What it does
Bluevine combines business checking with invoices, payment links and accounts-payable tools for eligible U.S.-registered businesses. Its Standard plan has no monthly fee, while Plus and Premier add larger subaccount allowances and discounts on many payment fees.
Bluevine brings customer collections and outgoing bills into the same dashboard. Teams can capture bills, apply approval rules and sync accounting records, while debit-card controls limit colleagues’ daily or monthly spending. Bluevine identifies itself as a fintech company, with banking supplied through Coastal Community Bank and program banks.
| Plan | Monthly price | Included subaccounts |
|---|---|---|
| Standard | $0 | Up to 5 |
| Plus | $30, with a waiver option | Up to 10 |
| Premier | $95, with a waiver option | Up to 50 |
To waive Plus’s fee, maintain a $20,000 average daily balance and spend $2,000 with the debit card during the billing cycle. Premier requires $100,000 and $5,000 respectively. Both conditions must be met. On Standard, normal ACH transfers are free, same-day ACH costs $10 and outgoing domestic wires cost $15. Customer card payments have separate processing charges.
Applicants must be 18 or older and own or represent a U.S.-registered business. U.S.-based applicants can apply for supported sole proprietorships, companies, partnerships and nonprofits. Owners living in supported foreign countries have a narrower entity list. The application requests personal details, business activity and tax information; international applicants supply passport information and an image of the passport. Review the country and industry requirements before starting.
Strengths
- The free Standard plan includes five subaccounts and team debit-card spending controls.
- Invoices, payment links and bill approvals share the business account workflow.
Watch out for
- Paid-plan fee waivers require both a qualifying balance and debit-card spend.
- Faster transfers, wires and customer payment processing can add charges.
Best for
- U.S.-registered small businesses managing invoices and bills together
- Teams that need separate account budgets and controlled debit cards
Sources
- Online Business Banking Solutions & Services | Bluevine (Oct 25, 2026)
- Compare Business Checking Plans & Pricing (Oct 27, 2026)
- Learn how to apply for a Bluevine Business Checking account (Oct 27, 2026)