Bluevine 🧾 Service

What you get

Bluevine Business Checking has three plans. Standard costs $0 a month and pays 1.3% APY on balances up to $250,000 if you spend $500 a month on the debit card or receive $2,500 a month in customer payments. Plus costs $30 a month (waivable) and pays 1.75% APY up to $250,000 with no activity requirement. Premier costs $95 a month (waivable) and pays 3.0% APY on all balances. Banking is provided by Coastal Community Bank, Member FDIC, with coverage up to $3M per depositor through program banks. Debit card rebates run through Mastercard Easy Savings.

Who qualifies

Owners of 25% or more applying from the US need an SSN. Applicants from supported countries outside the US need a passport and a US legal address; some features are limited for international customers, and international payments are unavailable to businesses in Nevada or in finance, insurance or mining.

Good to know

• The fee waivers on Plus and Premier depend on conditions set by Bluevine; read them before upgrading.
• Treasury services through Bluevine Advisory are not FDIC-insured and can lose value.

• Bluevine's accountant partner programme rewards firms that bring clients, which is why many bookkeepers suggest it; ask your bookkeeper if they have a code.
• Check the waiver rules each month: if you miss them on Plus or Premier, the monthly fee applies.

Verdict

A good home for idle cash in a small US business that wants interest without a treasury minimum. Less suited to founders without a US legal address.

1. Prepare your US business details and EIN.
2. Owners of 25%+ need an SSN (US) or passport plus US legal address (supported countries).
3. Apply online and choose Standard, Plus or Premier.
4. Meet the activity rules (Standard) or waiver conditions (Plus/Premier) to keep fees at zero.