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Bluevine Business Checking Review


Bluevine business checking is an online-only bank account designed to assist small businesses in managing their money more effectively. There are no monthly fees, and you’ll get a free Mastercard debit card, along with features that can save them money, such as automated bill payment and Quickbooks integrations.

Easy to open

Blueline business checking offers small businesses an online small banking option with a quick application process and multiple features, including depositing checks via mobile app or transferring funds from another account to add cash at retail locations, tracking bills and payments through its dashboard, setting up custom email addresses to receive payments directly, sync up with QuickBooks Online accounts, as well as set up a customized email address to receive them directly.

BlueVine offers businesses looking for an interest-bearing account with no monthly fees and a high minimum balance the perfect solution to those without time to visit a bank branch – its customer service representatives are on hand 24/7 to assist with all inquiries, in addition to offering fee-free checking accounts also provides merchant accounts and credit cards.

To open an account, you must submit personal and business-related details, including your name and address, business type and industry, EIN or SSN, and contact information of all owners as well as proof of identity documents or incorporation papers. Once approved, we will notify you within 24 hours.

Bluevine allows you to set up to five no-fee subaccounts with dedicated account numbers, helping you organize money for different uses like payroll, expenses, taxes, and emergencies. Furthermore, delegating financial tasks or sharing an account with someone is made simpler using sub-accounts – but bear in mind that the Account Owner remains accountable for any authorized transactions initiated or fees incurred by Additional Users.

Easy to manage

Blueline business checking provides a simple and efficient way to manage business finances online without incurring fees for opening an account and quickly processing transactions. Plus, excellent Trustpilot reviews make it an ideal solution for small businesses. Signing up takes about 60 seconds, but transactions may begin once reviewed by Bluevine’s company to verify legitimacy as an entity.

Bluevine app’s user-friendly design makes it straightforward for anyone to navigate, making depositing checks, transferring funds between accounts, viewing transaction histories, and adding credit cards easy. Plus, it provides real-time cash flow monitoring capabilities, which allow users to set budgets, manage expenses and separate different cash flows within their businesses.

Bluevine allows its users to open up to five subaccounts with dedicated account numbers – ideal for tracking expenses, paying vendors, or splitting payroll – at no cost. These subaccounts allow companies to scale without losing control over finances while keeping control over cash deposits or debit card withdrawals. However, subaccounts don’t let the promise of cash or the use of debit cards directly.

Bluevine does not provide 24-hour customer service, which may present problems for sure business owners. While they do have extended support hours from Monday through Friday (8 a.m. to 8 p.m.), this does not meet the needs of businesses that need around-the-clock assistance.

Easy to deposit cash

Bluevine Business Checking offers small businesses looking for an accessible, low-cost checking account a good option. With flexible repayment schedules, minimal fees, and free debit card usage – plus an impressive return on their money! However, Bluevine does have its drawbacks; the lack of physical branches could pose issues to some business owners, and high deposit fees through Green Dot may hinder growth.

Bluevine Online Banking Services are FDIC insured, giving you peace of mind knowing your money is safe. Furthermore, using their app – Bluevine -, you can manage all your finances from one central location. With tools such as mobile check depositing, recurring and one-time payments, and integrations with popular accounting software like FreshBooks and Wave, your financial life should never be more straightforward!

The application process can be completed online in minutes. Provide personal and business information, annual revenues, and necessary documentation. In addition, up to five subaccounts with their account numbers can be set up – these could be used for invoicing clients or paying vendors; each account could earn interest on up to $250k combined balances!

Bluevine stands out from other online business accounts by allowing users to deposit cash and checks and withdraw at over 90,000 fee-free ATM locations with no monthly maintenance fees or minimum balance requirements. Its Debit MasterCard allows purchases in stores, restaurants, and gas stations and transfers funds between your Bluevine account and other bank accounts.

Easy to deposit checks

Bluevine is an online business banking service offering free accounts with no minimum balance requirements and Mastercard debit cards to business owners, with zero monthly fees and an excellent customer satisfaction rating – making it an attractive option for small businesses. However, please be aware that Bluevine does not provide account opening bonuses nor allow subaccounts to have individual cards (only the primary account has access).

Bluevine business checking requires basic information from both you and your company and documents depending on its entity type. These may include your address, phone number, industry in which the business operates, and copy of EIN or SSN document(s). Furthermore, proof of your identity, such as a driver’s license or utility bill, may be requested upon opening an account with them.

Blueline Bank also offers business loans and credit cards designed specifically to help small-business owners expand their operations with no monthly fees attached. Interest may even accrue if specific requirements are met, as you can earn it! Furthermore, all these products are FDIC insured with the required multifactor authentication.

Bluevine business checking accounts are available to small-business owners in all 50 states through Coastal Community Bank, an FDIC-insured bank, and all funds deposited are protected to the legal maximum. Bluevine provides multiple features that simplify managing and tracking expenses: mobile payment tools and an FDIC-insured Business Debit Mastercard can be used worldwide; additionally, their app makes adding cash quickly by offering Reload @ the Register locations across Green Dot locations.

Easy to transfer money

Bluevine Business Checking Account is free to open, with a 2.0% annual percentage yield on balances up to $250,000. Unlike many brick-and-mortar banks, Bluevine doesn’t need to cover overhead expenses that other banks do, which enables it to offer higher interest rates with small business features such as free debit card usage, mobile app banking, and online banking access – along with security measures and features designed to save businesses both time and money.

The application process is straightforward and takes only minutes to complete, requiring just a few pieces of information about yourself and your company. Applicants must provide their employer ID number (EIN) or tax identification number, the name of their business entity, and several documents to the company for review and verification before receiving their welcome kit containing all of the essential documents for managing it effectively.

Bluevine Business Checking Account’s most advantageous feature is its extensive ATM network of over 90,000 fee-free locations nationwide for deposits or withdrawals of funds from other accounts. Furthermore, unlike some online business accounts, it provides unlimited transactions while enabling users to invoice directly within its platform – saving time and money!

Bluevine business checking account stands out with its many deposit options, which include accepting cash at Green Dot locations using Reload @ the Register, ACH transfers from external bank accounts, and checks deposited using these methods usually within 24 hours. Furthermore, its minimum balance requirement of only $500 makes this account perfect for startups starting their operations.