Bluevine

Bluevine (not Bluewine) is the US SMB checking + cash-flow brand. Mercury is prettier for start-ups. Relay is for multi-account ops.

Bluevine is a financial technology company. Eligible deposits sit at partner banks and may be FDIC insured through those banks. Invoice factoring is a separate credit product.

Bluevine lists Fintech with partner banks under FDIC (partners) in United States. On safeguarding we currently write: FDIC pass-through via Coastal Community Bank and partners — confirm current list. Holder / issuer line: Coastal Community Bank / program partners. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Free checking SKU; factoring and extras priced; FX US domestic first; ATM Debit ATM per network; interest APY on checking when eligible. This desk would open it for: US SMBs that want checking plus working-capital, and will read the partner-bank line.

What it does well: Checking + factoring in one brand; APY when live; Sub-accounts. What to watch: Not itself a bank; Factoring is credit, not a deposit; BaaS partner risk. Desk score 7.0 / 10 (safety 7.4, fees 8.2, features 7.8, app 8.0). Last verified 2026-08-01. Headquartered in Jersey City, United States; founded 2013. None of this is advice — it is a file so you can read the entity before the card colour.