February 2026 product updates

Running a small business today means juggling sales conversations, pricing, payments, and growing risk—often across too many disconnected tools. As your business scales, those gaps don’t just slow you down. They create unnecessary confusion, delays, and uncertainty.

That’s why Bluevine is continuing to expand its comprehensive online banking platform with simpler ways for you to build customer trust, get paid, and manage your money with confidence.

Today, we’re introducing a suite of new product enhancements designed to give you more control, more clarity, and less friction across how you price work, send invoices, manage finances for multiple businesses, and secure your accounts.

This release is built for existing Bluevine customers ready to do more—and for growing businesses evaluating whether Bluevine can replace their scattered tools with a single, modern platform.

Product release highlights

• Own your sales from pricing to payout with estimates, service charges and discounts, live invoice tracking, and more.
• Manage multiple business accounts with a single login and instant Bluevine-to-Bluevine transfers.
• Enjoy more debit and fraud controls with ACH positive pay for our Premier business checking plan.

Summarize in ChatGPT

Start with clarity: Introducing estimates

Before you can get paid, you need alignment.

For many small businesses—especially ones that are project-based or offer variable pricing—invoices can come too late in the process. Without a clear agreement on scope and pricing upfront, work starts before approval, expectations drift, and payments get delayed.

What’s new

With Bluevine estimates, you can now:

• Create, manage, and share estimates with customers from your dashboard
• Convert approved estimates directly into invoices, or accept in-person payments with Tap to Pay^BVSUP-00192
• Automatically send customers a reminder to review your estimate (or multiple reminders with our Plus and Premier plans)
• Add custom fields to your estimates or invoices (with Plus or Premier only)

Everything stays connected, so nothing gets lost between pricing conversations and getting paid.

Who are estimates for?

Estimates are built for businesses with flexible or variable pricing, including:

• Project-based services
• Milestone-driven work
• Custom-priced engagements

Learn more

Why estimates matter

Estimates help you align with customers before the work begins. They help set expectations early, reduce back-and-forth, and create a clear path from agreement to payment.

It’s allowed me to drop some expensive services to do all my estimates and invoices with Bluevine.”

– Scott S. | Made by Beastie, LLC

Learn more about Scott’s brand and creative work here.

Get paid your way with smarter invoicing tools

Once pricing is aligned, invoicing should be simple—not restrictive.

We’ve expanded Bluevine’s invoicing tools to give you more flexibility, visibility, and control over how and when you get paid.

What’s new

• Service charges and discounts: Adjust pricing to reflect your terms, with customizable dollar or percentage service charges or discounts on your estimates and invoices.
• DBA name usage: Send estimates and invoices under the business name your customers are familiar with.
• Live tracking: Skip the guesswork and follow-ups, and easily track estimate and invoice statuses from creation to payment.
• Additional recipients: Loop in stakeholders without extra follow-up using a new “cc:” field.

Coming soon: Autopay for invoices

Soon, your customers will be able to save their preferred payment method and set up automatic payments for recurring invoices—so you can get paid on time, every time.

Sign up for early access

Why this matters

These updates help you price work more accurately and transparently, keep customers informed, and reduce the need for awkward “just checking in” messages. You stay in control, and your customers stay clear on what’s due when.

Manage multiple businesses with one login

Running more than one business shouldn’t require more logins, spreadsheets, or drawn-out money movement. Bluevine now makes it easier to manage checking accounts for multiple businesses from a single, secure login.

What’s new

• One Bluevine login for all your businesses
• Fast, smooth switching between business accounts
• Bluevine Pay for instant, free payments between Bluevine accounts
• Full functionality on desktop and our mobile app

Why this matters

Now, owners and teams with multiple businesses can seamlessly manage all their business finances under one roof, including instantly moving money between their accounts. No more juggling usernames and passwords, and no more waiting on transfers to clear for funds that are already yours.

Bluevine Tip

For business owners managing a single legal entity with multiple locations, you can strategically organize and separate your finances using sub-accounts. Add up to 5 sub-accounts with our Standard business checking plan, up to 10 with Plus, and up to 20 with Premier.

You can also get physical and virtual debit cards for individual sub-accounts, and set up automated transfer rules to make sure your money is always exactly where you need it to be.

Explore sub-accounts

With Bluevine Pay, you can send money instantly between multiple Bluevine accounts you own for free, plus send or receive payments instantly if your vendor or customer also has a Bluevine account.

More control and security as your business evolves

As your team grows, so does the need for smarter controls—not just tighter restrictions. We’ve expanded Bluevine’s security and access features to help you scale and manage your finances more confidently.

What’s new

• Expanded ACH controls by plan, including ACH positive pay for Premier customers
• Two-factor authentication via push notifications, in addition to SMS (coming soon)
• Selective account access for additional users (coming soon)

Why this matters

With ACH positive pay (only available with our Premier plan), you can proactively monitor, review, and approve outgoing ACH transactions to new payees before they’re sent out. Plus, you can easily set threshold dollar amounts for default decisions so you’re only reviewing what you need to, or choose to review all transactions from unblocked payees.

For example, after reviewing a payment to a new payee, you could preauthorize outgoing transactions to that payee up to a certain amount. That way, you can save time on future transaction reviews while maintaining peace of mind.

Two-factor authentication (2FA) push notifications will let you authenticate your login instantly from the Bluevine app itself. No waiting on an SMS to come through, and no codes needed.

With selective account access, you’ll be able to delegate day-to-day work without giving up oversight. Pair these controls with existing role customizations to grant additional users specific permissions to specific accounts or sub-accounts—so the right people get the right access, and nothing more.

Supercharge your banking with our Premier business checking plan.^BVSUP-00117

Learn more

Everything works together, in one place

Each of these updates is powerful on its own. Together, they create a simpler, more cohesive system for running your business:

Estimates → invoices → incoming payments → checking → bill pay → controls

By keeping everything connected, Bluevine helps reduce tool sprawl, manual work, and unnecessary friction—so you can spend less time managing money and more time moving your business forward.

Built for where your business is headed

This product release reflects where small businesses are going, and where Bluevine is going with them.

Whether you’re aligning on pricing, sending invoices, managing multiple businesses, or tightening controls, we now give you more ways to stay organized, get paid, and protect what you’ve built—all from one platform.

FAQs

How does ACH positive pay work?

With our Standard business checking plan, you can easily block unauthorized ACH transactions from your account—either by blocking all ACH debits for a given account or by blocking debits from specific payees. With ACH preauthorization, available in our Plus and Premier plans, you can also proactively allow specific payees to debit from your blocked account or sub-accounts.

Premier customers now have even better tools for protecting against unauthorized ACH debits. With ACH positive pay, you can monitor individual ACH debits before they post. Set a dollar amount that triggers review, or simply choose to review all non-approved vendors. You can also automatically decline (or approve) them, if no manual action is taken.

What’s the difference between an estimate and an invoice?

An estimate is shared before work begins to align on scope and pricing. An invoice is sent after work is completed to request payment. Estimates help prevent surprises, while invoices handle collection.

Can I turn an estimate into an invoice in Bluevine?

Yes. Once an estimate is approved, you can convert it directly into an invoice in one click. That way, you don’t have to re-enter details or worry about mismatched pricing.

Who should use estimates instead of just sending invoices?

Estimates are especially helpful for project-based, milestone-based, or variable-pricing businesses. If pricing can change based on scope or timing, estimates help set expectations early.

How does Bluevine help if I run more than one business?

Bluevine lets you manage multiple businesses under one login, switch between accounts quickly, and move money instantly between Bluevine accounts using Bluevine Pay.

Are these new features available on mobile as well as desktop?

Multi-business management and security controls are supported on both desktop and the Bluevine mobile app, so you can manage everything on the go. Estimates and the invoicing enhancements included in this release are only available on desktop for now, but will soon be available on the mobile app.

Is Bluevine Pay free?

Yes, Bluevine Pay lets you instantly send money between Bluevine accounts at no cost. You can use it to move funds between multiple accounts you own, or to pay or get paid by vendors and customers.