Bluevine
$0/mo
- Deposits held by
- Fintech; Coastal Community Bank
- Free cash deposits /mo
- None
- Entities accepted
- Not published at source
- Branches
- No, MoneyPass in network
- To open
- $0
- Monthly fee
- $0/moFree outright
Bluevine
Financial technology company, not a bank, paying interest on the checking balance itself and accepting cash through two third-party networks.
Best for
Businesses holding a working balance that want it to earn in the same account they transact from.
- Rate on your money
- 1.3% to 3.0% by plan, on checking
- Cash deposits
- Yes, charged from the first dollar
- FDIC coverage
- Up to $3M via sweep
- EIN required
- Yes, stated flatly
Pricing breakdown
All prices in USDPrices checked
Every fee we track, grouped by where it applies.
How Bluevine compares
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Side-by-side with the closest alternatives by monthly fee.
Each account's published monthly fee, and the plan that fee belongs to. Where a fee can be waived, the condition is stated rather than applied. Interest is shown as the rate each account publishes, with its conditions, and never as a forecast of what you would earn.
Mercury
$0/mo
- Deposits held by
- Fintech; Choice Financial and Column N.A.
- Free cash deposits /mo
- Not applicable
- Entities accepted
- Not published at source
- Branches
- No
- To open
- None
- Monthly fee
- $0/moFree outright
Relay
$0/mo
- Deposits held by
- Fintech; Thread Bank
- Free cash deposits /mo
- $2,000/day (ATM), $5,000/mo (retail)
- Entities accepted
- LLC, corp, partnership, sole prop, non-profit
- Branches
- No, Allpoint in network
- To open
- Not published at source
- Monthly fee
- $0/moFree outright
Novo
$0/mo
- Deposits held by
- Fintech; Middlesex Federal Savings
- Free cash deposits /mo
- Not applicable
- Entities accepted
- Sole prop, LLC, corp, partnership, non-profit
- Branches
- No
- To open
- None
- Monthly fee
- $0/moFree outright
Strengths and trade-offs
Pros
- Pays interest on the checking balance itself rather than on a separate account
- Free plan has no monthly fee and no minimum balance
- Accepts cash on two networks and publishes what each one costs
- Sub-accounts on every plan, and they count toward the fee-waiver balance
- Incoming domestic wires, standard ACH, overdraft and non-sufficient-funds are all free
Cons
- A financial technology company, not a bank, so the cover is pass-through and conditional
- The paid-plan waiver needs balance and card spend in the same period, not either one
- Cash is charged from the first dollar, with no free allowance on any plan
- The free plan pays interest only in a month that meets its activity goal, and stops above a ceiling
- Does not publish which entity types it accepts
About Bluevine
Bluevine is a financial technology company rather than a bank. Banking services are provided by Coastal Community Bank, with deposits distributed across program banks for cover above the single-bank limit, as pass-through insurance subject to conditions.
It pays interest on the checking balance rather than on a separate savings or investment account, and the rate rises with the plan. The free plan pays only in a month where the account meets a published activity goal, and the two lower plans stop paying above a published balance ceiling, so the headline rate belongs to the dearest plan alone.
Its paid plans can be waived, but the waiver requires a balance and a debit card spend figure in the same period rather than either one on its own, which is why the calculator never assumes it. Cash is accepted at ATM and retail networks and is charged from the first dollar, with no free allowance on any plan.
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