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We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

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Bluevine Business Checking Account review

In this Bluevine Business Checking Account review, you will learn how it works and the advantages and disadvantages of opening one.

by Aline Augusto

Published on 10/13/2022

Unlimited transactions with no monthly fees or minimum balances

Learn everything about Bluevine Business checking account. Source: The Mister Finance.
Learn everything about Bluevine Business checking account. Source: The Mister Finance.

Bluevine is a financial technology company that offers smart banking solutions for small businesses. It was founded in 2013 with the valuable objective of supporting and helping small businesses to thrive.

Bluevine business checking account

How to open your Bluevine Business account?

Learn how the Bluevine Business Checking Account application works so you can get access to good products and services at a very low cost.

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How to open your Bluevine Business account?

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Besides the checking account, Bluevine provides lines of credit, Bill Pay options, and a resources center to help you understand its products and services.

The range of offerings features low prices and a long list of benefits. Then, keep reading to learn how the checking account works and the advantages and disadvantages of opening an account.

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How does the Bluevine Business Checking Account work?

Firstly, you must know that Bluevine is not a bank, although it offers banking solutions for small businesses. However, its deposits are FDIC-insured through the bank Coastal Community.

Today, we will review the checking account offered by this financial technology company.

So, the account gathers a list of benefits at a very low cost. The objective is to help small businesses to grow and overcome obstacles.

Therefore, the account doesn’t have monthly or overdraft fees. Also, it allows you to make unlimited transactions.

In addition, it doesn’t require a minimum deposit to open or minimum balances.

And if you meet a monthly activity goal, you can earn 1.5% interest on balances of up to $100,000.

The activity goals include $500 of monthly spending with a Bluevine Business Debit Mastercard and $2,500 monthly receiving in customer payments.

Furthermore, the user experience is fantastic. The platform is easy-to-use, and it offers a digital space with all you need in one place.

Through the platform, you can access different Bill Pay options, organize your finances with multiple sub-accounts, and securely share access with your team.

Finally, Bluevine doesn’t charge any in-network ATM fees and offers two free checkbooks per year.

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Bluevine Business Checking Account benefits

Check the pros and cons of having a Bluevine Business checking account. Source: The Mister Finance.
Check the pros and cons of having a Bluevine Business checking account. Source: The Mister Finance.

In case you have been wondering if there was a checking account for small businesses that don’t charge high fees, you have just found one.

A Bluevine account doesn’t charge monthly or overdraft fees and offers a digital platform full of benefits, including unlimited transactions, no minimum balances, high-yield interest earnings (conditions apply), and access to many options for better financial management.      

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Pros

  • The checking account doesn’t charge any monthly or overdraft fees;
  • It doesn’t require minimum balances;
  • It offers unlimited transactions with plenty of Bill Pay options;
  • It lets you earn 1.5% interest on your balance of up to $100,000 if you meet monthly goals;
  • The account allows access for your team;
  • You can organize your finances through sub-accounts;
  • The deposits are FDIC-insured;
  • There are no in-network ATM fees;
  • It provides two free checkbooks per year;
  • The platform is easy-to-use, safe, and gathers security features, including two-factor authentication.

Cons

  • You can’t access physical branches;
  • To earn interest, you must meet certain requirements.

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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How good does your credit score need to be?

Opening an account at Bluevine requires you to provide some information about yourself and your business. Therefore, your creditworthiness will be checked, but it is not the only factor in a decision. 

So, although Bluevine doesn’t disclose this information, probably all credit scores are considered in the application.

How to apply for a Bluevine Business Checking Account?

If you have a small business and are struggling with choosing a good checking account for it, check out how easy it is to apply for a Bluevine Business Checking Account by reading our next post!

Bluevine business checking account

How to open your Bluevine Business account?

Learn how the Bluevine Business Checking Account application works so you can get access to good products and services at a very low cost.

Keep Reading
card

How to open your Bluevine Business account?

You will remain in the same website

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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Advertiser Disclosure

We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

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