweep coverage
Cons
- Standard earns no interest in months when both activity tests are missed
- Plus and Premier fee waivers require both substantial balances and card spend
- Cash deposits and several faster or international payment methods cost extra
Scoring breakdown
- Fees4.4/5
- Yield4.8/5
- Integrations4.4/5
- Onboarding4.4/5
- Customer Service4.0/5
Verified product facts
- Monthly Fee
- Standard $0; Plus $30; Premier $95. Paid-plan fees can be waived by meeting the published balance and card-spend requirements
- Yield
- Standard 1.30% on up to $250,000 with qualifying activity; Plus 1.75% up to $250,000; Premier 3.00% with no stated interest balance cap
- Deposit Insurance
- Up to $3 million in FDIC coverage through Coastal Community Bank and program banks, subject to pass-through and sweep-program conditions
Where Bluevine ranks
Every DollarScout ranking that includes Bluevine.
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Fact-checked July 18, 2026. Sources: Bluevine Business Checking plans, features, and disclosures, Bluevine interest terms effective March 12, 2026, Bluevine current fee schedule by plan, Bluevine FDIC protection and sweep-program explanation, Bluevine cash-deposit methods and locations, Bluevine application and eligibility requirements, Bluevine account plans and pricing explanation.