Bluevine - Accounting Software

Our Verdict

Bluevine’s evolution from a small fintech startup into a full-service business banking solution has been remarkable. Its combination of fee-free banking, high-yield interest rates, automation, and seamless accounting integrations makes it one of the strongest contenders for business owners in 2025.

It’s particularly attractive for digital-first companies that want to manage everything online – earning interest, sending invoices, and paying bills from one dashboard.

While it’s not ideal for cash-heavy operations or businesses needing traditional branch access, Bluevine’s technology-driven approach continues to raise the bar for online banking. If you’re ready to simplify your finances, earn more on your balance, and enjoy tools that make business management smarter, Bluevine delivers exceptional value.

Pros

Earn up to 3.7% APY on balances
Debit card with up to 4% cash back
Integrates with QuickBooks, Xero, Wave
International payments available
FDIC insured up to $3 million

Cons

Online-only banking (no physical branches)
Limited cash deposit options ($4.95 per deposit via Green Dot)
No joint accounts or multiple debit cards per user
Weekend phone support unavailable

Products & Pricing

Bluevine offers three tiers of business checking – each with different interest rates, benefits, and support levels. Regardless of which plan you choose, you’ll enjoy unlimited transactions, no monthly maintenance fees, and the convenience of full online and mobile access.

Standard Plan

The Standard Plan is Bluevine’s most accessible option, designed to give you everything you need without any hidden fees or complicated requirements. It’s completely free to open and maintain, with no monthly charges or minimum balance requirements, making it a stress-free choice for small business owners and freelancers alike.

You can earn a competitive 1.5% APY (Annual Percentage Yield) on balances up to $250,000, allowing your money to grow passively while it sits safely in your account.
Even at this entry level, you’ll enjoy unlimited transactions and the flexibility to manage your finances across up to five sub-accounts, which is perfect for separating business expenses or saving for specific goals. Your funds are FDIC insured up to $3 million through Bluevine’s partner, Coastal Community Bank, ensuring complete peace of mind.

To keep your bookkeeping seamless, the account integrates smoothly with QuickBooks, Xero, and Wave, syncing transactions automatically, so you can focus on your business instead of manual data entry. The Standard Plan is ideal if you’re looking for a straightforward, high-yield account that combines simplicity, security, and zero fees.

Plus Plan
The Plus Plan is crafted for businesses scaling up that need a bit more structure and personal attention. Priced at $30 per month, it offers an elevated experience with extra organization tools and enhanced support. You’ll earn up to 2.7% APY on balances up to $250,000, which is higher than many traditional business accounts and helps maximize your returns while maintaining flexibility.

What really sets this plan apart is the added level of control it gives you over your business finances. You can create up to ten sub-accounts to track spending by department, project, or revenue stream, making financial management more organized and transparent.

Each account also includes access to priority customer support and a dedicated account manager, so help is always within reach whenever you need it. The Plus Plan also includes two free domestic wire transfers each month, along with robust Bill Pay tools and automated vendor payment scheduling, helping you stay on top of payables and streamline your cash flow. If your business is growing and you want more control and personal assistance, the Plus Plan strikes the right balance between affordability and sophistication.

Premier Plan
The Premier Plan is Bluevine’s top-tier offering – built for established companies or larger teams that handle significant transaction volumes and require more advanced tools. For $95 per month, or free when you maintain a $100,000 balance and at least $5,000 in monthly debit card spending, you gain access to the platform’s most powerful banking features. This plan delivers up to 3.7% APY on balances up to $3 million, giving you one of the highest interest rates available in the business banking world.
Beyond the generous APY, the Premier Plan offers enhanced operational control through multi-user access and role-based permissions, enabling you to securely delegate financial tasks within your organization.

You’ll also enjoy a Bluevine debit card that earns up to 4% cash back on select business categories, a great way to add value to your everyday transactions. The plan includes concierge-level customer service, extended support hours, and increased transaction limits to accommodate high-volume activity. It’s perfect for well-established businesses managing complex budgets or teams that need advanced tools for efficiency and collaboration.

Bluevine does not currently offer a money-back guarantee, but both the Plus and Premier plans include a 30-day free trial, allowing you to test-drive all the premium features before you commit.

All plans include free access to the Bluevine mobile app, desktop banking dashboard, and integrations with top accounting and payment tools.

Standard

$0 /mo

Plus

$30 /mo

30-Day Free Trial

Premier

$95 /mo

30-Day Free Trial

In-depth review

Features and Functionality

Bluevine goes beyond traditional business banking by offering features designed to simplify your financial operations. From instant payments to automatic accounting sync, it’s made for modern business owners who want less paperwork and more control.

You can open an account online in minutes, deposit checks through your phone, and manage sub-accounts to separate expenses or revenue streams. The dashboard provides a real-time view of your cash flow and integrates with major accounting tools to help you stay organized.

You’ll also find advanced payment tools that make vendor management easy. Send ACH transfers, schedule recurring payments, or have Bluevine mail physical checks directly to suppliers.

Invoicing & Payments

Bluevine’s newest feature helps you create, send, and manage invoices right from your account. You can offer multiple payment options, including ACH (Automated Clearing House), debit, and credit card, making it easier for your clients to pay on time.

Each payment automatically syncs to your accounting software, reducing manual entry and improving accuracy. It’s a lifesaver if you want to streamline billing without needing separate invoicing software. Trust me, nothing is more laborious than manual entry, so this is a real lifesaver!

Financing & Credit Options

In addition to checking, Bluevine offers access to lines of credit up to $250,000 to help your business maintain smooth cash flow. Approval decisions can be made in minutes, and you only pay interest on what you actually use.

You’ll need to meet certain requirements, including:

A minimum of six months in business
$40,000 in monthly revenue
A credit score of 625 or higher.

Bluevine also offers Paycheck Protection loans and flexible financing options to help you expand or cover unexpected expenses.

International Payments

Bluevine now supports sending payments to 32 countries in 15 currencies, including major markets such as the U.K., Israel, Germany, India, and Canada. You can make international payments from 8 a.m. to 5 p.m. ET each business day directly from your dashboard. Payments sent in U.S. dollars cost $25 per transaction, and payments in foreign currencies are $25 plus 1.5% of the payment amount.

Add-ons and Integrations

Bluevine integrates smoothly with major accounting and business tools. Supported platforms include QuickBooks Online, Xero, Wave, PayPal, Stripe, FreshBooks, and Gusto. You can also automate workflows using Zapier or connect with Google Workspace and Dropbox for document management. The mobile app for iOS and Android gives you complete control to deposit checks, approve payments, and monitor transactions anytime, anywhere.

Ease of Use

Getting started with Bluevine is simple – you can open an account online in under five minutes. The interface is intuitive, with color-coded sub-accounts and a dashboard that displays balances, pending transactions, and recent activity at a glance. There’s almost no learning curve, and even if you’re new to business banking, you’ll find the setup effortless.

The onboarding process includes easy walkthroughs for linking your accounting software, setting up Bill Pay, and adding authorized users. There’s no IT setup required, and you can run your entire business’s banking operations from your laptop or phone.

Customer Service

Bluevine’s customer service is responsive and professional, though availability is limited to weekdays. You can contact support via live chat, phone, or email. The website’s help center includes detailed FAQs, step-by-step guides, and video tutorials. Their business hours are Monday–Friday, 8 a.m.- 8 p.m. ET. With priority support for Plus & Premier plan users.