Bluevine Business Checking review

Bluevine is the strongest pick on this list for earning interest on everyday operating cash. The Standard plan has no monthly fee and pays 1.3% APY on balances up to $250K when you meet a monthly activity goal, while Plus pays 1.75% and Premier pays 3.3% on all balances. The Plus fee of $30 a month is waived with a $20,000 average daily balance or $2,000 in monthly debit card spend, and Premier's $95 fee is waived at $100,000 or $5,000 in spend. Every plan includes sub-accounts for budgeting, up to 50 debit cards, unlimited invoices and payment links, Tap to Pay and free standard ACH. Deposits are FDIC insured up to $3M through Coastal Community Bank and its program banks. Costs show up on payments: domestic wires are $15 on Standard, same-day ACH is $10 and Green Dot cash deposits cost $4.95 each. Higher plans cut those fees, so compare against your monthly activity.

Who it is for

Small businesses that want to earn interest on their checking balance without moving money to savings.

Price

Standard plan $0 per month; Plus $30 per month and Premier $95 per month, each waivable.

Best for growing businesses that want higher yields, more flexibility, and cost savings as they scale. $30/mo
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Standard plan pays 1.3% APY on balances up to $250K if you meet a monthly activity goal
• Plus pays 1.75% APY and Premier pays 3.3% APY on all balances
• Sub-accounts, up to 50 debit cards, bill pay and unlimited invoices
• FDIC insurance up to $3M through Coastal Community Bank and program banks
• Free MoneyPass ATM withdrawals and mobile check deposit

Strengths and weaknesses

• Strength: Interest is paid on checking, so there is no need to shuffle money into savings
• Strength: Plus fee is waived with a $20,000 average daily balance or $2,000 in debit card spend
• Strength: Free standard ACH and unlimited transactions on every plan
• Weakness: Cash deposits cost $4.95 each through Green Dot
• Weakness: Domestic wires cost $15 on Standard
• Weakness: Standard plan interest depends on meeting an activity goal

Key facts

• Monthly fee: $0, $30 or $95 by plan
• Checking APY: 1.3% to 3.3% by plan
• FDIC coverage: Up to $3M

Where it ranks

Bluevine Business Checking is No. 2 in our Best Business Bank Accounts verdict.