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.My experience with Bluevine has been very great. Laurent reached out to me and she was very helpful and she answered all the questions that I needed. I appreciate the time that she took to give me a call and be supportive and he’s trying to start my new business. Thank you.
Hi Yves, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that our team provided knowledgeable and helpful support. Delivering exceptional service is always our goal, and we're glad we could make your experience a positive one. We appreciate your support and thank you for choosing Bluevine. – The Bluevine Team
William was so helpful and patient. Thank you!
Hi Adria, Thank you for taking the time to leave us a 5-star review! We're thrilled to hear that William provided such helpful and patient support. We'll be sure to share your kind words with him—recognition like this means a great deal to our team. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Communication is great. Very respectful of time and answered all my questions.
Hi Maria, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that you appreciated our communication and that our team was respectful of your time while answering all of your questions. Providing responsive, thoughtful support is something we strive for every day. We truly appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Michael was knowledgeable and actionable, as he walked me through my new account online. Thank you!
Hi DG, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that Michael provided knowledgeable guidance and helped walk you through setting up your new account online. Making the onboarding process simple and easy to navigate is exactly the experience we strive to provide. We'll be sure to share your kind words with Michael. Thank you for choosing Bluevine—we truly appreciate your support! – The Bluevine Team
Very easy and smooth transition..from opening the account. to applying for a loan...from apply to acceptance to funding...thank you for the great experience..
Hi Behrouz, Thank you for taking the time to leave us a 5-star review! We're thrilled to hear that your experience was smooth from opening your account through the loan application, approval, and funding process. Providing a seamless experience at every step is exactly what we strive for. We truly appreciate your kind words and are grateful you chose Bluevine to support your business. Thank you for your trust! – The Bluevine Team
Great customer service. i appreciate the follow up calls to confirm the transaction was complete.
Hi Jennifer, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that you had a great customer service experience and that our follow-up calls helped provide peace of mind by confirming your transaction was complete. Providing proactive, reliable support is something we strive for, and we're glad it made a positive difference. Thank you for choosing Bluevine—we truly appreciate your support! – The Bluevine Team
Michael did a great job explaining all of the features available to me and telling me about the partnership program!
Hi Kathleen, Thank you for taking the time to leave us a 5-star review! We're thrilled to hear that Michael took the time to walk you through the features available with your account and introduce you to our partnership program. Helping our customers understand the tools and resources available to them is something we take great pride in. We'll be sure to share your kind words with Michael. Thank you for choosing Bluevine—we truly appreciate your support! – The Bluevine Team
William was informative, patience, and beyond polite.
Hi, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that William provided informative, patient, and courteous support. Delivering a helpful and welcoming experience is something we strive for every day, and we'll be sure to share your kind words with him. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Hi Brandon, Thank you for taking the time to leave us a 5-star review! We're thrilled to hear that William Moran provided such helpful support. We'll be sure to share your kind words with him—they'll mean a great deal to our team. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
I have never done business with this company, but they incessantly text message me with no name or anything. They just asked me how much I need or they can get the deal done by today and then just kind of not respond after I ask who this is but then they’ll respond a week later and say the same thing they did before and I’ve asked them to stop multiple times and I’ve gotten no respect because they continue to incessantly text message me. I intended to file a federal civil complaint against this company since they do not respect the laws of this country and the need to follow them when it comes to communication with people, especially when their number and name has been on the do not call registry for 15 years.
Hi Kortni, Thank you for taking the time to share your experience. We take reports of unwanted messages seriously and understand the frustration. The messages you received did not come from Bluevine. A third party is likely misusing a name similar to ours. We have confirmed that (1) those phone numbers are not those of Bluevine, (2) we do not offer loans in the amounts indicated in those messages, and (3) we do not send unsolicited text solicitations of this kind. We understand how concerning repeated unwanted messages can be, and we appreciate you bringing this to our attention. If this information helps clarify that Bluevine was not the source of these messages, we'd appreciate it if you would consider updating your review to reflect your experience. – The Bluevine Team
The young man who took care of my account was thorough, knowledgeable, and helpful!
Hi Arnold, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that our team provided thorough, knowledgeable, and helpful support while assisting with your account. Delivering that level of service is exactly what we strive for. We appreciate your kind words and thank you for choosing Bluevine! – The Bluevine Team
Appreciated the proactive follow up on our account creation from a friendly staff member! Very helpful and I felt confident moving forward, and the email follow up with resources was amazing!
Hi Dorothy, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that our proactive follow-up and onboarding support helped you feel confident as you got started with your account. It's wonderful to know that both the personal assistance and the follow-up resources were valuable to you. We truly appreciate your kind words and are grateful you chose Bluevine. We look forward to continuing to support your business as it grows! – The Bluevine Team
My experience with Bluevine has been great. Everything has been really straightforward user-friendly and just had my first customer experience. Lauren was super helpful and easy to talk to. Also let me know about extra features on my account that I can implement later for my business as it grows.
Hi Krysti, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that you've found Bluevine straightforward and user-friendly. It's also wonderful to know that Lauren provided helpful guidance and took the time to share features that can support your business as it grows. We'll be sure to pass along your kind words to Lauren. Thank you for choosing Bluevine—we're excited to be part of your business journey! – The Bluevine Team
Bluevine so far has been above my expectations! Michael Chung! He is very patient! Informative! Great Customer Service! Please if you haven’t already check out Bluevine for all your business needs! Better than any local bank and do more for your money!
Hi, Thank you for taking the time to leave us such a thoughtful 5-star review! We're thrilled to hear that Bluevine has exceeded your expectations and that Michael Chung provided the patient, informative, and outstanding customer service you deserve. We'll be sure to share your kind words with Michael. It's especially rewarding to know that you found value in our business banking experience and would recommend Bluevine to other business owners. Thank you for choosing Bluevine—we truly appreciate your trust and support! – The Bluevine Team
Needed to update my address. Ran into some issues doing so on my end. Called and spoke to a human because AI could not help with the matter. The representative clearly understood what my concerns were and help me update my address.
Hi B. Williams, Thank you for taking the time to leave us a 5-star review! We're glad our team was able to help you update your address and provide the support you needed. It's great to hear that your representative understood your concerns and made the process as smooth as possible. We appreciate your feedback and your support. Thank you for choosing Bluevine! – The Bluevine Team
My personal agent was extremely helpful in helping me onboard and understand the advantages that were available to me
Hi Jenny, Thank you for taking the time to leave us a 5-star review! We're delighted to hear that your onboarding experience was so positive and that your account representative helped you better understand the advantages and features available to you. Helping our customers feel confident from the very beginning is something we take great pride in. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Who in the world is writing these reviews??? Bluevine closed my account without prior communications to let me move funds. Email says will receive check within 4 days. I want my funds wired to me darn near 59k. You expect me to run a business on nothing??? And what customer service no one returns phone calls at all.
Hi Harry, Thank you for taking the time to share your feedback. We understand how stressful it can be to learn that your account has been closed, especially when you're concerned about accessing funds needed to run your business. We also recognize your frustration with the communication and support you received. As outlined in our User Agreement, Bluevine may review accounts and, in certain circumstances, restrict or close them as part of our efforts to protect customers and comply with applicable legal and regulatory requirements. When an account is closed, any remaining eligible funds are typically returned in accordance with the account closure process. We understand that this process can be disruptive, and we strive to communicate clearly throughout. We'd like the opportunity to review your experience and address your concerns. Please contact us through our secure support channels at https://www.bluevine.com/contact-us so our team can look into your case. For your privacy and security, we're unable to discuss account-specific details publicly. If we're able to resolve your concerns, we'd appreciate it if you'd consider updating your review to reflect your experience. – The Bluevine Team
This is an awesome banking experience. Check deposits go through really quickly, and if you have cash It's super easy to make a deposit at so many locations through the ATMs.
Hi, Thank you for taking the time to leave us a 5-star review. We're so happy to hear you're enjoying your Bluevine banking experience and that you've found check deposits to be quick and cash deposits convenient through our ATM network. Making it easy for business owners to access and manage their money is what we strive for every day, and we're grateful to be part of your business journey. Thank you for choosing Bluevine. – The Bluevine Team
Terrible. Someone is not doing their job. Sounds like they do not need perspective customers.
Hi BK, Thank you for taking the time to share your feedback. We're sorry to hear that your experience left you feeling this way. Providing timely, attentive service is important to us, and it's disappointing to hear we didn't meet your expectations. We'd appreciate the opportunity to better understand what happened and see if we can help. Please reach out to us through our secure support channels at https://www.bluevine.com/contact-us so our team can review your experience and assist you directly. If we're able to address your concerns, we'd be grateful if you'd consider updating your review to reflect your experience. – The Bluevine Team
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