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.Made sure I knew about my account.
Hi Corey, Thank you for taking the time to leave us a 5-star review. We're happy to hear you had a great experience and that our team made sure you understood your account. Helping business owners feel informed and confident is always our goal. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
William called me and i couldn't pick up. I called him back and immediately picked up. He was great and he answered all of my questions. Would recommend.
Hi Anthony, Thank you for taking the time to leave us a 5-star review. We're so glad to hear William was able to connect with you, answer all of your questions, and provide the support you needed. We'll be sure to share your kind words with him. We truly appreciate your recommendation and thank you for choosing Bluevine! – The Bluevine Team
The Process was quick and smooth I highly give them a 5.0 💗
Hi Evelyn, Thank you for taking the time to leave us a 5-star review. We're so glad to hear your experience was quick and smooth. Making it easy for business owners to get started is exactly what we strive for, and we're grateful for your recommendation. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Hi Carl, Thank you for taking the time to leave us a 5-star review. We're thrilled to hear you had an excellent customer service experience. Providing helpful, responsive support is a top priority for our team, and we're grateful you took the time to share your feedback. Thank you for choosing Bluevine! – The Bluevine Team
Michael was very thorough and explaining all the programs within Bluevine and all its capabilities.
Hi Tiffany, Thank you for taking the time to leave us a 5-star review. We're delighted to hear Michael provided a thorough explanation of Bluevine's products and capabilities. We'll be sure to share your kind words with him—they'll mean a lot to our team. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Good experience
Hi Karamvir, Thank you for taking the time to leave us a 5-star review. We're glad to hear you had a good experience with Bluevine. Providing a simple and reliable banking experience for business owners is always our goal, and we appreciate you choosing us. Thank you again for your support! – The Bluevine Team
Bluevine has been great to us and Lauren has been fantastic and always answers our questions and gets us the answers we need her customer service is the best in buisiness. Highly recommend bluevine and Lauren as your representative.
Hi Christopher, Thank you for taking the time to leave us a 5-star review. We're thrilled to hear Bluevine has been a great partner for your business. It's especially rewarding to know Lauren has consistently been there to answer your questions and provide the level of service you deserve. We truly appreciate your recommendation and your kind words. We'll be sure to share your feedback with Lauren and the rest of our team. – The Bluevine Team
Great proactive customer service! Thanks!
Hi Lucas, 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 proactive customer service. Our team is committed to supporting business owners every step of the way, and it's wonderful to know that effort made a positive impression. We truly appreciate your kind words and your support. – The Bluevine Team
Hi Santosha, Thank you for taking the time to leave us a 5-star review. We're so glad to hear you found our team helpful and kind. Providing friendly, supportive service is always our goal, and we truly appreciate you sharing your experience. Thank you for choosing Bluevine! – The Bluevine Team
Told me exactly what to do to setup up my account properly
Hi, Thank you for taking the time to leave us a 5-star review. We're glad to hear our team provided clear guidance to help you get your account set up properly. Making the onboarding process simple and straightforward is important to us. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Bluevine works well for startup business's. They cover accounts up to $2.5M with insurance and have no monthly fees. They also have phone support which is a big plus. Great customer service staff.
Hi Ralph, Thank you for taking the time to leave us a 5-star review. We're delighted to hear Bluevine has been a good fit for your startup business and that you value features like our account protection, no monthly fees, and phone support. It's especially great to know our customer service team made a positive impression. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Didn't waste time on nonsense. Got right to the point and got things handled
Hi Justin, Thank you for taking the time to leave us a 5-star review. We're glad to hear you had a friendly, prompt experience and that our team got straight to the point while helping you get everything handled. Providing efficient and helpful service is always our goal. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Hi Luis, Thank you for taking the time to leave us a 5-star review. We're so glad to hear Anthony was great and provided helpful insights during your experience. 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 Robert, Thank you for taking the time to leave us a 5-star review. We're delighted to hear Ben provided you with great service. We'll be sure to share your kind words with him—they'll mean a lot to our team. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Michael was knowledgeable and helpful on the products and services available in Bluevine.
Hi Ryan, Thank you for taking the time to leave us a 5-star review. We're glad to hear Michael was knowledgeable and helpful in explaining the products and services Bluevine offers. 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 Anthony, Thank you for taking the time to leave us a 5-star review. We're glad to hear you found your experience informative. Providing clear, helpful guidance is important to us, and we're grateful for your feedback. Thank you for choosing Bluevine! – The Bluevine Team
Ben facilitated the entire Bluevine process in an informative, diligent and professional manner. Thank you!
Hi David, Thank you for taking the time to leave us a 5-star review. We're thrilled to hear Ben made the process informative, diligent, and professional from start to finish. We'll be sure to share your kind words with him—they'll mean a lot. We truly appreciate your feedback and thank you for choosing Bluevine! – The Bluevine Team
Hi Bria, Thank you for taking the time to leave us a 5-star review. We're glad to hear you had a positive experience with our customer service and that you felt your feedback was welcomed. Listening to our customers and continuously improving are important to us. We appreciate your support and thank you for choosing Bluevine! – The Bluevine Team
Stay away! Most of these reviews that are 5 stars seem fake. This app is ridiculous and should not exist. They essentially outsource everything they do so there's always a wait time. If you have fraud on your account, and I hope you don't, good luck getting responses back from these guys. And don't even try to deposit a check. You'll have better luck going to a check cashing place. Yeah you'll pay a few but you won't have to wait 7 plus days to get your money. I would definitely not recommend this app. Especially if you're a small business owner, you'll have better luck using PayPal this app should not exist.
Hi Ricky, Thank you for taking the time to share your feedback. We understand how frustrating it can be when you're dealing with fraud concerns, delayed responses, or longer-than-expected check deposit processing—especially when you're relying on your account to run your business. We'd like the opportunity to review your experience and better understand what happened. Please reach out to us through our secure support channels at https://www.bluevine.com/contact-us so our team can investigate your concerns and work toward a resolution. For your security, please don't share any account-specific information here. If we're able to address your concerns, we'd appreciate it if you'd consider updating your review to reflect your experience. – The Bluevine Team
Hi Kristi, Thank you for taking the time to leave us a 5-star review. We're delighted to hear you had such a positive experience and that our team was informative and helpful. Providing clear, knowledgeable support is something we strive for every day, and we're grateful you took the time to share your feedback. Thank you for choosing Bluevine! – The Bluevine Team
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