Dana Kramer my dedicated on-boarding account rep. He is genuinely helpful and ensures that any questions get answered and provides meaningful tips. He is a real person and not AI which I value more th... See more
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Review summary
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I love me some Bluevine! This fintech bank is the best for all of your business needs. It's the new way of banking without all of the restrictions of a traditional bank; such as low daily limits a... See more
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Michael Chung, was most helpful in setting up my account. He took the time with no pressure to show the benefits of being with BLUEVINE and all the features.... Offered very valuable account se... See more
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The representative i spoke with was professional, personable, & patient. She made what I needed easy and I appreciate that. I called 1.5 months ago for the same thing and it wasn't handled well and... See more
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Company details
About Bluevine
Written by the company
Bluevine is the largest small business banking platform in the U.S.,* built to serve as the financial operating system for startups and small businesses. Founded in 2013, Bluevine helps companies manage their money through a single online account—allowing them to earn more, save more, borrow, and pay bills without ever stepping into a branch.
What does Bluevine offer?
Bluevine brings together the core tools small businesses need to manage their money. Do it all from one platform:
- Earn high-yield APY on business checking**
- Organize funds and separate expenses with sub-accounts
- Manage accounts payable and send domestic or international payments with built-in bill pay tools
- Accept and manage sales effortlessly with invoicing and payments, Tap to Pay, and more
- Issue up to 50 business debit cards for your main account and sub-accounts
- Access working capital through business loans and lines of credit***
How is Bluevine different from traditional banks?
Unlike traditional banks, Bluevine operates fully online and is built specifically for small businesses. Banking, payments, and credit tools are accessible through one dashboard, helping business owners save time and manage cash flow more efficiently.
Who is Bluevine for?
Bluevine is designed for small businesses, startups, and entrepreneurs looking for a modern alternative to traditional business banks—especially those who value easy online setup, flexibility, and integrated financial tools. Customers can learn more on our FAQ page.
Is Bluevine trusted?
- 900,000+ customers served since 2013*
- $16B+ in loans delivered to help businesses grow
- $1.8B+ in managed customer deposits
Bluevine is backed by leading private and institutional investors, including Lightspeed Venture Partners, Menlo Ventures, 83North, Citi Ventures, ION Crossover Partners, SVB Capital, Nationwide Insurance, and M12 (Microsoft’s venture arm).
To learn more about Bluevine’s business checking, loans, and payment tools, visit bluevine.com.
Bluevine is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC. The Bluevine Line of Credit is issued by Celtic Bank. Other commercial credit products are offered by a variety of Bluevine’s third-party partners.
*As compared to publicly available data on the number of lifetime customer accounts held by other U.S. banking platforms dedicated to small businesses that offer both checking and lending services, as of January 2026. Customer and lending statistics include Paycheck Protection Program.
**Premier and Plus plan customers automatically earn annual percentage yield (“APY”) on their available balances. Standard plan customers will earn interest on their available balances if they meet an eligibility requirement as detailed in the Terms of Interest Accrual incorporated into the Bluevine Business Checking Account Agreement.
***Applications are subject to credit approval. Rates, credit lines, and terms may vary based on your creditworthiness and are subject to change. Additional fees apply.
****Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. $3,000,000 in FDIC insurance is offered by multiplying the standard $250,000 FDIC coverage across multiple banks. For complete details, please visit bluevine.com/business-checking/fdic-protection.
All your business banking in one place
Written by the company
- Simplify your business banking
- Get paid, manage cash flow, send payments, and access working capital all from one easy-to-use platform, so you don’t need to juggle multiple tools.
- Make the most of your money
- Earn higher APY on business checking, plus pay no monthly fee for our Standard plan.**
- Bank with confidence
- Get up to $3 million in FDIC insurance, custom spend limits and alerts, and a suite of fraud controls to help keep your money safe.****
Contact info
30 Montgomery Street, 07302, Jersey City, United States
- (888) 216-9619
- support@bluevine.com
- bluevine.com
Largest SMB banking platform in the US*
4.7
Excellent
11K reviews
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I open my account online
I open my account online, easy process, it's a friendly bank, I sent my invoices with payment links through the bank integration with stripe, but stripe requires you to have a full web page for your business so I had to run to got my page for be able to use the invoice system.
They didn't have integration with Zelle what is a shame.
It's easy to use, they have the tap and go receiving payments using the app (what I love)
Customer service only need them once and they call me, because I didn't set something in my account and they offer my the option, so nice.
My debit card ask me if I want to use as debit or credit card, what is interesting too
16 April 2026
Reply from Bluevine
Hi Jessica,
Thank you for taking the time to share such detailed feedback—we’re glad to hear opening your account was an easy process and that you’re enjoying features like tap-to-pay and sending invoices through Stripe. It’s also great to know our team was able to proactively reach out and assist when needed.
We appreciate you calling out areas where we can improve as well, including your experience with Stripe requirements and the lack of Zelle integration. Feedback like this is valuable as we continue to evaluate ways to enhance our platform and expand capabilities for our customers.
If you ever have questions or need help getting the most out of your account, our team is here for you: https://www.bluevine.com/contact-us
If we’re able to further improve your experience, we’d appreciate it if you’d consider updating your review.
– The Bluevine Team
Reply from Bluevine
Hi Shirron,
Thank you for the 5-star review. We’re glad to hear you had a great experience with our customer service and that our team was able to assist you promptly.
Providing timely, reliable support is a top priority for us, and it’s great to know that came through in your experience. If you ever need anything in the future, don’t hesitate to reach out: https://www.bluevine.com/contact-us
– The Bluevine Team
DO NOT USE
DO NOT USE
DO NOT USE
DO NOT USE
this is the worst bank I’ve ever had and it’s not even close. It takes 7 days for a deposit to clear, then when it does they lock your card & bank after ever transaction. Your debt card has a $500 max daily limit, the customer serve does NOTHING & will lie to your face
This bank has cost me hours in hours of sitting in the phone with them fixes issues that shouldn’t have been issues to begin with. Please don’t use this bank
17 April 2026
Unprompted review
Reply from Bluevine
Hi Ray,
Thank you for sharing your experience—we can see how frustrating it must be to deal with long deposit clearing times, repeated card restrictions, and difficulty getting the support you need. That’s not the experience we aim to provide.
Some of the situations you described, like transaction monitoring or temporary card restrictions, can happen as part of security measures designed to protect your account. That said, we understand how disruptive this can feel—especially if it’s happening frequently or without clear communication.
We’d really like to take a closer look at what’s been happening with your account and help get things resolved. Please reach out to us through our secure support channel here: https://www.bluevine.com/contact-us
so our team can review your situation directly and provide next steps.
If we’re able to address these issues for you, we’d appreciate it if you’d consider updating your review to reflect your experience.
– The Bluevine Team
There’s always room for improvement.
14 April 2026
Reply from Bluevine
Hi Shayla,
Thank you for your review. We appreciate your perspective—there’s always room for improvement, and feedback like yours helps us continue to refine the experience we provide.
If there’s anything specific you’d like to see improved or if you need support, we’d be glad to hear from you: https://www.bluevine.com/contact-us
If we’re able to enhance your experience, we’d appreciate it if you’d consider updating your review.
– The Bluevine Team
Reply from Bluevine
Hi Kimmy,
Thank you for taking the time to share your experience. We’re glad to hear the approval process was fast—that’s exactly what we aim for.
If you ever need anything along the way, our team is here to support you: https://www.bluevine.com/contact-us
We appreciate you choosing Bluevine and taking the time to leave a review.
– The Bluevine Team
Very great to work with looking for…
Very great to work with looking for answers for me immediately and very polite
16 April 2026
Reply from Bluevine
Hi Brad,
Thank you for sharing your experience with us. We’re glad to hear our team was able to provide quick answers and support you in a polite and responsive way—that’s exactly the level of service we strive for.
If you ever need anything in the future, don’t hesitate to reach out to us here: https://www.bluevine.com/contact-us
We appreciate you choosing Bluevine and taking the time to leave a review.
– The Bluevine Team
The representative was very polite
16 April 2026
Reply from Bluevine
Hi Doris,
Thank you for taking the time to share your feedback. We’re glad to hear that your experience with our representative was a positive one—providing polite and professional support is something we take seriously.
If you ever need assistance in the future, feel free to reach out to us here: https://www.bluevine.com/contact-us
We appreciate you choosing Bluevine and sharing your experience.
– The Bluevine Team
Reply from Bluevine
Hi Justin,
Thank you for taking the time to share your experience. We’re glad to hear that our representative was easy to talk to and came across as genuine—providing approachable and authentic support is something we truly value.
If you ever need assistance in the future, feel free to reach out to us here: https://www.bluevine.com/contact-us
We appreciate you choosing Bluevine and sharing your feedback.
– The Bluevine Team
Reply from Bluevine
Hi Kevin,
Thank you for taking the time to share your feedback. We’re glad to hear you found our team attentive and accommodating to your needs—providing thoughtful and responsive support is something we work hard to deliver.
If you ever need assistance in the future, please don’t hesitate to reach out here: https://www.bluevine.com/contact-us
We appreciate you choosing Bluevine and sharing your experience.
– The Bluevine Team
Absolutely loved that a representative…
Absolutely loved that a representative called me! He answered questioned I didn't even know I had. Top notch so far and I just opened the account.
16 April 2026
Reply from Bluevine
Hi Cari,
Thank you for taking the time to share your experience. We’re glad to hear that our representative reached out and was able to answer even the questions you hadn’t thought of yet—that kind of proactive support is exactly what we aim to provide.
It’s great to hear you’re off to a strong start with your new account. If you need anything as you continue getting set up, our team is here to help: https://www.bluevine.com/contact-us
We appreciate you choosing Bluevine and sharing your feedback.
– The Bluevine Team
Reply from Bluevine
Hi Vincent,
Thank you for taking the time to leave a review. We’re glad to hear your experience has been efficient and productive—that’s exactly what we aim to deliver.
If you ever need support along the way, feel free to reach out to us here: https://www.bluevine.com/contact-us
We appreciate you choosing Bluevine and sharing your feedback.
– The Bluevine Team
Reply from Bluevine
Hi Mike,
Thank you for taking the time to share your feedback. We’re glad to hear you had a great experience with our service and received a fast response—providing timely and helpful support is something we prioritize.
If you ever need assistance in the future, feel free to reach out to us here: https://www.bluevine.com/contact-us
We appreciate you choosing Bluevine and sharing your experience.
– The Bluevine Team
User friendly and free
16 April 2026
Reply from Bluevine
Hi Christina,
Thank you for taking the time to share your feedback. We’re glad to hear you’re finding the platform user-friendly and accessible—that’s exactly what we aim to deliver for business owners.
If you ever need support or have questions, our team is here to help: https://www.bluevine.com/contact-us
We appreciate you choosing Bluevine and sharing your experience.
– The Bluevine Team
Reply from Bluevine
Hi Jose,
Thank you for taking the time to share your feedback. We’re glad to hear that your experience with your business account has been a positive one.
If there’s ever anything you need or any way we can further support your business, our team is here to help—feel free to reach out through our contact page: https://www.bluevine.com/contact-us
.
We appreciate you choosing Bluevine.
– The Bluevine Team
Bluevine checking inc be aware
I responded to the email as requested, Bluevine but I still have not received meaningful assistance or a clear resolution. I continue to get the same generic responses without any specific update on when my returned funds will be posted. They are not helping or making a real effort to resolve the issue. Based on my experience, I would strongly caution others before doing business with Bluevine until this is properly addressed. BE AWARE THEY HIDE BEHIND BEING A FINTECH BANK SO THEY CANT HELP YOU IF YOU HAVE ANY PROBLEMS WITH YOUR MONEY. ITS NOT SAFE FOR GENERAL BUSINESS OPERATIONS.
15 April 2026
Unprompted review
Reply from Bluevine
Hi Christian,
Thank you for following up and sharing your concerns. We understand how frustrating it is to be waiting on returned funds without a clear timeline, especially when you feel like you’re not getting the level of support you need.
We’ve sent updates to you via email regarding your case, including details about the dispute and review process for returned funds. These situations can require coordination and verification steps, which can impact timing—but you should still receive clear communication along the way.
We’d like to make sure you have the most up-to-date information and that your case is moving forward as expected. Please reply directly to the most recent email from our team or reach out through our secure support channel here: https://www.bluevine.com/contact-us
so we can continue assisting you and provide any additional clarity.
If we’re able to resolve this for you, we’d appreciate it if you’d consider updating your review to reflect your experience.
– The Bluevine Team
Reply from Bluevine
Hi Andria,
Thank you for taking the time to leave a 5-star review. We’re glad to hear your experience has been excellent.
If there’s ever anything we can do to support you and your business, feel free to reach out to our team here: https://www.bluevine.com/contact-us
.
We appreciate you choosing Bluevine.
– The Bluevine Team
The Agent (Shauna T.) was very helpful…
The Agent (Shauna T.) was very helpful and guided me through the process and explained the funding options they had for my business.
Thanks again!
15 April 2026
Reply from Bluevine
Hi Christian,
Thank you for taking the time to share your experience. We’re glad to hear that Shauna was able to guide you through the process and clearly explain your funding options—support like that is exactly what we aim to provide.
If you ever have additional questions or need further assistance as you move forward, our team is always here to help: https://www.bluevine.com/contact-us
.
We appreciate your feedback and your trust in Bluevine.
– The Bluevine Team
Non compliance
Bluevine, I'm a PA business owner. Does Bluevine policy explicitly override PA Banking Code 7 P.S. § 603 regarding the capacity of minor business owners? My Case #101315851 seems to indicate so, and I'd love a public clarification for the small business community.The detail you are missing is that you are denying a valid, registered Pennsylvania LLC that carries a $2,000,000 commercial liability policy. Under PA Banking Code 7 P.S. § 603, I have full legal capacity to manage this entity’s accounts 'as though I were an adult.' >
By using a hard-block age filter, you are refusing service to a fully-insured, member-managed firm with a professional Operating Agreement and a verified EIN. I am looking for a banking partner that understands state law and recognizes the legitimacy of young founders who have already been vetted by major insurance carriers. If Bluevine cannot handle manual compliance for legal entities under 7 P.S. § 603, then your 'small business' focus is clearly limited.
13 April 2026
Unprompted review
Reply from Bluevine
Hi Mason,
Thank you for sharing your experience and perspective. We understand how frustrating this situation must be, especially given the effort you’ve put into establishing and insuring your business.
Bluevine's account eligibility requirements are designed to support our compliance obligations and are applied consistently to all applicants. We understand this outcome is disappointing, and we wish you the best in finding a banking solution that fits your needs.
– The Bluevine Team
It was very simple and fast to complete
15 April 2026
Unprompted review
Reply from Bluevine
Hi Beatrice,
Thank you for taking the time to share your experience. We’re glad to hear that the process felt simple and fast—that’s exactly what we aim to deliver for our customers.
If you ever need anything or have questions as you continue using Bluevine, our team is here to help: https://www.bluevine.com/contact-us
.
We appreciate you choosing Bluevine.
– The Bluevine Team
Michael is awesome
Michael is awesome! He is a great communicator, kind, and seems to be smiling on the other side of the phone. He made my onboarding experience smooth and educational. I appreciate having him as my introductory support!
14 April 2026
Reply from Bluevine
Hi Nastasia,
Thank you for taking the time to share your experience. We’re glad to hear that Michael made such a strong impression and helped make your onboarding process smooth and informative. Providing clear, supportive guidance is something we strive for, and it’s great to know that came through.
If you have any questions as you continue getting set up, our team is always here to help: https://www.bluevine.com/contact-us
.
We appreciate you choosing Bluevine.
– The Bluevine Team
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