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 depositsBluevine 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.
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Is Bluevine legit?
Bluevine (bluevine.com) has a 4.6 out of 5 rating on OK.one, based on 205 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 91% rating it 4 stars or higher; The business has replied to 71% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-12.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently mention that the account setup process is exceptionally fast and simple, while the online platform and mobile application are highly intuitive to navigate for daily business needs. Consumers also deeply appreciate the exceptionally supportive staff, noting that representatives provide thorough guidance, helpful resources, and proactive assistance throughout the entire banking journey.
Conversely, a small portion of people felt frustrated when encountering unexpected payment limitations, transaction difficulties, or missing features. Some reviewers were not happy with sudden account suspensions, cash deposit fees, and declined purchases that severely hindered their daily business operations.
Auto-generated from all reviews of this business. For reference only.
First off, you cannot unsubscribe from marketing emails that you did not subscribe to. When you email them and tell them you do not want lines of credit or other marketing materials, they then apply for a line of credit for you. You tell them the unsubscribe button and preferences buttons on emails do not work, they do not care. Instead like I said, they do the exact opposite and fraudulantly apply for a loan on your behalf and run your credit (it was frozen so they couldn't). I will now be taking my business elsewhere!!!!!!!
P
PaulUnited States · 1 review · Experienced 2026-08-11 ·
★★★★★
We were very excited about our new…
We were very excited about our new business and used reviews to select Bluevine as our banking partner. We successfully signed up and began the process of funding our account, then we got a form email telling us our account was closed. When we finally were able to speak with a person, they quoted, verification issues, and due to security reasons, could not tell us what they could not verify. No email asking questions, no phone call to verify anything. They just closed the account. Online chat support would not answer questions or the live agent. They should have never approved the account if there was an issue. Look elsewhere if you are new business, they like most banks, don't care.
William Moran provided exceptional customer service. He was professional, patient, knowledgeable, and genuinely interested in helping me find the best solutions for my business (getting paid faster). He took the time to answer my questions and made the entire conversation easy and comfortable. I truly appreciate his time and willingness to help. Excellent experience with Bluevine!
Amazing boarding call with Client rep Dana Kramer-Good
Reply from Bluevine2026-08-10
Hi Patrick,
Thank you for the 5-star review. We’re glad to hear Dana made your onboarding experience such a positive one. We’ll be sure to share your kind feedback with her.
We appreciate you choosing Bluevine.
– The Bluevine Team
After having a bad experience opening our first business account with another bank, we closed it and went with Bluevine. I received a phone call today from William Moran from Bluevine asking if I had the time so he could walk me through a setup option on our account and took the time to do so and asked if I had any other questions, after this phone call I realized that we definitely made a good choice and would highly recommend Bluevine.
William was friendly and courteous. He offered to assist me over the phone with transferring my current bank to blue vine. He gave me some good suggestions and followed through with what he said he would do which was send me instructions via email. I know I’m in good hands. Thank you William!!
Your always putting a hold on my deposits. Even when its a cashiers check.. Not good business. Always riding my money. Looking to move my accounts soon.
Leaving after 2 years. Here's why.
For a bank that serves startups, it's abysmal at tech, and doesn't offer standard protection/service that more established banks offer. Here's a horror story for you. My cofounder was using our debit card, accidentally entered the wrong zip code. They CLOSED our debit card, which was linked to essential business services, without a single text message or in app alert. In fact, the only way I learned this was when I got alerts from services with payment declined.
There's no way to see this in the mobile app (they're bad at tech). It was only after digging on the desktop app that we discovered this (bad at design).
This being an urgent matter - we're a software company - I called hoping to get this resolved quickly. After 3min navigating automated voice tree, I reached an AI agent, which was great, but it had to route me to a human to resolve this.
Here's where bad got worse. They put me on hold (standard), but the wait time escalated from 2 min to 4min to 6min (wrong direction), and every 30s it would ask if I want to continue on web chat. I said no each time. Even after saying no - clearly - on 2 separate calls, it hung up on me, and then, get this, texted me a link. But not to a chat. Oh no, they texted me a login link to my bank account. A login link! (They're bad at tech).
So no link to chat, and I figure the link is somewhere on the site. Wrong again! Because, see, there is no way to chat online with Bluevine. In fact, there's no email to use, either, even under their "Contact Us" section. Seems like their design/product team, if they have one, set up a painted door test and decided web customer support wasn't needed.
So I called a fourth time - I've now been trying for nearly 45min to talk to a human, in the middle of the day. This time, when is spoke with the AI agent, I threatened Bluevine with loss of my business and a negative online review unless I could talk to a human immediately. And, wouldn't you know, I was promptly connected with a very nice overseas support person. They did their best to help, but alas the best they could do was send a new card in 7-10 days. No rush on this.
I'm sorry, but if you have a business you care about, you owe it to yourself to bank with a company that takes customer support and fraud technology seriously. Bluevine's tech is a decade behind, and the lack of clear access points for customer service goes beyond ineptitude to frank deception.
Anubahv Sen did a great job he worked attentively to resolve my issues with my account and saw it through to resolution.
Reply from Bluevine2026-08-06
Hi Sarah,
Thank you for taking the time to leave us a 5-star review. We're so glad to hear that Anubhav Sen provided attentive support and stayed with your case through to its resolution. Delivering responsive, thorough service is something we strive for, and it's wonderful to know Anubhav made a positive impact on your experience.
We truly appreciate your feedback and your trust in Bluevine. Thank you for choosing us.
– The Bluevine Team
