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.
Written by the business, not verified by us.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.
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.Bluevine made the funding process simple, fast, and transparent from start to finish. The platform was easy to use, and communication was excellent throughout the entire process. A special thank you to Ben for his outstanding customer service. He was always responsive, professional, and willing to answer every question promptly. His support made the entire experience smooth and stress-free. Highly recommended!
So far, amazing!
I have been denied 3 times for on a debit card fraud case by the Bluevine team. When they finally provided information after the 2nd denial it turned out that fraud was committed using Apple Pay and the transactions were done 1.5 hours away from where I live. The transactions were performed around 10 pm and later. I provided my Google Takeout log as well as screen shot of my Timeline and Maps with time stamps, yet they denied my appeal also. They refused to provide a provisional credit while taking over 60 days to conduct the investigation. I have tried escalating the matter by contacting BV support and speaking to a supervisor. I am a new customer and not use to this type of service. I will have to file a complaint with the FDIC & CFPB.
Thank you for taking the time to share your experience. We understand how frustrating it can be to go through a dispute and appeals process, especially when you’ve provided additional information in support of your claim. We take concerns involving unauthorized transactions seriously. Because we’re unable to discuss the details of an account or dispute publicly, we encourage you to connect with our team securely at https://www.bluevine.com/contact-us so we can review your concerns and provide any available next steps. 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
Michael answered all of my questions and then some is really nice to have a local representative. Give me a call. I’m so glad to see Blue Vine growing as they are. Thank you very much.
Hi Mark, Thank you for taking the time to leave us a 5-star review. We're delighted to hear that Michael was able to answer all of your questions and provide the personalized support you were looking for. It's wonderful to know having a local representative made such a positive difference. We truly appreciate your kind words and your support as Bluevine continues to grow. Feedback like yours motivates us to keep delivering the best possible experience for our customers. Thank you again for choosing Bluevine. – The Bluevine Team
Enjoyed the brief call as I was busy but it was needed.
Customer service. Michael was kind and offered to help if needed.
It was easy to sign up. They approved me as a business. I got a personal banker immediately who called me right away. I'm excited about building my business with a bank I can trust.
Hi Jason, Thank you for taking the time to share your experience with us. We're thrilled to hear that opening your account was easy and that connecting with your dedicated banker right away helped you get off to a strong start. Building trusted relationships with business owners is at the heart of what we do, and we're excited to be part of your business journey. We appreciate your confidence in Bluevine and look forward to supporting your continued success. Thank you for choosing Bluevine. – The Bluevine Team
Benny Yan took his time explaining the loan with courtesy.
I love the Bluevine platform. Very user-friendly. They’re definitely trying to help my business expand.
Hi Antonio, Thank you for your 5-star review! We're thrilled to hear you had an A1 customer service experience. Delivering exceptional support is a top priority for us, and it's great to know our team made a positive impression. We appreciate you choosing Bluevine and look forward to continuing to support your business. – The Bluevine Team
I had an excellent experience with Bluevine. Michael was extremely professional, knowledgeable, and helpful throughout the entire process. He answered all of my questions clearly, responded promptly, and made everything smooth and stress-free. The level of customer service and professionalism was outstanding. I truly appreciate Michael's support and would confidently recommend Bluevine to other business owners looking for reliable banking services. Thank you for the excellent experience!
Hi Muhammad, Thank you for taking the time to share your experience and for your 5-star review! We're delighted to hear that Michael provided such knowledgeable, professional, and responsive support throughout the process. We'll be sure to share your kind words with him—they'll mean a great deal. It's wonderful to know we could make the experience smooth and stress-free, and we're especially grateful for your recommendation to other business owners. Thank you for choosing Bluevine and for trusting us to support your business. – The Bluevine Team
Great customer service. Nice attitude
Hi Edwin, Thank you for taking the time to leave us a 5-star review. We're thrilled to hear you had a great experience with our team and appreciated the friendly, helpful service you received. Providing excellent customer service is at the heart of what we do, and your feedback means a lot to us. Thank you for choosing Bluevine. – The Bluevine Team
Benny Y. was a good loan specialist who provided me with all options
Hi Vish, Thank you for taking the time to leave us a 4-star review. We're glad to hear Benny Y. provided helpful guidance and took the time to walk you through your available loan options. We'll be sure to share your kind words with Benny and the rest of our team. If there's anything we can do to make your experience even better, we'd love to hear from you. Please feel free to reach out to us through our Contact Us page: https://www.bluevine.com/contact-us/. If we're able to make your experience a 5-star one, we'd truly appreciate it if you'd consider updating your review. – The Bluevine Team
Setting up line of credit was simple and quick.
Hi Alisa, Thank you for taking the time to leave us a 5-star review. We're so glad to hear that setting up your Bluevine account and line of credit was simple, quick, and easy to manage. Making banking and financing straightforward for business owners is one of our top priorities, and it's great to know your experience reflected that. We truly appreciate your support and thank you for choosing Bluevine. – The Bluevine Team
I had a great experience working with Michael at Bluevine. He was professional, patient, and extremely helpful while assisting me with ordering checks and navigating the online portal. He took the time to explain everything clearly, answered all of my questions, and made the entire process simple and stress-free. I really appreciated his knowledge, excellent customer service, and willingness to go the extra mile to ensure everything was taken care of. Thank you, Michael, for the outstanding support!
Hi Robert, Thank you for taking the time to leave us a 5-star review. We're delighted to hear about your experience with Michael. It's wonderful to know his professionalism, patience, and expertise made ordering checks and navigating the online portal a smooth and stress-free process. Providing clear guidance and going the extra mile for our customers is what we strive for every day, and we'll be sure to share your kind words with Michael and the rest of our team. We truly appreciate your support and thank you for choosing Bluevine. – The Bluevine Team
This online banking is such a breath of fresh air! The app is easy to navigate and features essential services for your business needs!
Hi, Thank you for taking the time to leave us a 5-star review! We're so glad to hear that you're enjoying the ease of using our app and that it's helping support your business needs. Providing a simple, intuitive banking experience for business owners is exactly what we strive for. We truly appreciate your feedback and your trust in Bluevine. – The Bluevine Team
Bluevine has made business banking so much easier. The account setup was super fast (once a bank that rhymes with “base” took 1.5 hours IN PERSON. Obscene), the online platform is intuitive, and customer support has been responsive whenever I’ve had questions. Fees are transparent and the perks (like the high-yield checking) are a nice bonus for a small business. Highly recommend for anyone looking for a straightforward banking experience.
Hi E M, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that opening your account was quick and easy and that our online platform, responsive support team, and transparent fees have made managing your business banking simpler. It's especially rewarding to know you're enjoying features like our high-yield checking account and that you'd recommend Bluevine to other small business owners. Thank you for trusting us with your business banking—we appreciate your support. – The Bluevine Team
Hi Richard, Thank you for your 5-star review! We're thrilled to hear that Michael made such a positive impression. We'll be sure to share your kind words with him—recognition like this means a lot to our team. We appreciate your support and thank you for choosing Bluevine. – The Bluevine Team
East of account set up, use and experience. Bluevine is easy to use and set up invoices, payment links and create a new business. I am able to create invoice each month and do an ACH transfer to my partner in a seamless fashion.
Hi Craig, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that getting started with Bluevine was easy and that our invoicing, payment links, and ACH transfer features are helping you manage your business more efficiently. It's great to know our tools are supporting your day-to-day operations, and we appreciate you choosing Bluevine to help power your business. Thank you for your support! – The Bluevine Team
Hi Ronald, Thank you for your 5-star review! We're so glad to hear you had a great experience with our service. Providing reliable support and a seamless banking experience for our customers is what we strive for every day. We appreciate your support and thank you for choosing Bluevine. – The Bluevine Team
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