Bluevine isn't a bank—it's a financial-technology company whose banking services are provided by Coastal Community Bank, Member FDIC.

Being a fintech company allows us to charge fewer and lower fees, and make our financial services more accessible to owners of new, small, or geographically remote businesses. Bluevine Business Checking accounts are also FDIC-insured up to $3,000,000 per depositor—12 times the standard amount of $250,000—through Coastal Community Bank, Member FDIC and their sweeps program banks.

Bluevine is a trusted partner of many growing businesses. In the 10+ years since our founding, we have:

• Served over 900,000 businesses across the U.S.
• Been trusted with more than $1.8 billion in managed customer deposits
• Delivered more than $16 billion in loans^BVSUP-00052

No, Bluevine can be a great banking platform for businesses of all sizes. In fact, Bluevine Business Checking offers multiple plans that might be right for you, each with the opportunity to earn high-yield interest and save on payment fees, along with the support and security you need to bank with confidence.

Eligible U.S.-based businesses are welcome to apply online for a business checking account or business line of credit. Minimum qualifications apply, as well as additional restrictions related to industry and operating location.

No, Bluevine is not currently integrated with Zelle. Zelle is owned and operated by Early Warning Services (EWS), a company owned by a group of large U.S. banks. While Zelle can be a useful tool for customers of those traditional banks, the service has not been made available to customers of financial technology companies like Bluevine.

However, you still have plenty of options for sending and receiving money with Bluevine Business Checking^BVSUP-00074, including:

• Same-day ACH
• Free standard ACH
• Domestic and international wire transfer
• Check
• Bluevine Pay

Bluevine is also compatible with many popular financial applications to help you streamline your transactions.

Eligible customers can earn up to 3.0% annual percentage yield (APY) on their Bluevine checking balances.^BVSUP-00147 See the table below for more details.

Bluevine calculates simple interest daily and credits it to your account monthly. APY is computed on a calendar year basis. We only pay interest in whole cents, so any interest that’s a fraction of one cent will be rounded up or down to the nearest cent.

Learn more about how interest is calculated.

Bluevine doesn't charge monthly service fees,^BVSUP-00122 overdraft fees, incoming domestic wire or ACH fees,^BVSUP-00074 or in-network ATM fees.^BVSUP-00004 We also don't have a minimum balance requirement, minimum credit score, or limits on the number of transactions you can perform.^BVSUP-00043

We do charge fees for certain transactions, such as outgoing wire transfers or international payments. Learn how Bluevine's fees compare to other business checking accounts.

Required documentation to apply for a Bluevine Business Checking account may vary slightly, depending on what type of entity your business is, but the information broadly falls into three categories:

1. Personal info We'll ask for some basic information to create your sign-in: your full name, email address, mobile phone number, and a secure password.
2. Business details This includes trade name or DBA name, business address and phone number, EIN confirmation letter, annual revenue, entity type, and your industry.
3. Owner verification We'll want to learn about you and anyone who owns 25% or more of the business: your home address and phone number, date of birth, SSN, and ownership percentage of the business. We may also ask for the front and back of your driver's license.

For a detailed breakdown of what you'll need by entity type, click here.

Bluevine Business Checking is currently only available in the United States—we don’t accept applications from businesses in U.S. territories or other countries.

Businesses in the following industries are ineligible for Bluevine Business Checking:

• Illegal gambling
• Pornography and paraphernalia
• Firearms and paraphernalia
• Illegal substances
• Other controlled substances (including medicinal marijuana, marijuana, cannabis, and hemp) and paraphernalia
• Penny auction companies and bulk exchanges of virtual currency (e.g., cryptocurrency)
• Political campaigns

Any eligible United States–based sole proprietorships, corporations, partnerships, or nonprofit corporations are welcome to apply online.

A Bluevine Business Checking account gives you many choices for sending and receiving money, including automated bill pay and free customer invoicing.

Funding your account

• Mobile check deposit: Deposit checks using the Bluevine app.
• Bank transfers: Initiate a transfer from an external bank account using your Bluevine dashboard.
• Wire transfer: Receive incoming domestic wires at no cost or international wires for a $25 fee.^BVSUP-00079
• Cash deposit: Locate your nearest Green Dot® or Allpoint+ location.^BVSUP-00039

Receiving customer payments

• Check and standard ACH transfer: Receive customer payments at no cost.
• When you link a Stripe account:
  • ACH direct debit: Accept customer payments via ACH direct debit for a 1% fee.
  • Credit card, debit card, and mobile wallet payments: Accept card payments for a 2.9% + $0.60 fee.
• In person: Accept customer payments with Tap to Pay using your iPhone or Android phone, no hardware needed.

Sending money

• Mailed checks: We’ll issue and mail checks to vendors on your behalf for a small fee of $1.50 per check payment.^BVSUP-00074
• Same-day ACH: Send same-day ACH for $10 per transaction.^BVSUP-00074
• Standard ACH: No cost.
• Domestic wires: $15 per transaction,^BVSUP-00079 significantly lower than the industry standard.
• International wires: Send money to 32 countries for a $25 fee if sent in USD. For payments sent in foreign currencies, we add a 1.5% fee.^BVSUP-00074

Withdrawing cash

• ATM: To make a fee-free cash withdrawal, visit a MoneyPass® ATM.^BVSUP-00004

Yes, you can deposit both cash and checks with your Bluevine Business Checking account.

Use the Bluevine mobile app––available in the Apple App Store and the Google Play store––to deposit checks from your phone. Mobile deposit makes it easy to add funds to your account on the go, as long as you have our mobile app, a properly endorsed check, and a well-lit area.

You can also deposit cash at 90,000+ Green Dot® retail locations and more than 1,500 Allpoint+ ATMs nationwide.^BVSUP-00039 Find a participating location near you.

Though same-day availability is possible, your funds will likely be available within 1–7 business days if you deposit your check before 6pm ET. Please note that you can’t cancel a deposited check once the depositing process has begun.

Yes, you can withdraw cash fee-free from 37,000+ in-network MoneyPass® ATMs using your Bluevine Business Debit Mastercard®. For a list or map of ATMs, please visit the MoneyPass network’s ATM locator.

You can also withdraw cash from out-of-network ATMs for a fee.^BVSUP-00004

A sub-account is an account with its own dedicated account number that you can use in addition to your main Bluevine Business Checking account. All Bluevine Checking accounts have the same routing number, but each sub-account will have a unique account number.

As your business grows and operations become more complex, organizing all your finances through one account can become a headache. Instead, you can use sub-accounts to:

• Control which accounts your vendors, suppliers, or contractors can bill to
• Separate taxes and other expenses from your business profit
• Budget amongst different spending categories

Currently, each Bluevine Business Checking account can have up to 5 sub-accounts with the Standard plan. You can have up to 10 sub-accounts with our Plus plan, or up to 20 sub-accounts with our Premier plan. You can also issue debit cards with unique card numbers for each sub-account. Eligible customers can earn up to 3.0% APY on main account and sub-account balances with one of our business checking plans.

Learn how sub-accounts can help organize your finances.

No, it doesn’t raise approval odds, but it speeds up the decision. We’ll be able to make a faster decision if you already have a transaction and credit history with us.

Once you receive your Bluevine Business Debit Mastercard®, activate it in the app or by calling 888-216-9619.

• From your dashboard or mobile app: Head to the Settings screen to activate your card.
• Calling our automated system: Call (888) 216-9619 and follow the prompts to activate your card.

You can call (888) 216-9619 24/7 to:

• Activate, lock, or cancel your card
• Update your ATM PIN
• Check your balance
• Report a card as lost or stollen

Need a new card? Easily report your card as lost or stolen and order a new one from the Settings screen.

You (the account administrator) can invite your partners and team members to become additional users on your Bluevine account, which lets them manage bills and make payments. There are two different additional user roles—authorized user and contributor—with different permissions.

You can also invite your accountant to become an additional user. With the accountant role, they can access the transaction and tax information they need using their own sign-in credentials.

Learn more about the different roles you can assign additional users.^BVSUP-00076

No. Bluevine isn’t compatible with instant money transfer services right now, but we’re compatible with many popular financial applications. For a list of apps we’re compatible with, check out our Guide to Connecting Financial Apps.

We also offer same-day ACH ($10) and wire transfers ($15). Many free standard ACH transfers are available as soon as the next business day.

Yes, you can keep the old account open, although it may complicate matters for your bookkeeper or accountant. You also might pay monthly fees for your old account that could be eliminated by closing it after your new account has been opened. Some business owners use different banks to organize their finances, though some business checking accounts let you add sub-accounts with dedicated account numbers to help you budget more easily.

Most banks require an EIN or tax ID to open a business account. If you operate a sole proprietorship, some banks let you open a business account using your Social Security number. If you plan on switching banks, it’s a good opportunity to explore which entity is best for your business.

The primary benefit of digital-first banking is time saving. You'll save a considerable amount of time not having to visit your bank's physical branch to conduct business. Plus, fees are usually lower and interest rates higher if you bank with a digital-first bank or banking platform because of its lower cost of doing business.

Rather than physical branch locations, digital-first banks or banking platforms bring the experience to you in the form of intuitive apps and a simple user experience. This approach translates to more convenience and an all-around better experience.

Keep in mind that the FDIC insures online-only checking accounts up to the same limits as traditional brick-and-mortar banks.

There’s always a chance you’ll experience issues when switching bank accounts. If you have any problems with your old bank, you’ll need to contact their support. Similarly, you may need to contact your new bank's support if the issue is on their end. That’s why it’s important to choose an account that’s known for having excellent customer service––so you can manage your finances with confidence.

You can definitely switch banks to consolidate business checking and lending. Putting all your accounts under one digital roof is a great way to reduce fees and the time you spend shuffling through accounts. Just be sure you’re comparing interest rates and loan terms when choosing a bank.

If your banking service provider offers both a business checking account and a line of credit, you might be able to access your line of credit funds faster when you have them deposited into that provider’s business checking account.

Bluevine doesn’t have a minimum balance requirement. However, business checking accounts at other institutions may require a minimum deposit.

Mixing your personal and business finances could open you up to personal liability, so it’s a good idea to use separate accounts for each. Opening the right business checking account to manage your LLC's finances can help you save on monthly fees or give you the opportunity to earn interest on your operating balances.

Yes, you’ll need an Employer Identification Number (EIN) from the IRS to open a business bank account.

Yes. Some banks have restrictions on how often you can make check deposits. With Bluevine Business Checking, you can use mobile check deposit to deposit checks from your phone—at 2x the average monthly limit.

Yes, your Bluevine Business Checking account comes with a convenient and secure Bluevine Business Debit Mastercard®, which rewards you for everyday business purchases. Learn more about your debit card’s benefits.

For no additional fee, you can also issue additional physical and virtual debit cards for each of your main or sub-accounts to your trusted team members, so you can make business purchases without sharing card details over text or email. A total of 50 physical and virtual debit cards can be issued. Closed and deactivated cards do not count toward the 50 card limit.

Yes—Bluevine offers three business checking plans differing in APY, fees and perks.

You can waive the monthly fee for Plus and Premier by meeting balance AND spending requirements.

A line of credit for business offers flexibility by allowing businesses to draw funds as needed, while a small business loan provides a lump sum of money with fixed repayment terms.

Once approved for a credit line, you can request funds directly from your Bluevine dashboard. We’ll deposit funds in your account as soon as a few hours, pending review and approval. Depending on which repayment plan you qualified for, we’ll automatically debit your account for weekly or monthly repayments. As you pay off your balance, the amount of available credit you can request automatically replenishes.

You can apply for a Bluevine Line of Credit as long as your business meets the minimum qualifications and does not operate in one of the following ineligible industries or states:

Ineligible industries

• Illegal gambling
• Pornography and paraphernalia
• Political campaigns
• Firearms and paraphernalia
• Illegal substances
• Other controlled substances (including medicinal marijuana, marijuana, cannabis, and hemp) and paraphernalia
• Financial Institutions and lenders (including insurance, penny auction companies, and cryptocurrency)
• Donation-based non-profits
• Auto dealerships

Ineligible states

• Nevada
• North Dakota
• South Dakota
• U.S. territories

To qualify for a Bluevine Line of Credit, your eligible business must be a corporation or LLC in business 12+ months, with no bankruptcies on file, and in good standing with your Secretary of State. Also, your business must earn $10,000 in monthly revenue––or $120,000 annually––and you must have a 625+ personal FICO credit score.

We’ll verify this information when you apply and each month after to ensure you remain eligible. The fastest way to do this is to connect your external bank account. If you don’t, you’ll need to manually upload bank statements from the last three months. Learn more about bank connections.

It’s easier to apply for a line of credit if you already have a Bluevine Business Checking account.

While applying and reviewing an offer will not impact your personal credit score, accepting an offer may result in a hard inquiry. Further, if you default on a Bluevine Line of Credit you may be subject to negative business reporting and personal credit reporting in your role as guarantor.

When you apply for a Bluevine Line of Credit, you could find out if you’re approved in as little as 5 minutes. If you have a Bluevine Business Checking account, you can also access your line of credit funds instantly once a draw is approved.

Once your draw is approved, you can get funds deposited to your bank account in as quickly as a few hours if you choose our bank wire option ($15). Or, choose our fee-free ACH transfer option, which typically gets funds deposited the next business day, although it may take up to three. You can also receive your funds instantly if you have a Bluevine Business Checking account.

If you’re approved for a Bluevine Line of Credit, you’ll also be approved for either our weekly or monthly repayment plan. Repayments are automatically debited from your bank account, so as long as you have enough money in your account to cover the full amount, you never need to worry about missing a payment.

Learn more about connecting an external bank account.

Bluevine offers credit lines up to $250,000, but your line amount will depend on what you’re approved for when you apply, plus whether you qualify for line increases later on. Your available credit replenishes as you make repayments. Draw requests are subject to review and approval.

As your business grows, your Bluevine Line of Credit can grow with it. We’ll proactively evaluate your business finances to see if you’re eligible for another increase. You may also be able to request an increase to your line of credit from your Bluevine dashboard.

When you’re applying for a line of credit, having a Bluevine Business Checking account or connecting your external bank account helps us make decisions even faster.

Once you have an active line of credit, your bank connection helps us quickly confirm that you qualify for future draws or potential credit line increases. If you close or change bank accounts, you can easily connect a new one from your dashboard.

Without a bank connection or active Bluevine Business Checking account, you’ll need to manually upload statements for us to review every month, which could delay draw approvals or potential credit line increases. You can also receive your funds faster, get line of credit fee or rate discounts, and avoid manually uploading statements if you have a Bluevine Business Checking account.

Learn more about connecting an external bank account.

Stacking loans or credit lines can negatively impact your credit line and lead to your Bluevine account being put on hold. Please reach out to us before applying for credit elsewhere by visiting our contact us page or calling (888) 216-9619 from Monday to Friday 8am–8pm ET.

Bluevine offers fast business funding, with approved businesses typically able to access funds within 24 hours of approval.^BVSUP-00127

A business line of credit provides small businesses with the flexibility to manage cash flow, cover unexpected expenses, or invest in growth opportunities without committing to a long-term loan.

To apply for a line of credit, apply on our website. We’ll ask you for some basic information about you and your business. Once you apply, we could send you our decision in as little as five minutes.

Just make sure you meet these minimum qualifications:

• $10,000 in monthly revenue
• 625+ personal FICO credit score
• In business for 12+ months
• Corporation or LLC
• No bankruptcies on file
• In good standing with your Secretary of State
• Business is operating or incorporated in an eligible U.S. state
  • Ineligible states include:
    • Nevada
    • North Dakota
    • South Dakota
• An active bank connection or statements from the last 3 months (a connected account makes it faster and easier to confirm your information). It’s easier to apply for a line of credit if you already have a Bluevine Business Checking account.

Think of a business line of credit as funds your company can request and use if and when you need it. With a Bluevine Line of Credit, you only pay for what you use, and your available credit line replenishes as you make repayments on your draw(s). All draw requests are subject to review and approval. As you build history, the size of your credit line can scale with the size of your business.

A business line of credit provides greater flexibility to your business, allowing you growth opportunities that might otherwise be unavailable to you. For example, a line of credit can provide financial stability if you encounter unexpected expenses or seasonal fluctuations in revenue.

If you’re looking to boost your growth, you can purchase more inventory or operations equipment, or fund a new marketing campaign. If you’re expanding, a line of credit can help you open a new office or location, or it can support a new product launch.

For your business to qualify for a Bluevine Line of Credit, you must have a personal FICO credit score of at least 625+.

Yes—you can apply for a Bluevine Line of Credit as a corporation or LLC.

Yes—you can apply for a Bluevine Line of Credit if you have these two Taxpayer Identification Numbers:

• a Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
• an Employer Identification Number (EIN)

Term loans and lines of credit are two different types of business loans.

Your repayment schedule and terms may vary and are determined by your lender.

No, Bluevine doesn’t offer term loans, but you can be considered for a term loan from our network of lending partners.

Yes, if a Bluevine Line of Credit isn’t right for you, you may still be eligible for a term loan or line of credit from one of our partners. If so, you’ll see one or more potential funding options from our lending partners. Please note Bluevine cannot guarantee that you will be presented with all available offers from our lending partners.

Yes, you can create and send unlimited free invoices or payment links through your Bluevine dashboard. However, depending on how a customer chooses to make their payment, Bluevine will deduct any associated payment processing fees, i.e., to accept credit card, debit card, or ACH direct debit payments.

When a payment is processed through your linked Stripe account, it will incur a fee based on the payment type. Credit card, debit card, and digital wallet payments have a 2.9% + $0.60 fee, and ACH direct debit payments have a 1% fee. Invoices processed via standard ACH, cash, or other payment methods outside of Stripe are free. You will only ever be charged once by Bluevine for each payment transaction. Stripe will not double charge fees.

ACH direct debit is a type of ACH payment where funds are pulled directly from a customer’s bank account with their permission. It is an alternative to standard ACH credit transfers, which are initiated by the sender and require you to provide your bank information. ACH direct debit is a faster and easier way to accept customer payments without needing to share your own bank details. ACH direct debit is often used to facilitate recurring payments, such as monthly subscriptions or utility bills, but can be used for one time payments as well.

Yes! You can enable payment processing in your Bluevine dashboard so customers can pay you via credit card and other payment methods from customers. Our payment links are powered by Stripe, a popular payment service provider (PSP) for small businesses.

Your Bluevine dashboard makes sending invoices and payment links super easy. Create and send a professional invoice or simple payment link to customers in minutes.

From the Sales tab in your dashboard, you can create unlimited invoices with your company logo for free—and in just a few clicks. You can then share with your customer via email, sms, invoice link, or PDF. If you have payment processing enabled, you can accept card, digital wallet, or ACH direct debit payments directly into your main Bluevine Business Checking account or a designated sub-account by including a payment link on your invoice.^BVSUP-00192

If you're a Bluevine Plus or Premier customer, you can choose to make an invoice recurring when setting up an invoice in your Bluevine account. Recurring invoices will automatically be sent to your customer on a daily, weekly, monthly, or yearly cadence, until your specified end date.

After you send a payment link, all your customer needs to do is click the link and select their preferred payment method. Once their payment is processed, the funds will be deposited directly into your main Bluevine Business Checking account or designated sub-account and you could start earning interest immediately.^BVSUP-00147

Yes, you can send an unlimited number of invoices to your customers for free. If you don’t use payment links, you’ll need to coordinate with each customer to determine how you’ll receive payment. For example, customers can still pay you via check, which you can easily deposit from your phone, or direct ACH transfer—which requires sharing your routing and account numbers.

Yes, you can send payment links to request payments from customers without sending an invoice. You can also easily include a payment link in an invoice so your customers can pay via card, digital wallet, or ACH direct debit.^BVSUP-00192

No, you don’t need a Stripe account to create and send invoices from your Bluevine dashboard, or to accept direct payments from customers via check or ACH transfer. (Note: These types of payments will not show up in your Sales tab.)

However, you will need a connected Stripe account to accept card, ACH direct debit, and digital wallet payments into your Bluevine Business Checking account via payment links, which you can add to invoices for seamless payment processing.^BVSUP-00192

If you don’t already have a Stripe account, you can easily create one from your Bluevine dashboard.

Yes, you can choose to send automatic reminders to your customers for unpaid invoices. Standard customers can send one reminder per invoice the day before the payment due date. Plus and Premier customers can schedule up to four reminders for each invoice. The reminder message won't send if an invoice is paid.

Yes, you can add attachments such as contracts, estimates, purchase orders, and other PDFs directly to your invoices to reduce extra back and forth that could delay payments.

A payment link is a simple, secure way for businesses to accept payments from customers. Payment links allow you to create and share a URL with your customers for single or multiple transactions. Then customers can select their preferred payment option—including credit card, debit card, and ACH direct debit—and you receive payment directly into your business checking account.^BVSUP-00192

No, you do not need a business website to use Bluevine Payment Links to accept customer payments. One of the most convenient benefits of payment links is that you can simply create a link and send to your customers—without any website or code needed.

First, you can enable payment processing and connect your Stripe account to your Bluevine Business Checking account. If you don’t already have a Stripe account, you can easily create one right from your Bluevine dashboard. Then, you’ll be able to set up payment links in just a few clicks for different products or services, individual customers and invoices, limited-time offers, and more. You can also turn links on or off as needed, and even add them to invoices so customers can pay you directly from an invoice via their preferred payment method.

You can share payment links with your customers in a variety of ways, including via email, text/SMS, or social media. You can also include payment links in invoices you send from your Bluevine dashboard, which can be branded with your company logo.

Yes! Payment links are a simple and safe way to accept payments from customers. Powered by Stripe, Bluevine Payment Links help keep all customer information private and secure.

Tap to Pay lets you accept contactless payments using your phone as the card terminal, with funds going directly to your Bluevine Business Checking account.^BVSUP-00192

Tap to Pay works on iPhone and Android mobile devices (no extra hardware required) and accepts:

• Contactless credit or debit cards
• Mobile wallets: Apple Pay and Google Pay^BVSUP-00196
• Smartwatches

Bluevine's Tap to Pay is available on your iPhone or Android device. It can accept payments from any contactless payment method, including mobile wallets on your phone or wearables and credit or debit cards.

There are no fees to setting up Tap to Pay with Bluevine. There are Stripe processing fees of 2.7% plus $0.30 per transaction.

Tap to Pay is completely secure. Your device never stores personal information, and all data is encrypted, similar to any other card or mobile wallet transaction.

Yes, Tap to Pay works with mobile wallets such as Apple Pay and Google Pay.^BVSUP-00196

Get started with Bluevine's Tap to Pay feature in just a few steps:

1. Download the Bluevine app: Get the Bluevine app on your iPhone or Android device
2. Enable Tap to Pay: Set up or connect your Stripe account through your dashboard to enable Tap to Pay.
3. Enter transactions details: Add a custom amount and a description for your transaction.
4. Tap, pay, and get paid: Have your customer tap their card, digital wallet, or smartwatch to your phone. Funds will be deposited directly to your Bluevine Business Checking account.

Yes, you can use Tap to Pay for both in-store and on-the-go sales. It's perfect for pop-ups and deliveries, as the mobility of your phone allows you to accept payments anywhere, any time.

Bluevine determines eligibility using a variety of factors, but you’ll at least need to meet our minimum qualifications to be considered: 

• Applicant must be at least 18 years old
• Business is operating or incorporated in the U.S.
• 700+ personal credit score

In addition, general partnerships and sole proprietorships are ineligible for a Bluevine business credit card.

If you open a Bluevine credit card you’ll be ineligible for a Bluevine Line of Credit. If you currently have a Bluevine Line of Credit, then you’re ineligible for a Bluevine credit card.

A business credit card is a credit card designed to be used for business-related expenses, such as purchasing office supplies, paying for business travel, or managing cash flow. It can also help build your business credit.

The Bluevine Business Cashback Mastercard® comes with unlimited 1.5% cash back on business expenses made by you or your team. Plus, customers enjoy Mastercard perks like ID theft protection and car rental insurance, as well as exclusive discounts on Quickbooks Online, McAfee Intuit products, and more.^BVSUP-00068

A “spoofing” site is a website designed to mimic a financial institution’s sign-in page so that customers who don’t realize it’s fake will enter their sign-in credentials. When signing in to your Bluevine dashboard, always check the website URL is correct and check for misspellings or extra characters.

If you think your account is compromised, act fast:

• Freeze your credit with the major credit bureaus—e.g, Trans Union, Experian, and Equifax
• Follow these steps to freeze your Bluevine debit card (and cards at other institutions)
• Reset your passwords—especially your email and any bank accounts linked to Bluevine—to new, unique passwords
• Contact us so we can take steps to protect your account

For more information, read this help center article.

It’s important to make sure you’re actually speaking with someone from Bluevine. If you’re unsure, hang up the phone, go to your mobile app, and call the customer support number listed there.

• We’ll never ask for your one-time passcode, password, or PIN
• We’ll never contact you on social media asking for personal details
• Check the email domain (@bluevine.com) for misspellings or extra characters.

Bluevine works hard to continuously update and enhance our security features, and you can help by staying alert and never sharing secure information with anyone. You can learn more by visiting the FTC’s website and reviewing the types of scams fraudsters use.

If you have any questions or want to talk with a support representative, feel free to contact us.

FDIC stands for “Federal Deposit Insurance Corporation,” an independent agency created by Congress to maintain stability and public confidence in the nation's financial system. One of its main purposes is to protect you from the loss of your money in the case of a failure of an FDIC-insured financial institution. When your money is FDIC insured, you can rest assured that should anything happen to the institution holding it (or the fintech you’re using, like Bluevine), your money will still be yours for you to claim.

The standard amount of FDIC insurance is up to $250,000 per depositor per FDIC-insured bank. Some fintechs, like Bluevine, offer additional FDIC protection through a sweep network, which distributes your deposits across multiple FDIC-insured banks to expand your coverage. If you have a business checking account through a fintech that uses a sweep network, you might enjoy FDIC insurance that goes well above the $250,000 standard amount. For example, Bluevine Business Checking accounts are FDIC insured up to $3 million through Coastal Community Bank, Member FDIC and our program banks.

Yes, Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. $3,000,000 in FDIC insurance is offered by multiplying the standard $250,000 FDIC coverage across multiple banks. Visit here for more details.

Yes—like with any fintech that partners with a member FDIC bank, your funds are still covered by FDIC insurance through the partner bank(s) if there is a failure. In that scenario, you would need to go directly to our partner bank, Coastal Community Bank, Member FDIC, to access balances from any accounts you held through Bluevine.

Learn more about how your money is protected by fintechs vs. traditional banks.

You’ll be able to see exactly where your money is on your monthly statements. Our program banks are part of a trusted sweep network, which allows your money to be held by multiple banks so your funds are FDIC-insured up to $3 million.

Yes—new and existing customers automatically receive $3 million in FDIC insurance, but you’ll be able to opt out by contacting customer support. If you opt out of expanded coverage, your FDIC coverage will revert to the standard amount of $250,000.

You can still earn 1.3% APY on your Bluevine Business Checking balances up to $250,000 if you meet a monthly activity requirement.^BVSUP-00005 The only change is that we'll calculate your qualified interest activity through 3pm ET on the last business day of the month, and any activity beyond that will roll over toward the following month's qualifications.

A sweep network is a secure network of partner banks that allows us to strategically distribute your Bluevine Business Checking balances. This way, your funds are held by multiple trusted, FDIC-insured banks within the network, and you can manage your finances more confidently knowing that your deposits are protected up to $3 million instead of the standard limit of $250,000.