Bluevine

Startups that keep a meaningful operating balance in checking and want interest on it without moving money to a separate investment account.

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Quick overview

Pricing: Standard free; Plus $30/month; Premier $95/month (fees can be waived)
Plans: Standard: $0/month; 1.3% APY on balances up to $250,000 if you spend $500/month on the Bluevine debit card or receive $2,500/month in customer payments. Plus: $30/month, waived with at least $20,000 average daily balance AND at least $2,000 monthly debit card spend; 1.75% APY up to $250,000. Premier: $95/month, waived with at least $100,000 average daily balance AND at least $5,000 monthly debit card spend; 3.0% APY on all balances. One-month free trial of Plus or Premier. Fees (Standard / Plus / Premier): same-day ACH $10 / $8 / $5; outgoing domestic wires $15 / $12 / $7.50; international USD wires $25 / $20 / $12.50; FX wires $25 + 1.5% / $20 + 1.25% / $12.50 + 1.0%; incoming international wires $15 / $12 / $7.50. Standard ACH, incoming ACH and incoming domestic wires $0. Mailed checks $1.50 each (5 free/month on Plus, 20 on Premier). Cash deposits $4.95 via Green Dot or $1 + 0.5% at Allpoint ATMs. MoneyPass ATM withdrawals $0. Banking by Coastal Community Bank, Member FDIC; up to $3M FDIC per depositor through program banks.
G2 rating: 4.7 / 5.0
Comparisons: Featured in 2 comparisons

Key features

Interest on checking: 1.3%, 1.75% or 3.0% APY depending on plan (variable)
Up to $3M FDIC coverage through Coastal Community Bank and program banks
Cash deposits through Green Dot and Allpoint
Up to 50 sub-accounts on Premier
QuickBooks Online, Xero, Wave and FreshBooks sync

Pros

Interest paid on checking, not only savings
Premier pays 3.0% APY on all balances (variable)
Paid plan fees can be waived
Supports cash deposits

Cons

Outgoing wires cost $7.50 to $25 per transfer
Waivers require both a balance AND debit card spend
Standard APY needs monthly card spend or customer payments

Bluevine in our comparisons

Accounting & Finance

Best Business Bank Accounts for Startups

Mercury is the best default business bank account for most US startups: no monthly fee, $0 domestic and USD international wires, and up to $5M in FDIC coverage through partner banks' sweep networks. Choose Brex if you are funded and want cards and spend management in the same product, or Chase if you handle cash.

Emily RodriguezUpdated October 2026

Accounting & Finance

Mercury vs Brex

Choose Mercury if you want the best all-round business bank account with free wires and a simple 1.5% cashback card. Choose Brex if you need a corporate card with detailed spend controls, global coverage or treasury yield below $250,000.

Emily RodriguezUpdated October 2026