activeFeaturedBusiness banking
- HQ
- San Francisco
- Fee
- Free core operations
Bluevine
US business checking and invoice factoring. Partner-bank, not a charter.
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7.0Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Bluevine is not a bank. Your money sits with Coastal Community Bank / program partners.
If it fails?
FDIC pass-through via Coastal Community Bank and partners — confirm current list
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Free checking SKU; factoring and extras priced
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.0
/10 · Solid
Bluevine (not Bluewine) is the US SMB checking + cash-flow brand. Mercury is prettier for start-ups. Relay is for multi-account ops.
What it is
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.
Best for: US SMBs that want checking plus working-capital, and will read the partner-bank line.
Last checked 2026-08-01. Not advice.
What it does well
- +Checking + factoring in one brand
- +APY when live
- +Sub-accounts
- +App is no longer a joke
What to watch
- −Not itself a bank
- −Factoring is credit, not a deposit
- −BaaS partner risk
- −Not for non-US entities
Who holds the money
The account
- Platforms
- Web · iOS · Android
- Account types
- Business checking
- Partner bank
- Coastal Community Bank
- Minimum balance
- $0
- Lowest monthly fee
- $0
- Who can open
- US businesses
- Availability
- United States
How money actually moves
- Who holds the cash
- Current account at a partner bank
- How money moves
- ACH / USD
- Built for
- Business
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Bluevine lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
FDIC pass-through via Coastal Community Bank and partners — confirm current list
Who holds the money: Coastal Community Bank / program partners
- FDIC (partners)Fintech with partner banks · United States
Fees
- Monthly
- Free checking SKU; factoring and extras priced
- FX markup
- US domestic first
- ATM
- Debit ATM per network
- Interest
- APY on checking when eligible
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Business checking
- Invoice factoring
- Sub-accounts
- Debit cards
- Integrations
Score
- Safety25%
- 7.4
- Fees20%
- 8.2
- Features15%
- 7.8
- App15%
- 8.0
- Global15%
- 3.2
- Support10%
- 6.8
Change log
Full logProduct
Checking + invoice financing still one login
Partner-bank deposits. Factoring is credit, not a current account.
Product
Checking + invoice financing still one login
Partner-bank deposits. Factoring is credit, not a current account.
Available in
Straight answers
FAQ
01Is Bluevine a bank?
No. Bluevine is filed as Fintech with partner banks. The money sits with Coastal Community Bank / program partners.
02What happens to money in Bluevine if it fails?
FDIC pass-through via Coastal Community Bank and partners — confirm current list
03What does Bluevine charge each month?
The monthly fee on this file is Free checking SKU; factoring and extras priced. Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
4.0 / 5 from 1 published review on NeoBankDB.
Dana C.
United States· 2026-08-27Verified userInvoice factoring plus checking in one login. Partner-bank line is in the footer — read it.
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