Banking · Banking + Credit & Lending
Bluevine Review
Business checking that pays interest, plus lines of credit up to $250,000
Quick verdict
Bluevine is best for Established trades businesses (LLCs or corporations) that want to earn interest on reserves and have a line of credit available alongside checking, and that take little cash. Pending acquisition by Valley National Bancorp (closing expected early 2027); Standard APY requires monthly activity; top APY needs a fee or large balance; cash deposits carry fees; line of credit excludes sole proprietors and some states.
Fees & APY
Standard checking has no monthly fee and earns 1.3% APY on up to $250,000 in months you meet an activity requirement; Plus ($30/mo) earns 1.75% on up to $250,000 and Premier ($95/mo) earns 3.0% on all balances, with each fee waived if you meet balance and card-spend minimums. Lines of credit from $1,000 to $250,000 are issued by Celtic Bank. Banking services are provided by Coastal Community Bank, Member FDIC. Valley National Bancorp agreed in September 2026 to acquire Bluevine.
- Monthly fee
- $0 Standard; Plus $30/mo and Premier $95/mo, each waived with balance and card-spend minimums
- APY / yield
- Standard 1.3% APY on balances up to $250,000 in months you spend $500 on the debit card or receive $2,500 in client payments; Plus 1.75% on balances up to $250,000; Premier 3.0% on all balances (per Bluevine's help center)
Affiliate disclosure: The link to Bluevine on this page goes to its own site and is not an affiliate link.
About Bluevine
Bluevine pairs interest-paying business checking with lines of credit. Founded in 2013 and headquartered in Jersey City, New Jersey, it serves about 175,000 active small business customers, according to a September 28, 2026 announcement that Valley National Bancorp will acquire Bluevine for about $340 million. The deal is expected to close in early 2027, subject to regulatory approvals, so account terms and partner banks could change after that. For now, Bluevine says banking services are provided by Coastal Community Bank, Member FDIC, with FDIC insurance up to $3,000,000 per depositor through Coastal and its program banks.
There are three checking plans, per Bluevine's help center. Standard has no monthly fee and earns 1.3% APY on balances up to $250,000 in any month you spend $500 with the Bluevine debit card or receive $2,500 in client payments. Plus costs $30/mo and earns 1.75% on balances up to $250,000; the fee is waived with a $20,000 average daily balance and $2,000 in Bluevine card spend. Premier costs $95/mo and earns 3.0% on all balances; the fee is waived with a $100,000 average daily balance and $5,000 in card spend. You can open up to 50 sub-accounts depending on plan, each with its own account number.
The Bluevine Line of Credit runs from $1,000 to $250,000, is issued by Celtic Bank and serviced by Bluevine, and is repaid weekly over up to 52 weeks or monthly over 12 months. To qualify, Bluevine asks for at least 12 months in business, $10,000 in monthly revenue, a personal FICO score of 625 or higher, and an LLC or corporation; sole proprietors and businesses in Nevada, North Dakota and South Dakota are not eligible.
Fees are low but not zero. Overdraft, NSF, incoming wire, standard ACH and mobile check deposit fees are $0, and MoneyPass ATMs are free. Standard charges $15 for an outgoing domestic wire, $10 for same-day ACH, $2.50 at out-of-network ATMs and $1.50 per printed check payment; Plus and Premier discount most of these. Cash can be deposited at Allpoint+ ATMs for $1 plus 0.5% of the deposit, or at Green Dot retailers for up to $4.95 per deposit.
The trade-off: the interest rates are attractive, but Standard only pays in months you meet the activity test, the higher rates need either a monthly fee or large balances, cash deposits cost money, and the pending sale to Valley means some terms may change in 2027.
How it works
You open a Bluevine business checking account online; banking services are provided by Coastal Community Bank, Member FDIC. Standard has no monthly fee and pays 1.3% APY in months you spend $500 on the debit card or receive $2,500 in client payments; Plus ($30/mo) and Premier ($95/mo) pay 1.75% and 3.0% and waive their fees if you meet balance and card-spend minimums. You can split money into up to 50 sub-accounts, pay bills, send wires and ACH, deposit checks by phone, and deposit cash at Allpoint+ ATMs or Green Dot retailers for a fee. Separately, an LLC or corporation with at least 12 months in business can apply for a line of credit of $1,000-$250,000, issued by Celtic Bank, and repay each draw weekly or monthly.
Pros & cons
What works
-
Interest on checking
Standard earns 1.3% APY on up to $250,000 in months you meet the activity test, Plus earns 1.75% on up to $250,000 and Premier earns 3.0% on all balances, so tax and materials reserves can earn interest.
-
Line of credit up to $250,000
The Bluevine Line of Credit runs from $1,000 to $250,000 (issued by Celtic Bank) with weekly or monthly repayment, so a contractor can bridge payroll or materials without a separate lender.
-
No-fee Standard plan
Standard has no monthly fee, and overdraft, NSF, incoming wire, standard ACH, mobile check deposit and MoneyPass ATM fees are all $0.
-
Sub-accounts with their own numbers
Depending on plan you can open up to 50 sub-accounts, each with its own account number and earning the plan's APY on eligible balances, useful for separating tax or job money.
-
Fee waivers on higher plans
Plus is free with a $20,000 average daily balance and $2,000 card spend, and Premier with $100,000 and $5,000, so a shop that keeps larger balances can get the higher rates without the monthly fee.
What doesn't
-
Pending acquisition
Valley National Bancorp agreed in September 2026 to buy Bluevine, with closing expected in early 2027. Plans, rates, partner banks and the app could change after the deal closes.
-
Standard APY has conditions
Standard only pays 1.3% in months you spend $500 on the Bluevine debit card or receive $2,500 in client payments, and only on balances up to $250,000.
-
Top APY costs a fee or a big balance
1.75% needs Plus ($30/mo) and 3.0% needs Premier ($95/mo) unless you keep a $20,000 or $100,000 average daily balance and meet card-spend minimums.
-
Cash deposits cost money
Cash goes in at Allpoint+ ATMs for $1 plus 0.5% of the deposit, or at Green Dot retailers for up to $4.95 each, which adds up for a cash-heavy trade.
-
Credit line has strict eligibility
The line of credit needs 12 months in business, $10,000 in monthly revenue, a 625+ FICO score and an LLC or corporation; sole proprietors and businesses in Nevada, North Dakota and South Dakota cannot apply.
Features & integrations
Key features
Integrations
Frequently asked
How much APY does Bluevine pay?
Per Bluevine's help center, Standard (no monthly fee) earns 1.3% APY on balances up to $250,000 in months you spend $500 on the debit card or receive $2,500 in client payments. Plus ($30/mo) earns 1.75% on balances up to $250,000, and Premier ($95/mo) earns 3.0% on all balances. The Plus fee is waived with a $20,000 average daily balance and $2,000 in card spend; the Premier fee with $100,000 and $5,000.
Does Bluevine offer a line of credit?
Yes. The Bluevine Line of Credit ranges from $1,000 to $250,000, is issued by Celtic Bank and serviced by Bluevine, and each draw is repaid weekly over up to 52 weeks or monthly over 12 months. Bluevine asks for at least 12 months in business, $10,000 in monthly revenue, a personal FICO score of 625 or higher, and an LLC or corporation.
Is Bluevine being acquired?
Yes. On September 28, 2026 Valley National Bancorp announced an agreement to acquire Bluevine for about $340 million, with closing expected in early 2027 subject to regulatory approvals. The deal had not closed as of September 30, 2026; after closing, account terms and the bank holding deposits may change, so watch for notices from Bluevine.
Can I deposit cash with Bluevine?
Yes, for a fee. Bluevine's fee list shows cash deposits at Allpoint+ ATMs cost $1 plus 0.5% of the deposit, and deposits at Green Dot retailers cost up to $4.95 each. A trade that handles a lot of cash may find a local bank cheaper for that part of the business.
Is my money safe with Bluevine?
Bluevine says banking services are provided by Coastal Community Bank, Member FDIC, and that deposits are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank and its program banks. FDIC insurance protects deposits if an insured bank fails.
Other banking options
Found
Business banking for the self-employed, with tax estimates and bookkeeping built in
Novo
No-monthly-fee small-business checking with invoicing and built-in savings buckets
Relay
Multi-account business banking built around Profit First cash management
Mercury
Online business banking with no monthly fee and up to $5M FDIC coverage via sweep, but no cash deposits
Lili
Online business banking with tax set-aside and bookkeeping on paid plans, plus retail cash deposits
Chase Business Complete Banking
Big-bank business checking with branches, free ATM cash deposits and built-in card acceptance