# Bluevine Business Checking — Bluevine Capital Inc.

**Monthly Fee:** Standard: No monthly fee · Plus: $30/mo (waivable) · Premier: $95/mo (waivable)
**Free Transactions:** Unlimited standard ACH — no monthly cap or per-item fee
**Minimum Opening Deposit:** $0
**Entity Types Accepted:** LLC, S-Corp, C-Corp, Sole Proprietorship, Partnership
**FDIC Insured:** Yes — up to $250,000 per depositor per ownership category (extended up to $3,000,000 through Bluevine's program bank network). Deposits and the Bluevine Business Debit Mastercard® are issued by Coastal Community Bank, Member FDIC.
**Availability:** All 50 U.S. states
**Apply:** https://bancadia.com/go/bluevine/business-checking

## Key Features

### Payment Rails
- Standard ACH payments are free and unlimited with no per-transaction fee. Incoming ACH payments are also free.
- Same-day ACH payments are available at a fee of up to $10 per transaction. Payments must be submitted by 2:00 PM ET to arrive the same business day. Payments are sent 8 AM–5 PM ET on business days. Plus and Premier plan customers receive discounted same-day ACH fees.
- Outgoing domestic wire transfers are available via the Bluevine dashboard at a fee of up to $15 per transaction. Plus and Premier plan customers receive discounted wire fees.
- International payments are available to most U.S.-registered businesses, excluding Nevada-based businesses in finance, insurance, or mining. Payments sent in U.S. dollars cost up to $25 per payment. Payments sent in a foreign currency cost up to 1.5% of the payment amount as converted to USD.
- Check payments can be sent via the Bluevine dashboard at $1.50 per check. Plus and Premier plan customers receive a limited number of free check payments per month; the $1.50 fee applies to each check beyond that free allotment.
- FedNow: Not supported on any plan.
- RTP Network (The Clearing House): Not supported on any plan. Real-time payments are available via same-day ACH (see above) as the fastest option.

### Online Banking
- Full-featured online banking dashboard and mobile app for managing checking accounts, sub-accounts, bill pay, invoices, payment links, and transactions from a single platform. Mobile check deposit allows depositing checks remotely without visiting a branch.
- Automated accounts payable with approval workflows enables teams to collaborate on vendor payments. Team members and accountants can be granted separate login credentials with dedicated account access to support bookkeeping and approval processes.

### Fraud Protection (Tiered by Plan)
- Standard: ACH debit block — block ACH debits account-wide or by specific payee.
- Plus: ACH preauthorization with debit block — preauthorize specific payees to debit blocked accounts.
- Premier: ACH positive pay — review and approve outgoing ACH transactions before they are processed.
- All plans: Advanced security features include two-factor authentication, data encryption, and real-time text alerts for account activity.
- Overdraft/NSF fees: Not charged on any plan. Transactions that would overdraw the account are declined rather than processed with a fee.

### Account Management
- Multiple sub-accounts can be created within the same Bluevine Business Checking account for budget management. Each sub-account supports automatic transfer rules and can have its own dedicated debit card with custom daily and monthly spending limits.
- Maximum sub-accounts by plan: Standard 5, Plus 10, Premier 20.
- Free checkbooks: Standard gets 1 free checkbook per account lifetime, Plus gets 2 per year, Premier gets 3 per year. Additional checkbook orders cost $30.00 (excluding tax and shipping).

### Cards & ATM
- Bluevine Business Debit Mastercard® (physical and virtual) issued by Coastal Community Bank, Member FDIC. Cardholders earn 4% cash back at Mastercard Easy Savings participating merchants, a 1% fuel rebate at Fuelman Network gas stations (up to $100/month across North America), and hotel rebates up to $20/stay.
- ATM withdrawals are free at in-network MoneyPass ATMs. A $2.50 fee applies per transaction at out-of-network ATMs. Third-party ATM operator surcharges may apply separately.
- Tap to Pay is available on supported iOS and Android devices for in-person contactless payment acceptance through the Bluevine mobile app.

### Platform Integrations
- QuickBooks Online integration available directly from the Bluevine dashboard.
- Integrated invoicing, professional estimates, and payment links (powered by Stripe, Inc.) allow businesses to get paid directly into their Bluevine account.
- Free trial of Xero accounting software: 3 months on Standard, 6 months on Plus and Premier.
- Recurring invoices (scheduled automatic billing): included on Plus and Premier only, not on Standard.

## Plans & Pricing

### Standard (default plan) — $0/month
- APY: 1.30% on balances up to $250,000. Requires $500/month in Bluevine Business Debit Mastercard spend OR $2,500/month in deposits to checking or sub-accounts.
- ACH fraud protection: ACH debit block.
- Max sub-accounts: 5. Free checkbook: 1 (account lifetime). Free mailed checks/month: 0.
- Xero free trial: 3 months. Recurring invoicing: Not included.
- Payment fee discount: None. Bluevine Advisory access: requires $50,000 minimum balance.

### Plus — $30/month
- Waived by maintaining a $20,000 average daily balance and/or $2,000 in monthly Bluevine Business Debit/Cashback Mastercard spend.
- APY: 1.75% on balances up to $250,000. No activity requirement.
- ACH fraud protection: ACH preauthorization with debit block.
- Max sub-accounts: 10. Free checkbooks: 2/year. Free mailed checks/month: 5.
- Xero free trial: 6 months. Recurring invoicing: Included.
- Payment fee discount: 20% off most Standard-plan payment fees (wires, same-day ACH). Bluevine Advisory access: requires $50,000 minimum balance.

### Premier — $95/month
- Waived by maintaining a $100,000 average daily balance and/or $5,000 in monthly Bluevine Business Debit Mastercard spend.
- APY: 3.00% on all balances, no cap. No activity requirement.
- ACH fraud protection: ACH positive pay (most comprehensive tier).
- Max sub-accounts: 20. Free checkbooks: 3/year. Free mailed checks/month: 20.
- Xero free trial: 6 months. Recurring invoicing: Included.
- Payment fee discount: 50% off most Standard-plan payment fees. Bluevine Advisory access: instant, no minimum balance. Priority phone support included.

## Fee Schedule

| Fee Type | Amount | Notes |
|----------|--------|-------|
| Monthly Maintenance | $0 (Standard) | Plus $30/mo, Premier $95/mo — see Plans & Pricing above |
| Overdraft | $0 | No overdraft or NSF fees; transactions declined rather than processed |
| Excess Transaction (check payment) | $1.50/check | Beyond each plan's free monthly allotment |
| Foreign ATM | $2.50 | Out-of-network (outside MoneyPass); free in-network |
| Domestic Wire (Outgoing) | $15 | Discounted on Plus/Premier (see Plans & Pricing) |
| Domestic Wire (Incoming) | $0 | Free |
| International Wire (Outgoing) | $25 (USD) / up to 1.5% (foreign currency) | Excludes NV-based finance, insurance, or mining businesses |
| International Wire (Incoming) | $0 | Free |
| Stop Payment | $0 | Not published; assumed $0.00 |
| Card Replacement | $0 | Not published; assumed $0.00 |
| Same-Day ACH | $10 | Submit by 2:00 PM ET; discounted on Plus/Premier |
| Checkbook Order | $30 | Beyond each plan's free allotment (excludes tax/shipping) |

## Eligibility

- LLC
- S-Corp
- C-Corp
- Sole Proprietorship
- Partnership
- U.S.-based business required

## Who Is This Account Best For?

### Freelancers and New LLCs Building Cash Reserves on the Free Standard Plan
A sole proprietor or newly formed LLC that wants a genuinely free checking account that still earns yield. The Standard plan has no monthly fee, no minimum opening deposit, and pays 1.30% APY on balances up to $250,000 as long as the business spends $500/month on its Bluevine debit card or moves $2,500/month through the account — activity levels well within reach of an active freelance or early-stage LLC operation. Unlimited free standard ACH keeps recurring client payments and vendor bills cost-free from day one.

### Growing SMBs Carrying a Meaningful Balance Who Want Higher Yield and Payment Discounts (Plus Plan)
A growing business holding a five-figure operating balance that has outgrown the Standard plan's activity requirement. The Plus plan ($30/month, waivable by keeping a $20,000 average daily balance or $2,000 in monthly card spend) raises the rate to 1.75% APY with no activity condition, adds a 20% discount on wire and same-day ACH fees, doubles the free mailed checks to 5/month, and extends the Xero free trial to 6 months.

### Established Businesses With Six-Figure Idle Cash Wanting Maximum Yield and Treasury Services (Premier Plan)
An established business sitting on $100,000+ in idle operating cash that wants the highest possible yield without moving funds to a separate investment account. The Premier plan ($95/month, waivable at a $100,000 average daily balance or $5,000 in monthly card spend) pays 3.00% APY on all balances with no cap, cuts payment fees by 50%, adds ACH positive pay — the strongest fraud-control tier — supports up to 20 sub-accounts, includes 20 free mailed checks a month, and unlocks instant, no-minimum access to Bluevine Advisory treasury services plus priority phone support.

## Bancadia Verdict

Choose Bluevine Business Checking if you want a checking account that pays real interest starting on the free Standard plan, with a clear, transparent path to a materially higher rate (up to 3.00% APY) and discounted payment fees as your balance grows — the three-tier structure rewards businesses that plan to scale their balance or payment volume over time. It is not the right fit for businesses that need FedNow or RTP Network real-time payments, accept cash deposits, or serve nonprofit entities, none of which Bluevine supports on any plan.

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*Data sourced directly from Bluevine Capital Inc. Last verified: July 8, 2026.*
*Bancadia earns a commission if you open an account through our links. This does not affect our editorial assessment.*