BlueVine (bluevine.com) was originally founded in 2013 as a source of capital for small businesses through invoice factoring and lines of credit. The company has since added a business checking account, designed to improve the banking experience for business owners.
Click here for the best free business checking accounts
With Bluevine, you’re not just getting a checking account; you’re gaining a powerful tool to help manage your business finances. In this review, we’ll take a closer look at the BlueVine Small Business Checking to help you decide if it’s the right solution for your enterprise.
BlueVine Small Business Checking Overview
- Earn 2.0% interest on balances up to and including $250,000 if you meet a monthly activity goal
- No monthly, NSF, ACH, or incoming wire fees
- Live customer support from dedicated professionals
- Pay vendors and bills by ACH, wire, or check
- Unlimited transactions, no minimum balance required
- Make transfers to and from your other accounts
- Deposit checks from the BlueVine mobile app
BlueVine Small Business Checking $300 Bonus
Did you know that switching to a new business checking account can save you money and even earn you cash? That’s right! With Bluevine’s Small Business Checking, you can not only manage your finances more efficiently but also snag a $300 cash bonus just for opening an account!
To get started on your journey to earning the $300 bonus, simply apply for a Bluevine Business Checking account by 12/30/2025 using the referral code RV300. After you’ve opened your account, make sure to add funds within 30 days. To qualify for the bonus, you’ll need to meet at least one of the following conditions every 30 days for the next 90 days:
- Deposit at least $5,000 from eligible merchant services into your Bluevine account.
- Make at least $5,000 of outbound payroll payments using eligible payroll providers.
- Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®.
BlueVine Small Business Checking
| PRODUCT | RATES | FEES |
| BlueVine Business Checking | 2.0% APY | $0 |
BlueVine Business Checking Features
The BlueVine Business Checking Account offers a high 2.0% interest on balances up to $250,000, an ATM card, no hidden fees and live support. Enjoy unlimited transactions – including ACH, wire and check – with no minimum balance required.
Make deposits by cash (at 90,000+ Green Dot locations) or check (mobile app). Plus, the account is FDIC-insured up to $250,000.
Keep in mind, the BlueVine Business Checking Account is online only, with no physical branches. Also, Green Dot charges a $4.95 fee on cash deposits.
To apply, you must be a U.S. citizen at least 18 years old with a verifiable address. The process only requires basic information about your business, including your tax ID or Social Security Number.
Industry-leading 2.0% interest. Earn 2.0% APY on Business Checking balances up to and including $250,000 if you meet a monthly activity goal. Any interest accrued will be paid out on the first of the following month.
The requirements to earn interest are either:
- Debit Card Spend: Spend $500 per month with BlueVine Business Debit Mastercard® issued by Coastal Community Bank pursuant to a license from Mastercard inc, which can be used everywhere Mastercard® is accepted.
- Incoming Payments: Receive $2,500 per month in customer payments into the BlueVine Business Checking account via ACH, wire transfer, mobile check deposit, or directly from merchant payment processing provider.
Sub-Accounts. You can add up to 2 sub-accounts to your existing BlueVine Business Checking account, giving you flexibility and control in how you manage their business.
Online and mobile banking. You can access your BlueVine account either online or by mobile app. The online site lets you transfer money to payees, view and print account activity and documents, and get assistance when necessary. The mobile app has all the online features, but with remote check deposits as well.
Lack of fees. Business Checking does not charge any monthly or overdraft fees, but there is a $15 fee for every outgoing wire transfer and a $2.50 fee for non-network ATM transactions.
Funds availability. Business Checking comes with an ATM card for fee-free withdrawals at over 38,000 MoneyPass locations nationwide.
Bottom Line
Opening a Bluevine Business Checking account is an excellent step for small business owners looking to streamline their banking while earning extra cash. The $300 cash bonus is a fantastic incentive, and with no monthly fees and high-interest rates, you can make your money work harder for you. It’s a good fit if you’re looking for a no-fee bank account with a relatively high APY.
NorthOne also offers mobile banking for small businesses, startups and freelancers.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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