The right business checking account depends on how your business banks, spends, and manages its cash, and Bluevine offers Standard, Plus, and Premier plans with different pricing and features for different business needs. This guide explains what you’d get with a Bluevine Plus and Premier plan, whether a free trial is available, and how to waive monthly fees for Plus and Premier.
What you need to know
- Bluevine Business Checking offers three plans to serve the needs of any type of small business: Standard, Plus, and Premier.
- Our Plus and Premier plans offer higher APY on checking balances, exclusive payment discounts, additional sub-accounts, and more.
- Easily switch your business checking plan at any time from your Bluevine dashboard.
Why offer multiple business checking plans?
For small business owners, the advantages provided by upgraded banking plans can significantly enhance day-to-day operations. With business checking features like up to 3.0% annual percentage yield (APY),BVSUP-00125 discounts on standard plan payment fees, and expanded support coverage, you can effectively streamline your business activities.
While upgraded checking accounts are typically reserved for big businesses, Bluevine makes them accessible to all businesses from the moment you open your checking account. This inclusive approach means that your business has the opportunity to choose any Bluevine banking plan you desire, and if you meet certain criteria each month, you can even get the associated fee waived.
What do I get with Bluevine Plus and Bluevine Premier?
In addition to the great benefits offered by the Bluevine Business Checking standard plan, our Plus and Premier plans offer perks best suited for businesses who make frequent payments and hold significant balances. New Bluevine customers can try either paid plan for a free one-month trial period to see if it’s right for you.
Signing up for one of our upgraded business checking plans is easy—you can select and switch plans anytime from your dashboard.
Bluevine standard plan benefits
The Bluevine Business Checking standard plan helps you get more for your money, with:
- No monthly fees and unlimited transactionsBVSUP-00043
- 1.3% APY on balances up to $250,000 if monthly activity requirements are metBVSUP-00005
- FDIC insurance up to $3 millionBVSUP-00108
- Free standard ACH and incoming wires
- Up to 5 sub-accounts
Bluevine Plus benefits
For a fee of $30 per month—or $0 when meeting waiver requirements—the Bluevine Plus planBVSUP-00134 is built for businesses who want even more out of their business checking account, with:
- 1.75% APY on balances up to $250,000
- 20% off most standard payment fees (including same-day ACH, mailed checks, and domestic and international wires)
- Up to 10 sub-accounts
- 5 free printed and mailed checks per monthBVSUP-00135
- 6 months free Xero subscriptionBVSUP-00181
Bluevine Premier benefits
For a fee of $95 per month—or $0 when meeting waiver requirements—Bluevine PremierBVSUP-00125 is designed for businesses who want the best business checking terms and benefits Bluevine has to offer, including:
- 3.0% APY on all balances
- 50% off most standard payment fees (including same-day ACH, mailed checks, and domestic and international wires)
- Up to 50 sub-accounts
- 20 free printed and mailed checks per monthBVSUP-00135
- 6 months free Xero subscriptionBVSUP-00181
- Priority customer supportBVSUP-00125
How does the free trial work?
During your Plus or Premier trial period, you can earn higher APY on your balances without paying the monthly fee or meeting the fee waiver requirements. You can also take advantage of discounted rates on bill payments through your Bluevine dashboard as soon as you add funds to your Bluevine Business Checking account.
You won’t be charged for your upgraded plan until the end of the trial, and you can switch or cancel your plan anytime if you decide Plus or Premier isn’t right for you.
How do I waive my monthly fee after the trial period?
You can waive the monthly fee for Plus and Premier by meeting balance and spending requirements each month. Click here to see our up-to-date pricing.
To waive the Plus plan’s $30 monthly fee: Maintain an average daily balance of at least $20,000 across your Bluevine Business Checking account and sub-accounts each billing period, AND spend at least $2,000 with your Bluevine Business Debit Mastercard® each billing period.
To waive the Premier plan’s $95 monthly fee: Maintain an average daily balance of at least $100,000 across your Bluevine Business Checking account and sub-accounts each billing period, AND spend at least $5,000 with your Bluevine debit card each billing period.
Find the Bluevine Business Checking plan that fits your needs.
Frequently asked questions
Bluevine is a strong option for business checking if you value digital banking, interest on checking balances, unlimited transactions, payment tools, and cash-management features. Its current offering includes Standard, Plus, and Premier plans, allowing businesses to choose based on balances, payment volume, and desired features. Bluevine Standard has no monthly fee, while Plus and Premier add higher APYs and additional benefits for a monthly fee that can be waived under certain conditions.
Bluevine charges $0 per month for its Standard Business Checking plan. The Plus plan costs $30 per month, and Premier costs $95 per month, though both paid-plan fees can be waived by meeting applicable average-balance and Bluevine card-spend requirements during the billing cycle.
Not necessarily. Bluevine accepts an SSN, EIN, or ITIN in certain cases, depending on your business structure. Sole proprietors and single-member LLCs may be able to apply using an SSN, while corporations and most partnerships and LLCs generally use an EIN. Bluevine’s current application guidance specifies the tax-ID requirements by business type.
